Can I retire at age 52 with 669,000?

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 $669,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$55,245$54,753$54,273$53,805$53,347$51,557
2 years$27,349$26,840$26,346$25,868$25,403$23,617
3 years$18,052$17,540$17,048$16,574$16,117$14,391
4 years$13,404$12,894$12,406$11,940$11,495$9,843
5 years$10,616$10,109$9,628$9,171$8,738$7,164
6 years$8,758$8,255$7,781$7,334$6,914$5,419
7 years$7,431$6,932$6,466$6,030$5,623$4,207
8 years$6,437$5,942$5,484$5,058$4,665$3,327
9 years$5,664$5,174$4,723$4,309$3,929$2,667
10 years$5,045$4,560$4,118$3,714$3,347$2,160
11 years$4,540$4,060$3,625$3,232$2,879$1,763
12 years$4,119$3,644$3,217$2,835$2,495$1,449
13 years$3,763$3,293$2,874$2,503$2,175$1,196
14 years$3,458$2,993$2,583$2,222$1,907$992
15 years$3,195$2,734$2,332$1,982$1,679$825
16 years$2,964$2,509$2,114$1,774$1,484$688
17 years$2,761$2,311$1,924$1,594$1,316$575
18 years$2,580$2,135$1,756$1,437$1,170$482
19 years$2,419$1,979$1,608$1,298$1,043$404
20 years$2,274$1,839$1,475$1,176$931$339
21 years$2,143$1,713$1,357$1,067$834$285
22 years$2,024$1,599$1,251$970$747$240
23 years$1,915$1,495$1,155$884$671$202
24 years$1,816$1,401$1,068$806$603$170
25 years$1,725$1,315$989$736$542$143
26 years$1,641$1,236$917$673$489$121
27 years$1,563$1,163$852$616$441$102
28 years$1,491$1,096$792$564$397$86
29 years$1,424$1,034$737$518$359$73
30 years$1,362$976$686$475$324$61
31 years$1,304$923$640$436$293$52
32 years$1,249$873$597$401$265$44
33 years$1,198$827$558$369$240$37
34 years$1,150$784$521$339$217$31
35 years$1,105$743$487$312$197$26
36 years$1,063$706$456$288$178$22
37 years$1,022$670$426$265$162$19
38 years$985$637$399$244$147$16
39 years$949$606$374$225$133$13
40 years$915$576$351$208$121$11
41 years$882$548$329$192$109$10
42 years$852$522$308$177$99$8
43 years$823$498$289$163$90$7
44 years$795$474$272$151$82$6
45 years$768$452$255$139$74$5
46 years$743$432$240$129$67$4
47 years$719$412$225$119$61$4
48 years$696$393$212$110$56$3
49 years$674$375$199$101$50$3
50 years$653$359$187$94$46$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $669,000, adding $3,593 every year, while hoping to spend $31,408 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: 41/37/22 Blend
51$669,000$669,000$669,000$669,000
52$740,944$705,487$695,118$766,394
53$783,103$706,638$684,986$786,084
54$828,509$706,793$673,463$804,110
55$877,460$705,869$660,467$822,987
56$930,285$703,781$645,917$842,811
57$987,342$700,434$629,723$863,687
58$1,049,027$695,732$611,796$885,737
59$1,115,776$689,570$592,038$909,094
60$1,188,064$681,839$570,351$933,909
61$1,266,418$672,420$546,629$960,350
62$1,351,415$661,191$520,764$988,605
63$1,443,691$648,021$492,640$1,018,884
64$1,543,942$632,769$462,139$1,051,422
65$1,652,939$615,289$429,135$1,086,480
66$1,771,527$595,426$393,499$1,124,351
67$1,900,634$573,014$355,093$1,165,359
68$2,041,286$547,879$313,776$1,209,868
69$2,194,608$519,836$269,398$1,258,280
70$2,361,840$488,690$221,805$1,311,045
71$2,544,346$454,234$170,834$1,368,662
72$2,743,628$416,250$116,315$1,431,687
73$2,961,339$374,507$58,073$1,500,737
74$3,199,300$328,762$0$1,576,498
75$3,459,513$278,756$0$1,660,689
76$3,744,185$224,217$0$1,767,808
77$4,055,746$164,858$0$1,885,194
78$4,396,870$100,373$0$2,013,938
79$4,770,503$30,444$0$2,155,246
80$5,179,889$0$0$2,310,450
81$5,628,600$0$0$2,499,459
82$6,120,572$0$0$2,720,366
83$6,660,136$0$0$2,962,733
84$7,252,067$0$0$3,228,717
85$7,901,622$0$0$3,520,689
86$8,614,592$0$0$3,841,267
87$9,397,355$0$0$4,193,329
88$10,256,939$0$0$4,580,049
89$11,201,083$0$0$5,004,924
90$12,238,315$0$0$5,471,804
91$13,378,028$0$0$5,984,931
92$14,630,571$0$0$6,548,980
93$16,007,345$0$0$7,169,100
94$17,520,910$0$0$7,850,963
95$19,185,105$0$0$8,600,822
96$21,015,175$0$0$9,425,561
97$23,027,918$0$0$10,332,769
98$25,241,840$0$0$11,330,805
99$27,677,332$0$0$12,428,879
100$30,356,860$0$0$13,637,140