Can I retire at age 52 with 657,000?

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 $657,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$54,254$53,771$53,300$52,839$52,390$51,290
2 years$26,859$26,358$25,874$25,404$24,948$23,845
3 years$17,728$17,226$16,742$16,276$15,828$14,756
4 years$13,163$12,663$12,184$11,726$11,289$10,257
5 years$10,425$9,928$9,455$9,007$8,581$7,592
6 years$8,601$8,107$7,641$7,203$6,790$5,844
7 years$7,298$6,808$6,350$5,922$5,522$4,620
8 years$6,321$5,836$5,385$4,968$4,581$3,723
9 years$5,562$5,081$4,638$4,231$3,858$3,043
10 years$4,955$4,479$4,044$3,647$3,287$2,514
11 years$4,459$3,987$3,560$3,174$2,827$2,095
12 years$4,045$3,579$3,159$2,784$2,450$1,758
13 years$3,696$3,234$2,823$2,458$2,136$1,483
14 years$3,396$2,940$2,536$2,182$1,873$1,257
15 years$3,137$2,685$2,290$1,946$1,649$1,069
16 years$2,911$2,464$2,076$1,742$1,457$912
17 years$2,711$2,269$1,889$1,566$1,292$781
18 years$2,534$2,097$1,725$1,411$1,149$669
19 years$2,375$1,943$1,579$1,275$1,024$575
20 years$2,233$1,806$1,449$1,155$915$495
21 years$2,104$1,682$1,333$1,048$819$426
22 years$1,987$1,570$1,228$953$734$368
23 years$1,881$1,468$1,134$868$659$317
24 years$1,783$1,376$1,049$791$592$274
25 years$1,694$1,291$971$723$533$237
26 years$1,611$1,213$901$661$480$205
27 years$1,535$1,142$837$605$433$178
28 years$1,464$1,076$778$554$390$154
29 years$1,399$1,015$724$508$352$133
30 years$1,337$959$674$466$318$116
31 years$1,280$906$629$428$288$100
32 years$1,227$858$586$394$260$87
33 years$1,177$812$548$362$236$75
34 years$1,130$770$512$333$213$65
35 years$1,085$730$478$307$193$57
36 years$1,043$693$447$282$175$49
37 years$1,004$658$419$260$159$43
38 years$967$625$392$240$144$37
39 years$932$595$367$221$131$32
40 years$898$566$344$204$118$28
41 years$867$539$323$188$107$24
42 years$836$513$303$174$97$21
43 years$808$489$284$160$88$18
44 years$781$466$267$148$80$16
45 years$755$444$251$137$73$14
46 years$730$424$235$126$66$12
47 years$706$404$221$117$60$10
48 years$684$386$208$108$55$9
49 years$662$369$195$100$50$8
50 years$641$352$184$92$45$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $657,000, adding $6,223 every year, while hoping to spend $51,572 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: 58/28/14 Blend
51$657,000$657,000$657,000$657,000
52$730,433$695,612$685,429$769,855
53$750,065$674,825$653,518$776,435
54$769,971$651,291$618,810$777,358
55$790,124$624,820$581,157$777,154
56$810,494$595,214$540,403$775,724
57$831,045$562,259$496,387$772,958
58$851,735$525,734$448,939$768,741
59$872,517$485,400$397,884$762,947
60$893,337$441,007$343,036$755,440
61$914,133$392,292$284,203$746,078
62$934,835$338,975$221,184$734,703
63$955,364$280,760$153,769$721,148
64$975,629$217,336$81,739$705,233
65$995,530$148,372$4,865$686,763
66$1,014,954$73,522$0$665,528
67$1,033,772$0$0$652,833
68$1,051,841$0$0$640,766
69$1,069,000$0$0$650,740
70$1,085,071$0$0$659,988
71$1,099,853$0$0$668,379
72$1,113,121$0$0$675,770
73$1,124,628$0$0$682,000
74$1,134,094$0$0$686,890
75$1,141,210$0$0$690,242
76$1,145,632$0$0$691,835
77$1,146,978$0$0$691,422
78$1,144,823$0$0$688,732
79$1,138,694$0$0$683,461
80$1,128,070$0$0$675,273
81$1,112,368$0$0$663,796
82$1,090,945$0$0$648,617
83$1,063,089$0$0$629,279
84$1,028,009$0$0$605,276
85$984,829$0$0$576,046
86$932,583$0$0$540,970
87$870,197$0$0$499,359
88$796,486$0$0$450,456
89$710,139$0$0$393,420
90$609,705$0$0$327,322
91$493,582$0$0$251,135
92$359,997$0$0$163,727
93$206,993$0$0$63,842
94$32,407$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