Can I retire at age 52 with 680,000?

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 $680,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$56,154$55,654$55,166$54,689$54,224$53,458
2 years$27,799$27,281$26,779$26,293$25,821$25,051
3 years$18,349$17,829$17,328$16,846$16,382$15,631
4 years$13,624$13,106$12,610$12,137$11,684$10,958
5 years$10,790$10,275$9,786$9,322$8,882$8,184
6 years$8,902$8,390$7,909$7,455$7,028$6,359
7 years$7,553$7,046$6,572$6,129$5,716$5,075
8 years$6,542$6,040$5,574$5,142$4,742$4,130
9 years$5,757$5,259$4,801$4,379$3,993$3,409
10 years$5,128$4,635$4,185$3,775$3,402$2,846
11 years$4,615$4,127$3,685$3,286$2,926$2,397
12 years$4,187$3,704$3,270$2,882$2,536$2,034
13 years$3,825$3,347$2,922$2,544$2,211$1,735
14 years$3,515$3,043$2,625$2,258$1,938$1,488
15 years$3,247$2,779$2,370$2,014$1,707$1,280
16 years$3,013$2,550$2,149$1,803$1,508$1,106
17 years$2,806$2,348$1,955$1,620$1,337$958
18 years$2,622$2,170$1,785$1,460$1,189$831
19 years$2,459$2,011$1,634$1,320$1,060$723
20 years$2,311$1,869$1,500$1,195$947$630
21 years$2,178$1,741$1,379$1,085$847$550
22 years$2,057$1,625$1,271$986$759$481
23 years$1,947$1,520$1,174$898$682$421
24 years$1,846$1,424$1,086$819$613$368
25 years$1,753$1,336$1,005$748$551$323
26 years$1,668$1,256$933$684$497$283
27 years$1,589$1,182$866$626$448$249
28 years$1,516$1,114$805$574$404$218
29 years$1,448$1,051$749$526$365$192
30 years$1,384$992$698$483$330$169
31 years$1,325$938$651$443$298$148
32 years$1,270$888$607$407$270$130
33 years$1,218$841$567$375$244$115
34 years$1,169$797$530$345$221$101
35 years$1,123$756$495$317$200$89
36 years$1,080$717$463$292$181$78
37 years$1,039$681$433$269$164$69
38 years$1,001$647$406$248$149$61
39 years$964$616$380$229$135$54
40 years$930$586$356$211$123$47
41 years$897$558$334$195$111$42
42 years$866$531$314$180$101$37
43 years$836$506$294$166$92$32
44 years$808$482$276$153$83$28
45 years$781$460$259$141$75$25
46 years$755$439$244$131$68$22
47 years$731$419$229$121$62$19
48 years$708$400$215$112$56$17
49 years$685$382$202$103$51$15
50 years$664$365$190$95$47$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $680,000, adding $4,528 every year, while hoping to spend $51,628 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: 43/34/23 Blend
51$680,000$680,000$680,000$680,000
52$754,031$717,991$707,451$781,229
53$776,010$698,240$676,218$781,243
54$798,501$675,792$642,210$775,928
55$821,501$650,459$605,277$769,134
56$845,006$622,043$565,265$760,752
57$869,009$590,336$522,015$750,666
58$893,502$555,117$475,356$738,754
59$918,473$516,151$425,114$724,884
60$943,906$473,191$371,104$708,917
61$969,784$425,977$313,135$690,708
62$996,083$374,231$251,007$670,097
63$1,022,778$317,663$184,510$646,920
64$1,049,836$255,963$113,425$621,000
65$1,077,220$188,805$37,526$592,148
66$1,104,886$115,847$0$560,165
67$1,132,785$36,724$0$535,508
68$1,160,859$0$0$517,803
69$1,189,040$0$0$515,967
70$1,217,255$0$0$527,841
71$1,245,415$0$0$539,643
72$1,273,423$0$0$551,324
73$1,301,170$0$0$562,831
74$1,328,528$0$0$574,102
75$1,355,359$0$0$585,070
76$1,381,503$0$0$595,657
77$1,406,782$0$0$605,778
78$1,430,998$0$0$615,336
79$1,453,926$0$0$624,224
80$1,475,317$0$0$632,322
81$1,494,893$0$0$639,494
82$1,512,341$0$0$645,593
83$1,527,316$0$0$650,451
84$1,539,431$0$0$653,884
85$1,548,256$0$0$655,684
86$1,553,313$0$0$655,625
87$1,554,071$0$0$653,450
88$1,549,939$0$0$648,879
89$1,540,262$0$0$641,598
90$1,524,313$0$0$631,260
91$1,501,286$0$0$617,480
92$1,470,288$0$0$599,833
93$1,430,327$0$0$577,845
94$1,380,308$0$0$550,995
95$1,319,016$0$0$518,704
96$1,245,106$0$0$480,332
97$1,157,091$0$0$435,171
98$1,053,326$0$0$382,437
99$931,990$0$0$321,265
100$791,071$0$0$250,698