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%12.3%
1 years$53,676$53,198$52,732$52,276$51,832$51,333
2 years$26,572$26,078$25,598$25,133$24,682$24,180
3 years$17,539$17,042$16,564$16,103$15,659$15,169
4 years$13,023$12,528$12,054$11,601$11,168$10,694
5 years$10,314$9,822$9,354$8,911$8,490$8,032
6 years$8,509$8,020$7,560$7,126$6,718$6,278
7 years$7,220$6,735$6,282$5,859$5,463$5,041
8 years$6,254$5,773$5,328$4,915$4,532$4,128
9 years$5,503$5,027$4,589$4,186$3,817$3,430
10 years$4,902$4,431$4,001$3,609$3,252$2,883
11 years$4,411$3,945$3,522$3,141$2,797$2,445
12 years$4,002$3,540$3,126$2,755$2,424$2,089
13 years$3,656$3,200$2,793$2,432$2,114$1,795
14 years$3,360$2,908$2,509$2,159$1,853$1,550
15 years$3,104$2,657$2,266$1,925$1,631$1,344
16 years$2,880$2,438$2,054$1,724$1,442$1,170
17 years$2,682$2,245$1,869$1,549$1,278$1,021
18 years$2,507$2,074$1,706$1,396$1,137$893
19 years$2,350$1,923$1,562$1,261$1,013$783
20 years$2,209$1,786$1,433$1,142$905$688
21 years$2,082$1,664$1,319$1,037$810$605
22 years$1,966$1,553$1,215$943$726$534
23 years$1,861$1,453$1,122$858$652$471
24 years$1,764$1,361$1,038$783$586$416
25 years$1,676$1,277$961$715$527$368
26 years$1,594$1,201$891$654$475$325
27 years$1,519$1,130$828$598$428$288
28 years$1,449$1,065$769$548$386$255
29 years$1,384$1,004$716$503$349$226
30 years$1,323$949$667$461$315$201
31 years$1,267$897$622$424$285$178
32 years$1,214$848$580$390$258$158
33 years$1,164$803$542$358$233$140
34 years$1,117$762$506$330$211$125
35 years$1,074$722$473$303$191$111
36 years$1,032$686$443$279$173$98
37 years$993$651$414$257$157$88
38 years$957$619$388$237$142$78
39 years$922$588$364$219$129$69
40 years$889$560$341$202$117$62
41 years$857$533$319$186$106$55
42 years$828$508$300$172$96$49
43 years$799$484$281$159$87$43
44 years$772$461$264$146$79$39
45 years$747$440$248$135$72$34
46 years$722$419$233$125$65$31
47 years$699$400$219$115$59$27
48 years$676$382$206$107$54$24
49 years$655$365$193$99$49$22
50 years$635$348$182$91$45$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $650,000, adding $6,040 every year, while hoping to spend $29,228 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: 57/26/17 Blend
51$650,000$650,000$650,000$650,000
52$722,530$688,080$678,005$760,162
53$765,130$690,698$669,620$789,020
54$811,095$692,464$659,974$816,755
55$860,739$693,306$648,995$846,316
56$914,403$693,148$636,606$877,884
57$972,467$691,906$622,726$911,661
58$1,035,343$689,495$607,273$947,869
59$1,103,490$685,821$590,158$986,753
60$1,177,407$680,788$571,289$1,028,586
61$1,257,647$674,291$550,572$1,073,669
62$1,344,815$666,220$527,905$1,122,335
63$1,439,580$656,458$503,183$1,174,954
64$1,542,675$644,882$476,298$1,231,934
65$1,654,908$631,362$447,134$1,293,726
66$1,777,168$615,757$415,572$1,360,829
67$1,910,432$597,922$381,486$1,433,797
68$2,055,776$577,701$344,746$1,513,239
69$2,214,386$554,929$305,216$1,599,832
70$2,387,565$529,432$262,752$1,694,321
71$2,576,749$501,026$217,206$1,797,532
72$2,783,517$469,517$168,423$1,910,378
73$3,009,610$434,697$116,239$2,033,866
74$3,256,943$396,350$60,486$2,169,111
75$3,527,624$354,245$986$2,317,343
76$3,823,978$308,138$0$2,479,923
77$4,148,560$257,773$0$2,669,693
78$4,504,187$202,879$0$2,877,900
79$4,893,962$143,167$0$3,106,237
80$5,321,299$78,336$0$3,356,765
81$5,789,962$8,064$0$3,631,760
82$6,304,094$0$0$3,933,734
83$6,868,259$0$0$4,284,906
84$7,487,485$0$0$4,672,943
85$8,167,311$0$0$5,099,016
86$8,913,835$0$0$5,566,955
87$9,733,779$0$0$6,080,981
88$10,634,546$0$0$6,645,743
89$11,624,290$0$0$7,266,362
90$12,711,996$0$0$7,948,482
91$13,907,562$0$0$8,698,317
92$15,221,893$0$0$9,522,717
93$16,667,001$0$0$10,429,226
94$18,256,124$0$0$11,426,158
95$20,003,844$0$0$12,522,672
96$21,926,227$0$0$13,728,857
97$24,040,976$0$0$15,055,834
98$26,367,595$0$0$16,515,850
99$28,927,574$0$0$18,122,405
100$31,744,591$0$0$19,890,369