Can I retire at age 52 with 691,000?

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 $691,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$57,062$56,554$56,058$55,574$55,101$54,869
2 years$28,249$27,722$27,213$26,718$26,239$26,004
3 years$18,645$18,117$17,608$17,119$16,647$16,418
4 years$13,845$13,318$12,814$12,333$11,873$11,650
5 years$10,965$10,441$9,944$9,473$9,025$8,810
6 years$9,046$8,526$8,037$7,576$7,142$6,934
7 years$7,676$7,160$6,678$6,228$5,808$5,608
8 years$6,648$6,138$5,664$5,225$4,818$4,627
9 years$5,850$5,344$4,878$4,450$4,058$3,874
10 years$5,211$4,710$4,253$3,836$3,457$3,281
11 years$4,689$4,193$3,744$3,339$2,973$2,805
12 years$4,255$3,764$3,323$2,928$2,577$2,416
13 years$3,887$3,401$2,969$2,585$2,247$2,093
14 years$3,572$3,092$2,668$2,295$1,970$1,823
15 years$3,300$2,824$2,408$2,047$1,734$1,595
16 years$3,061$2,591$2,184$1,833$1,533$1,400
17 years$2,851$2,386$1,987$1,647$1,359$1,233
18 years$2,665$2,205$1,814$1,484$1,208$1,089
19 years$2,498$2,044$1,660$1,341$1,077$964
20 years$2,348$1,899$1,524$1,214$962$855
21 years$2,213$1,769$1,402$1,102$861$759
22 years$2,090$1,651$1,292$1,002$772$676
23 years$1,978$1,544$1,193$913$693$602
24 years$1,876$1,447$1,103$832$623$537
25 years$1,782$1,358$1,022$760$560$480
26 years$1,695$1,276$948$695$505$429
27 years$1,614$1,201$880$636$455$383
28 years$1,540$1,132$818$583$411$343
29 years$1,471$1,068$761$535$371$308
30 years$1,407$1,008$709$491$335$276
31 years$1,346$953$661$451$303$247
32 years$1,290$902$617$414$274$222
33 years$1,237$854$576$381$248$199
34 years$1,188$810$538$350$224$179
35 years$1,141$768$503$323$203$161
36 years$1,097$729$471$297$184$144
37 years$1,056$692$440$274$167$130
38 years$1,017$658$412$252$151$117
39 years$980$626$386$233$137$105
40 years$945$595$362$215$124$94
41 years$911$567$340$198$113$85
42 years$880$540$319$183$102$76
43 years$850$514$299$169$93$69
44 years$821$490$281$156$84$62
45 years$794$467$264$144$77$56
46 years$768$446$247$133$70$50
47 years$743$425$233$123$63$45
48 years$719$406$218$113$57$41
49 years$696$388$205$105$52$37
50 years$675$370$193$97$47$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $691,000, adding $4,472 every year, while hoping to spend $57,579 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: 43/34/23 Blend
51$691,000$691,000$691,000$691,000
52$766,095$729,472$718,761$793,734
53$782,973$703,952$681,576$788,285
54$799,643$675,253$641,216$776,486
55$816,022$643,156$597,512$762,547
56$832,019$607,433$550,292$746,302
57$847,530$567,842$499,371$727,572
58$862,438$524,127$444,560$706,165
59$876,613$476,015$385,659$681,875
60$889,910$423,222$322,461$654,483
61$902,165$365,444$254,748$623,751
62$913,197$302,362$182,293$589,425
63$922,803$233,638$104,860$551,234
64$930,757$158,914$22,201$508,883
65$936,808$77,815$0$462,059
66$940,677$0$0$426,623
67$942,052$0$0$396,642
68$940,588$0$0$394,381
69$935,902$0$0$390,543
70$927,568$0$0$384,926
71$915,115$0$0$377,305
72$898,019$0$0$367,429
73$875,700$0$0$355,023
74$847,517$0$0$339,780
75$812,757$0$0$321,361
76$770,634$0$0$299,392
77$720,276$0$0$273,457
78$660,719$0$0$243,098
79$590,897$0$0$207,808
80$509,630$0$0$167,025
81$415,617$0$0$120,130
82$307,415$0$0$66,438
83$183,432$0$0$5,191
84$41,911$0$0$0
85$0$0$0$0
86$0$0$0$0
87$0$0$0$0
88$0$0$0$0
89$0$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0