Can I retire at age 52 with 652,000?

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 $652,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$53,842$53,362$52,894$52,437$51,991$50,287
2 years$26,654$26,158$25,677$25,210$24,758$23,057
3 years$17,593$17,094$16,615$16,152$15,707$14,063
4 years$13,063$12,566$12,091$11,637$11,203$9,628
5 years$10,346$9,852$9,383$8,938$8,516$7,015
6 years$8,535$8,045$7,583$7,148$6,738$5,312
7 years$7,242$6,756$6,302$5,877$5,480$4,129
8 years$6,273$5,791$5,344$4,930$4,546$3,269
9 years$5,520$5,042$4,603$4,199$3,829$2,623
10 years$4,917$4,445$4,013$3,620$3,262$2,127
11 years$4,425$3,957$3,533$3,150$2,806$1,739
12 years$4,014$3,551$3,135$2,763$2,431$1,431
13 years$3,668$3,209$2,801$2,439$2,120$1,183
14 years$3,371$2,917$2,517$2,165$1,858$982
15 years$3,113$2,665$2,272$1,931$1,636$818
16 years$2,889$2,445$2,060$1,729$1,446$683
17 years$2,690$2,252$1,875$1,554$1,282$572
18 years$2,515$2,081$1,711$1,400$1,140$480
19 years$2,357$1,928$1,567$1,265$1,016$403
20 years$2,216$1,792$1,438$1,146$908$339
21 years$2,088$1,669$1,323$1,040$812$285
22 years$1,972$1,558$1,219$946$728$240
23 years$1,867$1,457$1,126$861$654$203
24 years$1,770$1,365$1,041$785$587$171
25 years$1,681$1,281$964$717$529$144
26 years$1,599$1,204$894$656$476$122
27 years$1,523$1,133$830$600$429$103
28 years$1,453$1,068$772$550$387$87
29 years$1,388$1,007$718$504$350$74
30 years$1,327$951$669$463$316$62
31 years$1,270$899$624$425$286$53
32 years$1,217$851$582$391$258$45
33 years$1,168$806$543$359$234$38
34 years$1,121$764$508$331$212$32
35 years$1,077$725$475$304$192$27
36 years$1,036$688$444$280$174$23
37 years$996$653$416$258$158$19
38 years$959$621$389$238$143$16
39 years$925$590$365$219$130$14
40 years$891$562$342$202$117$12
41 years$860$535$320$187$107$10
42 years$830$509$301$172$97$8
43 years$802$485$282$159$88$7
44 years$775$462$265$147$80$6
45 years$749$441$249$136$72$5
46 years$724$421$234$125$66$4
47 years$701$401$219$116$60$4
48 years$679$383$206$107$54$3
49 years$657$366$194$99$49$3
50 years$637$350$182$91$45$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $652,000, adding $6,798 every year, while hoping to spend $39,455 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: 74/7/19 Blend
51$652,000$652,000$652,000$652,000
52$725,516$690,960$680,854$775,479
53$757,539$682,837$661,683$801,410
54$791,506$672,994$640,547$824,349
55$827,573$661,305$617,339$848,462
56$865,912$647,635$591,947$873,857
57$906,711$631,845$564,253$900,653
58$950,174$613,784$534,134$928,984
59$996,526$593,294$501,461$958,994
60$1,046,013$570,207$466,102$990,847
61$1,098,905$544,345$427,915$1,024,722
62$1,155,497$515,522$386,754$1,060,817
63$1,216,114$483,538$342,466$1,099,352
64$1,281,110$448,184$294,891$1,140,571
65$1,350,875$409,237$243,862$1,184,742
66$1,425,838$366,464$189,205$1,232,163
67$1,506,469$319,615$130,738$1,283,163
68$1,593,282$268,430$68,271$1,338,107
69$1,686,844$212,631$1,606$1,397,397
70$1,787,778$151,926$0$1,461,478
71$1,896,767$86,005$0$1,544,941
72$2,014,562$14,544$0$1,635,496
73$2,141,987$0$0$1,733,465
74$2,279,952$0$0$1,844,398
75$2,429,452$0$0$1,965,845
76$2,591,586$0$0$2,097,578
77$2,767,558$0$0$2,240,582
78$2,958,696$0$0$2,395,938
79$3,166,459$0$0$2,564,834
80$3,392,451$0$0$2,748,580
81$3,638,440$0$0$2,948,615
82$3,906,368$0$0$3,166,524
83$4,198,375$0$0$3,404,050
84$4,516,813$0$0$3,663,111
85$4,864,273$0$0$3,945,820
86$5,243,607$0$0$4,254,501
87$5,657,953$0$0$4,591,712
88$6,110,766$0$0$4,960,272
89$6,605,851$0$0$5,363,281
90$7,147,396$0$0$5,804,155
91$7,740,012$0$0$6,286,653
92$8,388,779$0$0$6,814,916
93$9,099,286$0$0$7,393,503
94$9,877,694$0$0$8,027,435
95$10,730,783$0$0$8,722,242
96$11,666,022$0$0$9,484,013
97$12,691,638$0$0$10,319,457
98$13,816,690$0$0$11,235,959
99$15,051,159$0$0$12,241,659
100$16,406,036$0$0$13,345,518