Can I retire at age 52 with 681,000?

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 $681,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$56,236$55,735$55,247$54,770$54,304$53,849
2 years$27,840$27,321$26,819$26,332$25,859$25,400
3 years$18,375$17,855$17,354$16,871$16,406$15,958
4 years$13,644$13,125$12,629$12,155$11,701$11,267
5 years$10,806$10,290$9,801$9,336$8,895$8,476
6 years$8,915$8,403$7,920$7,466$7,038$6,636
7 years$7,564$7,057$6,582$6,138$5,724$5,337
8 years$6,552$6,049$5,582$5,149$4,749$4,378
9 years$5,765$5,267$4,808$4,386$3,999$3,644
10 years$5,136$4,642$4,191$3,781$3,407$3,069
11 years$4,621$4,133$3,690$3,290$2,930$2,607
12 years$4,193$3,709$3,275$2,886$2,539$2,231
13 years$3,831$3,352$2,926$2,548$2,214$1,921
14 years$3,521$3,047$2,629$2,262$1,941$1,662
15 years$3,252$2,783$2,374$2,017$1,709$1,444
16 years$3,017$2,554$2,152$1,806$1,511$1,260
17 years$2,810$2,352$1,958$1,623$1,339$1,102
18 years$2,626$2,173$1,788$1,462$1,191$966
19 years$2,462$2,014$1,636$1,321$1,061$849
20 years$2,315$1,872$1,502$1,197$948$747
21 years$2,181$1,743$1,381$1,086$848$659
22 years$2,060$1,627$1,273$988$761$582
23 years$1,950$1,522$1,176$899$683$515
24 years$1,849$1,426$1,087$820$614$456
25 years$1,756$1,338$1,007$749$552$404
26 years$1,670$1,258$934$685$497$358
27 years$1,591$1,184$867$627$448$318
28 years$1,518$1,115$806$574$405$282
29 years$1,450$1,052$750$527$365$251
30 years$1,386$994$699$483$330$223
31 years$1,327$939$651$444$298$198
32 years$1,272$889$608$408$270$177
33 years$1,220$842$568$375$244$157
34 years$1,171$798$530$345$221$140
35 years$1,125$757$496$318$200$125
36 years$1,082$718$464$293$182$111
37 years$1,041$682$434$270$165$99
38 years$1,002$648$407$249$149$88
39 years$966$616$381$229$135$79
40 years$931$587$357$211$123$70
41 years$898$558$335$195$111$63
42 years$867$532$314$180$101$56
43 years$837$507$295$166$92$50
44 years$809$483$277$153$83$44
45 years$782$461$260$142$76$40
46 years$757$439$244$131$69$35
47 years$732$419$229$121$62$32
48 years$709$400$215$112$57$28
49 years$686$382$202$103$51$25
50 years$665$365$190$95$47$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $681,000, adding $5,879 every year, while hoping to spend $31,728 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: 22/50/28 Blend
51$681,000$681,000$681,000$681,000
52$756,526$720,433$709,878$766,362
53$799,934$721,976$699,900$777,051
54$846,705$722,531$688,525$785,449
55$897,150$722,017$675,672$793,752
56$951,610$720,345$661,257$801,971
57$1,010,457$717,425$645,192$810,123
58$1,074,102$713,158$627,385$818,230
59$1,142,998$707,440$607,740$826,319
60$1,217,640$700,161$586,155$834,423
61$1,298,575$691,204$562,527$842,584
62$1,386,401$680,445$536,744$850,849
63$1,481,781$667,754$508,691$859,277
64$1,585,439$652,990$478,249$867,937
65$1,698,175$636,007$445,291$876,908
66$1,820,866$616,650$409,686$886,284
67$1,954,481$594,752$371,297$896,173
68$2,100,083$570,140$329,980$906,700
69$2,258,843$542,628$285,586$918,008
70$2,432,050$512,022$237,959$930,264
71$2,621,123$478,114$186,934$943,654
72$2,827,622$440,687$132,341$958,393
73$3,053,268$399,509$74,002$974,727
74$3,299,952$354,335$11,732$992,931
75$3,569,758$304,909$0$1,013,320
76$3,864,981$250,957$0$1,052,597
77$4,188,146$192,191$0$1,099,616
78$4,542,035$128,307$0$1,151,384
79$4,929,713$58,983$0$1,208,475
80$5,354,551$0$0$1,271,526
81$5,820,267$0$0$1,350,121
82$6,330,951$0$0$1,472,011
83$6,891,111$0$0$1,605,836
84$7,505,711$0$0$1,752,797
85$8,180,219$0$0$1,914,218
86$8,920,658$0$0$2,091,557
87$9,733,663$0$0$2,286,420
88$10,626,542$0$0$2,500,577
89$11,607,345$0$0$2,735,978
90$12,684,943$0$0$2,994,770
91$13,869,106$0$0$3,279,321
92$15,170,598$0$0$3,592,237
93$16,601,278$0$0$3,936,390
94$18,174,210$0$0$4,314,947
95$19,903,789$0$0$4,731,393
96$21,805,872$0$0$5,189,570
97$23,897,933$0$0$5,693,713
98$26,199,222$0$0$6,248,484
99$28,730,949$0$0$6,859,023
100$31,516,484$0$0$7,530,993