Can I retire at age 52 with 686,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $686,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$56,649$56,145$55,652$55,172$54,703$53,664
2 years$28,044$27,522$27,016$26,525$26,049$25,007
3 years$18,510$17,986$17,481$16,995$16,526$15,513
4 years$13,744$13,222$12,722$12,244$11,787$10,810
5 years$10,886$10,366$9,873$9,404$8,960$8,023
6 years$8,980$8,464$7,978$7,521$7,090$6,193
7 years$7,620$7,108$6,630$6,183$5,766$4,909
8 years$6,600$6,093$5,623$5,187$4,783$3,967
9 years$5,807$5,305$4,843$4,418$4,028$3,252
10 years$5,174$4,676$4,222$3,808$3,432$2,695
11 years$4,655$4,163$3,717$3,315$2,952$2,253
12 years$4,224$3,737$3,299$2,907$2,558$1,897
13 years$3,859$3,377$2,947$2,567$2,231$1,605
14 years$3,546$3,069$2,648$2,278$1,955$1,365
15 years$3,276$2,804$2,391$2,032$1,722$1,165
16 years$3,039$2,573$2,168$1,819$1,522$998
17 years$2,831$2,369$1,973$1,635$1,349$857
18 years$2,646$2,189$1,801$1,473$1,200$738
19 years$2,480$2,029$1,648$1,331$1,069$636
20 years$2,331$1,885$1,513$1,206$955$549
21 years$2,197$1,756$1,392$1,094$855$475
22 years$2,075$1,639$1,283$995$766$411
23 years$1,964$1,533$1,184$906$688$357
24 years$1,862$1,437$1,095$826$618$309
25 years$1,769$1,348$1,014$755$556$269
26 years$1,682$1,267$941$690$501$233
27 years$1,603$1,192$874$632$452$203
28 years$1,529$1,124$812$579$408$176
29 years$1,460$1,060$756$531$368$153
30 years$1,396$1,001$704$487$333$134
31 years$1,337$946$656$447$301$116
32 years$1,281$895$612$411$272$101
33 years$1,229$848$572$378$246$88
34 years$1,179$804$534$348$223$77
35 years$1,133$762$499$320$202$67
36 years$1,090$724$467$295$183$58
37 years$1,048$687$437$272$166$51
38 years$1,010$653$409$250$150$44
39 years$973$621$384$231$136$39
40 years$938$591$360$213$124$34
41 years$905$562$337$196$112$29
42 years$873$536$316$181$102$26
43 years$844$510$297$167$92$22
44 years$815$486$279$155$84$20
45 years$788$464$262$143$76$17
46 years$762$443$246$132$69$15
47 years$737$422$231$122$63$13
48 years$714$403$217$113$57$11
49 years$691$385$204$104$52$10
50 years$670$368$192$96$47$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $686,000, adding $2,613 every year, while hoping to spend $32,863 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 65/16/19 Blend
51$686,000$686,000$686,000$686,000
52$758,667$722,309$711,676$804,197
53$801,085$722,736$700,551$835,500
54$846,729$722,083$687,953$865,700
55$895,892$720,262$673,795$897,921
56$948,897$717,179$657,992$932,362
57$1,006,100$712,737$640,451$969,244
58$1,067,891$706,830$621,075$1,008,809
59$1,134,699$699,347$599,763$1,051,326
60$1,206,994$690,171$576,411$1,097,093
61$1,285,295$679,177$550,908$1,146,437
62$1,370,171$666,232$523,140$1,199,721
63$1,462,248$651,197$492,985$1,257,349
64$1,562,215$633,924$460,318$1,319,762
65$1,670,830$614,255$425,007$1,387,453
66$1,788,925$592,024$386,915$1,460,962
67$1,917,418$567,055$345,899$1,540,889
68$2,057,316$539,163$301,809$1,627,896
69$2,209,731$508,150$254,487$1,722,714
70$2,375,882$473,808$203,772$1,826,151
71$2,557,115$435,918$149,491$1,939,100
72$2,754,909$394,246$91,467$2,062,547
73$2,970,892$348,546$29,513$2,197,580
74$3,206,857$298,559$0$2,345,401
75$3,464,779$244,011$0$2,514,761
76$3,746,829$184,610$0$2,706,571
77$4,055,400$120,051$0$2,916,505
78$4,393,128$50,010$0$3,146,394
79$4,762,912$0$0$3,398,260
80$5,167,946$0$0$3,678,882
81$5,611,750$0$0$3,996,057
82$6,098,197$0$0$4,343,754
83$6,631,554$0$0$4,725,030
84$7,216,521$0$0$5,143,249
85$7,858,274$0$0$5,602,120
86$8,562,514$0$0$6,105,724
87$9,335,522$0$0$6,658,559
88$10,184,214$0$0$7,265,581
89$11,116,212$0$0$7,932,246
90$12,139,910$0$0$8,664,566
91$13,264,555$0$0$9,469,165
92$14,500,335$0$0$10,353,339
93$15,858,472$0$0$11,325,125
94$17,351,331$0$0$12,393,380
95$18,992,534$0$0$13,567,859
96$20,797,087$0$0$14,859,311
97$22,781,525$0$0$16,279,578
98$24,964,064$0$0$17,841,708
99$27,364,776$0$0$19,560,076
100$30,005,773$0$0$21,450,520