Can I retire at age 52 with 673,000?

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 $673,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$55,576$55,081$54,598$54,126$53,666$53,083
2 years$27,513$27,000$26,504$26,022$25,555$24,969
3 years$18,160$17,645$17,150$16,673$16,213$15,641
4 years$13,484$12,971$12,481$12,012$11,563$11,010
5 years$10,679$10,169$9,685$9,226$8,790$8,257
6 years$8,810$8,304$7,827$7,378$6,956$6,443
7 years$7,476$6,974$6,504$6,066$5,657$5,165
8 years$6,475$5,978$5,516$5,089$4,693$4,222
9 years$5,697$5,205$4,751$4,334$3,952$3,502
10 years$5,076$4,588$4,142$3,736$3,367$2,938
11 years$4,567$4,084$3,647$3,252$2,896$2,487
12 years$4,144$3,666$3,236$2,852$2,510$2,121
13 years$3,786$3,313$2,891$2,518$2,188$1,819
14 years$3,479$3,011$2,598$2,235$1,918$1,568
15 years$3,214$2,751$2,346$1,993$1,689$1,357
16 years$2,982$2,524$2,127$1,785$1,493$1,178
17 years$2,777$2,324$1,935$1,604$1,324$1,026
18 years$2,596$2,148$1,767$1,445$1,177$896
19 years$2,433$1,991$1,617$1,306$1,049$784
20 years$2,287$1,850$1,484$1,183$937$687
21 years$2,155$1,723$1,365$1,073$838$603
22 years$2,036$1,608$1,258$976$752$530
23 years$1,927$1,504$1,162$889$675$467
24 years$1,827$1,409$1,074$811$606$411
25 years$1,735$1,323$995$740$546$363
26 years$1,651$1,243$923$677$492$320
27 years$1,572$1,170$857$620$443$283
28 years$1,500$1,102$797$568$400$250
29 years$1,433$1,040$741$521$361$221
30 years$1,370$982$691$478$326$196
31 years$1,311$928$644$439$295$173
32 years$1,257$878$601$403$267$153
33 years$1,205$832$561$371$241$136
34 years$1,157$788$524$341$219$120
35 years$1,112$748$490$314$198$107
36 years$1,069$710$458$289$179$95
37 years$1,029$674$429$267$163$84
38 years$990$641$402$246$147$74
39 years$954$609$376$227$134$66
40 years$920$580$353$209$121$59
41 years$888$552$331$193$110$52
42 years$857$525$310$178$100$46
43 years$828$501$291$164$91$41
44 years$800$477$273$152$82$36
45 years$773$455$257$140$75$32
46 years$748$434$241$129$68$29
47 years$723$414$226$120$62$25
48 years$700$396$213$110$56$23
49 years$678$378$200$102$51$20
50 years$657$361$188$94$46$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $673,000, adding $2,825 every year, while hoping to spend $26,202 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: 37/33/30 Blend
51$673,000$673,000$673,000$673,000
52$744,560$708,891$698,459$765,355
53$792,626$715,748$693,979$787,907
54$844,717$722,063$688,471$809,681
55$901,216$727,781$681,872$832,709
56$962,543$732,845$674,117$857,123
57$1,029,161$737,194$665,139$883,069
58$1,101,580$740,761$654,866$910,711
59$1,180,361$743,478$643,224$940,229
60$1,266,119$745,270$630,133$971,826
61$1,359,534$746,058$615,513$1,005,725
62$1,461,352$745,760$599,278$1,042,175
63$1,572,394$744,287$581,338$1,081,453
64$1,693,564$741,543$561,599$1,123,866
65$1,825,859$737,430$539,964$1,169,755
66$1,970,374$731,842$516,330$1,219,499
67$2,128,315$724,665$490,590$1,273,517
68$2,301,011$715,781$462,632$1,332,275
69$2,489,923$705,063$432,340$1,396,289
70$2,696,662$692,378$399,589$1,466,131
71$2,923,000$677,583$364,254$1,542,436
72$3,170,890$660,528$326,201$1,625,907
73$3,442,482$641,055$285,289$1,717,321
74$3,740,143$618,995$241,375$1,817,541
75$4,066,481$594,169$194,304$1,927,522
76$4,424,368$566,390$143,920$2,048,320
77$4,816,967$535,457$90,055$2,181,104
78$5,247,763$501,159$32,537$2,327,169
79$5,720,594$463,275$0$2,487,947
80$6,239,686$421,567$0$2,674,253
81$6,809,697$375,786$0$2,890,322
82$7,435,756$325,670$0$3,127,728
83$8,123,514$270,939$0$3,388,677
84$8,879,198$211,300$0$3,675,606
85$9,709,664$146,441$0$3,991,203
86$10,622,468$76,036$0$4,338,434
87$11,625,934$0$0$4,720,574
88$12,729,234$0$0$5,141,329
89$13,942,469$0$0$5,634,474
90$15,276,773$0$0$6,176,934
91$16,744,409$0$0$6,773,709
92$18,358,890$0$0$7,430,308
93$20,135,104$0$0$8,152,798
94$22,089,456$0$0$8,947,867
95$24,240,020$0$0$9,822,883
96$26,606,711$0$0$10,785,964
97$29,211,472$0$0$11,846,056
98$32,078,481$0$0$13,013,014
99$35,234,379$0$0$14,297,700
100$38,708,522$0$0$15,712,081