Can I retire at age 52 with 650,000?

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 $650,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$53,676$53,198$52,732$52,276$51,832$50,994
2 years$26,572$26,078$25,598$25,133$24,682$23,840
3 years$17,539$17,042$16,564$16,103$15,659$14,840
4 years$13,023$12,528$12,054$11,601$11,168$10,377
5 years$10,314$9,822$9,354$8,911$8,490$7,730
6 years$8,509$8,020$7,560$7,126$6,718$5,989
7 years$7,220$6,735$6,282$5,859$5,463$4,767
8 years$6,254$5,773$5,328$4,915$4,532$3,868
9 years$5,503$5,027$4,589$4,186$3,817$3,184
10 years$4,902$4,431$4,001$3,609$3,252$2,650
11 years$4,411$3,945$3,522$3,141$2,797$2,225
12 years$4,002$3,540$3,126$2,755$2,424$1,881
13 years$3,656$3,200$2,793$2,432$2,114$1,600
14 years$3,360$2,908$2,509$2,159$1,853$1,367
15 years$3,104$2,657$2,266$1,925$1,631$1,173
16 years$2,880$2,438$2,054$1,724$1,442$1,009
17 years$2,682$2,245$1,869$1,549$1,278$871
18 years$2,507$2,074$1,706$1,396$1,137$753
19 years$2,350$1,923$1,562$1,261$1,013$653
20 years$2,209$1,786$1,433$1,142$905$567
21 years$2,082$1,664$1,319$1,037$810$493
22 years$1,966$1,553$1,215$943$726$429
23 years$1,861$1,453$1,122$858$652$374
24 years$1,764$1,361$1,038$783$586$326
25 years$1,676$1,277$961$715$527$285
26 years$1,594$1,201$891$654$475$249
27 years$1,519$1,130$828$598$428$218
28 years$1,449$1,065$769$548$386$190
29 years$1,384$1,004$716$503$349$167
30 years$1,323$949$667$461$315$146
31 years$1,267$897$622$424$285$128
32 years$1,214$848$580$390$258$112
33 years$1,164$803$542$358$233$98
34 years$1,117$762$506$330$211$86
35 years$1,074$722$473$303$191$75
36 years$1,032$686$443$279$173$66
37 years$993$651$414$257$157$58
38 years$957$619$388$237$142$51
39 years$922$588$364$219$129$45
40 years$889$560$341$202$117$39
41 years$857$533$319$186$106$34
42 years$828$508$300$172$96$30
43 years$799$484$281$159$87$26
44 years$772$461$264$146$79$23
45 years$747$440$248$135$72$20
46 years$722$419$233$125$65$18
47 years$699$400$219$115$59$16
48 years$676$382$206$107$54$14
49 years$655$365$193$99$49$12
50 years$635$348$182$91$45$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $650,000, adding $6,115 every year, while hoping to spend $40,261 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: 54/17/29 Blend
51$650,000$650,000$650,000$650,000
52$722,608$688,158$678,083$755,499
53$753,476$679,040$657,961$769,805
54$786,144$668,126$635,816$780,760
55$820,752$655,286$611,537$791,890
56$857,454$640,380$585,009$803,227
57$896,419$623,264$556,112$814,809
58$937,831$603,781$524,718$826,681
59$981,891$581,767$490,698$838,893
60$1,028,820$557,050$453,912$851,505
61$1,078,859$529,445$414,218$864,585
62$1,132,273$498,757$371,464$878,211
63$1,189,351$464,783$325,494$892,471
64$1,250,411$427,303$276,145$907,466
65$1,315,801$386,089$223,244$923,313
66$1,385,903$340,898$166,613$940,140
67$1,461,136$291,473$106,065$958,097
68$1,541,960$237,543$41,406$977,349
69$1,628,879$178,822$0$998,086
70$1,722,448$115,007$0$1,029,058
71$1,823,274$45,779$0$1,076,195
72$1,932,027$0$0$1,127,006
73$2,049,439$0$0$1,187,327
74$2,176,319$0$0$1,261,815
75$2,313,553$0$0$1,342,431
76$2,462,114$0$0$1,429,756
77$2,623,075$0$0$1,524,426
78$2,797,613$0$0$1,627,140
79$2,987,025$0$0$1,738,669
80$3,192,734$0$0$1,859,858
81$3,416,308$0$0$1,991,640
82$3,659,471$0$0$2,135,039
83$3,924,119$0$0$2,291,183
84$4,212,340$0$0$2,461,313
85$4,526,431$0$0$2,646,792
86$4,868,918$0$0$2,849,126
87$5,242,584$0$0$3,069,966
88$5,650,490$0$0$3,311,135
89$6,096,008$0$0$3,574,636
90$6,582,847$0$0$3,862,675
91$7,115,093$0$0$4,177,683
92$7,697,243$0$0$4,522,333
93$8,334,249$0$0$4,899,571
94$9,031,564$0$0$5,312,640
95$9,795,193$0$0$5,765,112
96$10,631,747$0$0$6,260,919
97$11,548,510$0$0$6,804,392
98$12,553,501$0$0$7,400,304
99$13,655,553$0$0$8,053,907
100$14,864,395$0$0$8,770,988