Can I retire at age 52 with 692,000?

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 $692,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$57,145$56,636$56,139$55,654$55,181$53,586
2 years$28,289$27,763$27,252$26,757$26,277$24,683
3 years$18,672$18,143$17,634$17,143$16,671$15,128
4 years$13,865$13,337$12,833$12,351$11,890$10,409
5 years$10,981$10,456$9,959$9,487$9,039$7,624
6 years$9,059$8,539$8,048$7,587$7,152$5,806
7 years$7,687$7,171$6,688$6,237$5,816$4,538
8 years$6,658$6,147$5,672$5,232$4,825$3,614
9 years$5,858$5,352$4,885$4,457$4,064$2,918
10 years$5,219$4,717$4,259$3,842$3,462$2,381
11 years$4,696$4,199$3,750$3,344$2,978$1,959
12 years$4,261$3,769$3,328$2,933$2,580$1,622
13 years$3,893$3,406$2,973$2,589$2,250$1,351
14 years$3,577$3,096$2,671$2,298$1,973$1,129
15 years$3,304$2,828$2,412$2,050$1,737$947
16 years$3,066$2,595$2,187$1,835$1,535$797
17 years$2,856$2,390$1,990$1,649$1,361$672
18 years$2,669$2,208$1,816$1,486$1,210$568
19 years$2,502$2,047$1,663$1,343$1,079$480
20 years$2,352$1,902$1,526$1,216$963$407
21 years$2,216$1,772$1,404$1,104$862$345
22 years$2,093$1,654$1,294$1,004$773$293
23 years$1,981$1,547$1,195$914$694$249
24 years$1,878$1,449$1,105$834$624$212
25 years$1,784$1,360$1,023$761$561$181
26 years$1,697$1,278$949$696$505$154
27 years$1,617$1,203$881$637$456$131
28 years$1,542$1,133$819$584$411$112
29 years$1,473$1,069$762$535$371$95
30 years$1,409$1,010$710$491$335$81
31 years$1,348$955$662$451$303$69
32 years$1,292$903$618$415$274$59
33 years$1,239$855$577$381$248$50
34 years$1,190$811$539$351$225$43
35 years$1,143$769$504$323$204$37
36 years$1,099$730$471$297$184$31
37 years$1,058$693$441$274$167$27
38 years$1,018$659$413$253$152$23
39 years$981$626$387$233$137$19
40 years$946$596$363$215$125$17
41 years$913$567$340$198$113$14
42 years$881$540$319$183$103$12
43 years$851$515$299$169$93$10
44 years$822$491$281$156$85$9
45 years$795$468$264$144$77$8
46 years$769$446$248$133$70$6
47 years$744$426$233$123$63$5
48 years$720$407$219$114$57$5
49 years$697$388$206$105$52$4
50 years$676$371$193$97$47$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $692,000, adding $5,084 every year, while hoping to spend $53,696 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: 32/47/21 Blend
51$692,000$692,000$692,000$692,000
52$767,828$731,152$720,426$787,276
53$789,014$709,846$687,428$780,992
54$810,562$685,697$651,525$769,005
55$832,451$658,508$612,563$754,979
56$854,658$628,072$570,381$738,770
57$877,156$594,170$524,811$720,221
58$899,910$556,568$475,677$699,171
59$922,884$515,023$422,795$675,444
60$946,033$469,275$365,974$648,856
61$969,308$419,048$305,013$619,210
62$992,650$364,054$239,704$586,298
63$1,015,994$303,987$169,827$549,898
64$1,039,265$238,522$95,156$509,776
65$1,062,378$167,318$15,452$465,681
66$1,085,238$90,013$0$417,348
67$1,107,736$6,228$0$380,091
68$1,129,751$0$0$342,723
69$1,151,145$0$0$345,192
70$1,171,766$0$0$350,550
71$1,191,441$0$0$355,514
72$1,209,978$0$0$360,015
73$1,227,161$0$0$363,974
74$1,242,751$0$0$367,306
75$1,256,479$0$0$369,912
76$1,268,047$0$0$371,686
77$1,277,122$0$0$372,509
78$1,283,334$0$0$372,247
79$1,286,272$0$0$370,754
80$1,285,480$0$0$367,865
81$1,280,448$0$0$363,399
82$1,270,615$0$0$357,155
83$1,255,355$0$0$348,910
84$1,233,975$0$0$338,416
85$1,205,707$0$0$325,401
86$1,169,701$0$0$309,561
87$1,125,014$0$0$290,560
88$1,070,603$0$0$268,029
89$1,005,314$0$0$241,555
90$927,868$0$0$210,687
91$836,854$0$0$174,921
92$730,708$0$0$133,704
93$607,702$0$0$86,422
94$465,928$0$0$32,399
95$303,274$0$0$0
96$117,409$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0