Can I retire at age 52 with 662,000?

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 $662,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$54,667$54,180$53,705$53,242$52,789$50,674
2 years$27,063$26,559$26,071$25,597$25,138$23,034
3 years$17,863$17,357$16,869$16,400$15,948$13,922
4 years$13,264$12,759$12,277$11,815$11,374$9,440
5 years$10,505$10,003$9,527$9,075$8,647$6,810
6 years$8,666$8,168$7,699$7,258$6,842$5,103
7 years$7,353$6,860$6,398$5,967$5,564$3,923
8 years$6,369$5,880$5,426$5,005$4,616$3,071
9 years$5,604$5,120$4,674$4,264$3,887$2,436
10 years$4,993$4,513$4,075$3,675$3,312$1,952
11 years$4,492$4,017$3,587$3,199$2,849$1,576
12 years$4,076$3,606$3,183$2,806$2,469$1,280
13 years$3,724$3,259$2,844$2,477$2,153$1,045
14 years$3,422$2,962$2,556$2,199$1,887$856
15 years$3,161$2,706$2,307$1,961$1,661$703
16 years$2,933$2,483$2,092$1,756$1,468$580
17 years$2,732$2,286$1,904$1,578$1,302$478
18 years$2,553$2,113$1,738$1,422$1,158$396
19 years$2,393$1,958$1,591$1,285$1,032$327
20 years$2,250$1,819$1,460$1,163$922$271
21 years$2,120$1,695$1,343$1,056$825$225
22 years$2,003$1,582$1,238$960$739$187
23 years$1,895$1,480$1,143$874$664$155
24 years$1,797$1,386$1,057$797$597$129
25 years$1,707$1,301$979$728$537$107
26 years$1,624$1,223$908$666$483$89
27 years$1,547$1,151$843$610$436$74
28 years$1,475$1,084$784$558$393$62
29 years$1,409$1,023$729$512$355$51
30 years$1,348$966$679$470$321$43
31 years$1,290$913$633$432$290$36
32 years$1,236$864$591$397$262$30
33 years$1,186$818$552$365$238$25
34 years$1,138$776$515$336$215$21
35 years$1,093$736$482$309$195$17
36 years$1,051$698$451$285$176$14
37 years$1,012$663$422$262$160$12
38 years$974$630$395$242$145$10
39 years$939$599$370$223$131$8
40 years$905$570$347$206$119$7
41 years$873$543$325$190$108$6
42 years$843$517$305$175$98$5
43 years$814$492$286$162$89$4
44 years$787$469$269$149$81$3
45 years$760$448$252$138$73$3
46 years$735$427$237$127$67$2
47 years$712$408$223$118$61$2
48 years$689$389$209$109$55$2
49 years$667$372$197$100$50$1
50 years$646$355$185$93$45$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $662,000, adding $2,866 every year, while hoping to spend $52,909 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: 33/44/23 Blend
51$662,000$662,000$662,000$662,000
52$732,480$697,394$687,133$751,412
53$750,899$675,272$653,857$743,718
54$769,422$650,292$617,694$730,440
55$788,006$622,259$578,489$715,055
56$806,599$590,966$536,085$697,412
57$825,142$556,193$490,313$677,348
58$843,568$517,709$441,001$654,691
59$861,804$475,268$387,966$629,257
60$879,764$428,612$331,019$600,851
61$897,352$377,467$269,960$569,265
62$914,461$321,542$204,584$534,278
63$930,972$260,533$134,673$495,652
64$946,749$194,117$60,002$453,136
65$961,640$121,952$0$406,463
66$975,478$43,678$0$360,177
67$988,073$0$0$325,170
68$999,216$0$0$306,333
69$1,008,671$0$0$307,974
70$1,016,178$0$0$308,851
71$1,021,446$0$0$308,855
72$1,024,153$0$0$307,867
73$1,023,940$0$0$305,756
74$1,020,407$0$0$302,373
75$1,013,112$0$0$297,556
76$1,001,566$0$0$291,124
77$985,222$0$0$282,878
78$963,479$0$0$272,595
79$935,668$0$0$260,031
80$901,048$0$0$244,914
81$858,800$0$0$226,943
82$808,016$0$0$205,786
83$747,694$0$0$181,075
84$676,723$0$0$152,405
85$593,875$0$0$119,325
86$497,792$0$0$81,339
87$386,974$0$0$37,899
88$259,762$0$0$0
89$114,325$0$0$0
90$0$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$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