Can I retire at age 52 with 661,000?

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 $661,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$54,585$54,099$53,624$53,161$52,709$51,519
2 years$27,022$26,519$26,031$25,558$25,100$23,907
3 years$17,836$17,330$16,844$16,375$15,924$14,766
4 years$13,244$12,740$12,258$11,798$11,357$10,243
5 years$10,489$9,988$9,513$9,062$8,634$7,566
6 years$8,653$8,156$7,688$7,247$6,831$5,812
7 years$7,342$6,849$6,389$5,958$5,556$4,584
8 years$6,360$5,871$5,418$4,998$4,609$3,685
9 years$5,596$5,112$4,666$4,257$3,882$3,004
10 years$4,985$4,506$4,068$3,670$3,307$2,476
11 years$4,486$4,011$3,582$3,194$2,844$2,058
12 years$4,070$3,600$3,179$2,801$2,465$1,722
13 years$3,718$3,254$2,840$2,473$2,149$1,449
14 years$3,417$2,958$2,552$2,195$1,884$1,225
15 years$3,156$2,702$2,304$1,958$1,659$1,039
16 years$2,928$2,479$2,089$1,753$1,466$884
17 years$2,728$2,283$1,901$1,575$1,300$754
18 years$2,549$2,109$1,735$1,420$1,156$645
19 years$2,390$1,955$1,588$1,283$1,030$552
20 years$2,247$1,817$1,458$1,162$920$474
21 years$2,117$1,692$1,341$1,054$824$407
22 years$2,000$1,580$1,236$959$738$350
23 years$1,892$1,477$1,141$873$663$301
24 years$1,794$1,384$1,055$796$596$260
25 years$1,704$1,299$977$727$536$224
26 years$1,621$1,221$906$665$483$193
27 years$1,544$1,149$842$609$435$167
28 years$1,473$1,083$783$558$393$144
29 years$1,407$1,021$728$511$355$124
30 years$1,346$965$678$469$320$107
31 years$1,288$912$632$431$290$93
32 years$1,234$863$590$396$262$80
33 years$1,184$817$551$364$237$69
34 years$1,136$774$515$335$215$60
35 years$1,092$735$481$309$194$52
36 years$1,050$697$450$284$176$45
37 years$1,010$662$421$262$160$39
38 years$973$629$395$241$145$34
39 years$937$598$370$222$131$29
40 years$904$569$346$205$119$25
41 years$872$542$325$189$108$22
42 years$842$516$305$175$98$19
43 years$813$492$286$161$89$16
44 years$785$469$268$149$81$14
45 years$759$447$252$138$73$12
46 years$734$426$237$127$67$11
47 years$711$407$222$117$60$9
48 years$688$388$209$108$55$8
49 years$666$371$196$100$50$7
50 years$645$354$185$93$45$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $661,000, adding $3,168 every year, while hoping to spend $36,238 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: 67/28/5 Blend
51$661,000$661,000$661,000$661,000
52$731,690$696,657$686,411$780,055
53$767,765$692,236$670,849$808,090
54$806,306$686,384$653,551$834,035
55$847,525$678,993$634,421$861,414
56$891,656$669,947$613,357$890,360
57$938,955$659,125$590,255$921,022
58$989,704$646,397$565,004$953,564
59$1,044,211$631,628$537,489$988,168
60$1,102,815$614,672$507,589$1,025,035
61$1,165,887$595,376$475,179$1,064,387
62$1,233,836$573,578$440,126$1,106,474
63$1,307,111$549,107$402,293$1,151,567
64$1,386,203$521,780$361,537$1,199,970
65$1,471,654$491,406$317,707$1,252,018
66$1,564,059$457,781$270,647$1,308,084
67$1,664,072$420,691$220,192$1,368,579
68$1,772,411$379,909$166,172$1,433,957
69$1,889,867$335,194$108,409$1,504,723
70$2,017,308$286,293$46,716$1,581,434
71$2,155,691$232,939$0$1,664,707
72$2,306,066$174,848$0$1,756,246
73$2,469,590$111,721$0$1,858,510
74$2,647,535$43,242$0$1,969,853
75$2,841,301$0$0$2,091,210
76$3,052,428$0$0$2,233,141
77$3,282,612$0$0$2,402,446
78$3,533,718$0$0$2,587,179
79$3,807,799$0$0$2,788,854
80$4,107,116$0$0$3,009,140
81$4,434,157$0$0$3,249,873
82$4,791,663$0$0$3,513,077
83$5,182,648$0$0$3,800,976
84$5,610,435$0$0$4,116,022
85$6,078,679$0$0$4,460,914
86$6,591,407$0$0$4,838,624
87$7,153,054$0$0$5,252,426
88$7,768,502$0$0$5,705,924
89$8,443,130$0$0$6,203,088
90$9,182,861$0$0$6,748,290
91$9,994,217$0$0$7,346,346
92$10,884,386$0$0$8,002,560
93$11,861,280$0$0$8,722,775
94$12,933,619$0$0$9,513,427
95$14,111,004$0$0$10,381,604
96$15,404,015$0$0$11,335,116
97$16,824,303$0$0$12,382,566
98$18,384,708$0$0$13,533,431
99$20,099,369$0$0$14,798,151
100$21,983,868$0$0$16,188,229