Can I retire at age 52 with 665,000?

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 $665,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$54,915$54,426$53,949$53,483$53,028$51,516
2 years$27,186$26,679$26,189$25,713$25,251$23,740
3 years$17,944$17,435$16,946$16,475$16,021$14,557
4 years$13,324$12,817$12,332$11,869$11,426$10,022
5 years$10,552$10,049$9,570$9,117$8,686$7,344
6 years$8,705$8,205$7,734$7,291$6,873$5,595
7 years$7,387$6,891$6,427$5,994$5,589$4,376
8 years$6,398$5,907$5,451$5,028$4,637$3,487
9 years$5,630$5,143$4,695$4,283$3,905$2,817
10 years$5,015$4,533$4,093$3,692$3,327$2,301
11 years$4,513$4,036$3,603$3,213$2,862$1,894
12 years$4,094$3,622$3,198$2,818$2,480$1,569
13 years$3,741$3,273$2,857$2,488$2,162$1,307
14 years$3,438$2,975$2,567$2,209$1,896$1,094
15 years$3,175$2,718$2,318$1,970$1,669$918
16 years$2,946$2,494$2,101$1,764$1,475$773
17 years$2,744$2,297$1,912$1,585$1,308$652
18 years$2,565$2,122$1,746$1,428$1,163$552
19 years$2,404$1,967$1,598$1,290$1,037$467
20 years$2,260$1,828$1,467$1,169$926$396
21 years$2,130$1,702$1,349$1,061$829$336
22 years$2,012$1,589$1,243$964$743$286
23 years$1,904$1,486$1,148$878$667$243
24 years$1,805$1,393$1,062$801$599$207
25 years$1,714$1,307$983$732$539$176
26 years$1,631$1,228$912$669$486$150
27 years$1,554$1,156$847$612$438$128
28 years$1,482$1,089$787$561$395$109
29 years$1,416$1,028$733$514$357$93
30 years$1,354$970$682$472$322$80
31 years$1,296$917$636$434$291$68
32 years$1,242$868$594$398$264$58
33 years$1,191$822$554$366$239$50
34 years$1,143$779$518$337$216$42
35 years$1,098$739$484$310$196$36
36 years$1,056$701$453$286$177$31
37 years$1,016$666$424$263$161$26
38 years$979$633$397$243$146$23
39 years$943$602$372$224$132$19
40 years$909$573$349$206$120$16
41 years$877$545$327$190$109$14
42 years$847$519$307$176$99$12
43 years$818$495$288$162$90$10
44 years$790$472$270$150$81$9
45 years$764$450$254$138$74$7
46 years$739$429$238$128$67$6
47 years$715$409$224$118$61$5
48 years$692$391$210$109$55$5
49 years$670$373$198$101$50$4
50 years$649$357$186$93$46$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $665,000, adding $6,468 every year, while hoping to spend $37,511 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: 25/48/27 Blend
51$665,000$665,000$665,000$665,000
52$739,502$704,257$693,949$751,596
53$775,020$698,854$677,285$756,715
54$812,903$691,929$658,806$758,582
55$853,354$683,368$638,410$759,799
56$896,592$673,050$615,994$760,339
57$942,862$660,847$591,447$760,172
58$992,428$646,622$564,654$759,271
59$1,045,581$630,232$535,496$757,611
60$1,102,642$611,525$503,846$755,168
61$1,163,961$590,339$469,574$751,921
62$1,229,923$566,504$432,543$747,852
63$1,300,951$539,839$392,610$742,948
64$1,377,510$510,153$349,624$737,196
65$1,460,109$477,244$303,430$730,595
66$1,549,310$440,898$253,864$723,143
67$1,645,727$400,890$200,756$714,851
68$1,750,039$356,980$143,929$705,735
69$1,862,988$308,918$83,195$695,821
70$1,985,393$256,435$18,362$685,146
71$2,118,153$199,250$0$673,760
72$2,262,257$137,066$0$676,369
73$2,418,794$69,569$0$685,008
74$2,588,960$0$0$694,543
75$2,774,072$0$0$707,049
76$2,975,578$0$0$760,761
77$3,195,071$0$0$819,373
78$3,434,307$0$0$883,365
79$3,695,214$0$0$953,267
80$3,979,918$0$0$1,029,663
81$4,290,758$0$0$1,113,195
82$4,630,307$0$0$1,204,570
83$5,001,400$0$0$1,304,567
84$5,407,157$0$0$1,414,044
85$5,851,012$0$0$1,533,944
86$6,336,749$0$0$1,665,307
87$6,868,533$0$0$1,809,279
88$7,450,950$0$0$1,967,120
89$8,089,051$0$0$2,140,220
90$8,788,398$0$0$2,330,108
91$9,555,118$0$0$2,538,470
92$10,395,959$0$0$2,767,162
93$11,318,350$0$0$3,018,227
94$12,330,479$0$0$3,293,920
95$13,441,361$0$0$3,596,719
96$14,660,929$0$0$3,929,359
97$16,000,121$0$0$4,294,850
98$17,470,990$0$0$4,696,509
99$19,086,811$0$0$5,137,991
100$20,862,211$0$0$5,623,320