Can I retire at age 52 with 678,000?

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 $678,000?

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$55,989$55,490$55,003$54,528$54,065$53,478
2 years$27,717$27,201$26,701$26,216$25,745$25,154
3 years$18,295$17,776$17,277$16,797$16,334$15,757
4 years$13,584$13,067$12,573$12,101$11,649$11,092
5 years$10,759$10,245$9,757$9,295$8,856$8,318
6 years$8,876$8,366$7,885$7,433$7,007$6,491
7 years$7,531$7,026$6,553$6,111$5,699$5,204
8 years$6,523$6,022$5,557$5,126$4,728$4,254
9 years$5,740$5,243$4,787$4,367$3,981$3,528
10 years$5,113$4,622$4,173$3,764$3,392$2,960
11 years$4,601$4,115$3,674$3,276$2,917$2,506
12 years$4,174$3,693$3,260$2,873$2,528$2,136
13 years$3,814$3,337$2,913$2,537$2,205$1,832
14 years$3,505$3,034$2,617$2,252$1,933$1,579
15 years$3,238$2,771$2,363$2,008$1,702$1,367
16 years$3,004$2,543$2,142$1,798$1,504$1,187
17 years$2,798$2,342$1,950$1,616$1,333$1,034
18 years$2,615$2,164$1,780$1,456$1,186$902
19 years$2,451$2,005$1,629$1,316$1,057$790
20 years$2,304$1,863$1,495$1,192$944$692
21 years$2,172$1,736$1,375$1,081$845$608
22 years$2,051$1,620$1,268$983$757$534
23 years$1,941$1,515$1,170$895$680$470
24 years$1,840$1,420$1,082$817$611$415
25 years$1,748$1,332$1,003$746$550$366
26 years$1,663$1,252$930$682$495$323
27 years$1,584$1,179$863$624$446$285
28 years$1,511$1,111$803$572$403$252
29 years$1,443$1,048$747$524$364$223
30 years$1,380$989$696$481$329$197
31 years$1,321$935$649$442$297$175
32 years$1,266$885$605$406$269$155
33 years$1,214$838$565$374$243$137
34 years$1,166$794$528$344$220$121
35 years$1,120$753$494$316$199$108
36 years$1,077$715$462$291$181$95
37 years$1,036$679$432$269$164$85
38 years$998$645$405$248$149$75
39 years$961$614$379$228$135$66
40 years$927$584$355$210$122$59
41 years$894$556$333$194$111$52
42 years$863$529$313$179$101$46
43 years$834$504$293$165$91$41
44 years$806$481$275$153$83$37
45 years$779$458$259$141$75$32
46 years$753$437$243$130$68$29
47 years$729$417$228$120$62$26
48 years$706$398$214$111$56$23
49 years$683$381$202$103$51$20
50 years$662$363$189$95$46$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $678,000, adding $5,011 every year, while hoping to spend $37,837 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: 54/34/12 Blend
51$678,000$678,000$678,000$678,000
52$752,325$716,391$705,882$790,353
53$788,804$711,236$689,271$811,604
54$827,735$704,560$670,835$830,200
55$869,330$696,249$650,473$849,562
56$913,818$686,181$628,080$869,770
57$961,451$674,229$603,545$890,915
58$1,012,508$660,255$576,753$913,100
59$1,067,292$644,115$547,582$936,439
60$1,126,136$625,657$515,907$961,060
61$1,189,407$604,719$481,594$987,108
62$1,257,506$581,130$444,507$1,014,742
63$1,330,875$554,708$404,501$1,044,145
64$1,409,998$525,263$361,426$1,075,516
65$1,495,408$492,591$315,124$1,109,082
66$1,587,690$456,478$265,431$1,145,093
67$1,687,487$416,698$212,175$1,183,831
68$1,795,505$373,011$155,178$1,225,609
69$1,912,522$325,164$94,252$1,270,775
70$2,039,392$272,890$29,202$1,319,719
71$2,177,054$215,905$0$1,372,873
72$2,326,541$153,912$0$1,435,870
73$2,488,990$86,596$0$1,508,421
74$2,665,651$13,623$0$1,587,408
75$2,857,898$0$0$1,673,524
76$3,067,246$0$0$1,791,990
77$3,295,360$0$0$1,926,688
78$3,544,072$0$0$2,073,610
79$3,815,399$0$0$2,233,956
80$4,111,560$0$0$2,409,046
81$4,435,001$0$0$2,600,333
82$4,788,410$0$0$2,809,416
83$5,174,750$0$0$3,038,057
84$5,597,281$0$0$3,288,195
85$6,059,594$0$0$3,561,965
86$6,565,641$0$0$3,861,718
87$7,119,776$0$0$4,190,043
88$7,726,792$0$0$4,549,793
89$8,391,970$0$0$4,944,106
90$9,121,122$0$0$5,376,442
91$9,920,653$0$0$5,850,609
92$10,797,615$0$0$6,370,803
93$11,759,777$0$0$6,941,645
94$12,815,694$0$0$7,568,225
95$13,974,792$0$0$8,256,149
96$15,247,453$0$0$9,011,595
97$16,645,113$0$0$9,841,366
98$18,180,370$0$0$10,752,958
99$19,867,104$0$0$11,754,626
100$21,720,603$0$0$12,855,468