Can I retire at age 52 with 682,000?

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 $682,000?

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%
1 years$56,319$55,817$55,328$54,850$54,384$53,905
2 years$27,881$27,361$26,858$26,370$25,897$25,415
3 years$18,402$17,881$17,379$16,896$16,430$15,960
4 years$13,664$13,144$12,647$12,172$11,718$11,262
5 years$10,822$10,305$9,815$9,350$8,908$8,468
6 years$8,928$8,415$7,932$7,477$7,049$6,626
7 years$7,576$7,067$6,591$6,147$5,732$5,327
8 years$6,562$6,058$5,590$5,157$4,756$4,367
9 years$5,774$5,274$4,815$4,392$4,005$3,633
10 years$5,143$4,649$4,198$3,786$3,412$3,057
11 years$4,628$4,139$3,696$3,295$2,935$2,596
12 years$4,199$3,715$3,280$2,890$2,543$2,220
13 years$3,836$3,357$2,930$2,552$2,218$1,910
14 years$3,526$3,051$2,633$2,265$1,944$1,652
15 years$3,257$2,788$2,377$2,020$1,712$1,434
16 years$3,022$2,558$2,155$1,809$1,513$1,250
17 years$2,814$2,355$1,961$1,625$1,341$1,092
18 years$2,630$2,177$1,790$1,465$1,193$957
19 years$2,466$2,017$1,639$1,323$1,063$841
20 years$2,318$1,874$1,504$1,199$950$740
21 years$2,184$1,746$1,383$1,088$850$652
22 years$2,063$1,630$1,275$989$762$575
23 years$1,952$1,524$1,177$901$684$508
24 years$1,851$1,428$1,089$822$615$450
25 years$1,758$1,340$1,008$750$553$398
26 years$1,673$1,260$935$686$498$353
27 years$1,593$1,185$868$628$449$313
28 years$1,520$1,117$807$575$405$278
29 years$1,452$1,054$751$528$366$247
30 years$1,388$995$700$484$331$219
31 years$1,329$941$652$445$299$195
32 years$1,273$890$609$409$270$173
33 years$1,221$843$568$376$245$154
34 years$1,172$799$531$346$222$137
35 years$1,127$758$497$318$201$122
36 years$1,083$719$464$293$182$109
37 years$1,042$683$435$270$165$97
38 years$1,004$649$407$249$149$86
39 years$967$617$381$230$135$77
40 years$932$587$358$212$123$68
41 years$900$559$335$195$111$61
42 years$868$533$314$180$101$54
43 years$839$507$295$166$92$48
44 years$810$484$277$154$83$43
45 years$783$461$260$142$76$38
46 years$758$440$244$131$69$34
47 years$733$420$229$121$62$31
48 years$710$401$216$112$57$27
49 years$687$383$203$103$51$24
50 years$666$366$191$96$47$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $682,000, adding $6,818 every year, while hoping to spend $37,911 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: 69/6/25 Blend
51$682,000$682,000$682,000$682,000
52$758,597$722,451$711,880$805,650
53$795,637$717,514$695,391$833,113
54$835,184$711,064$677,079$858,151
55$877,454$702,988$656,843$884,663
56$922,685$693,165$634,577$912,794
57$971,134$681,465$610,170$942,705
58$1,023,086$667,754$583,508$974,575
59$1,078,854$651,887$554,468$1,008,599
60$1,138,780$633,712$522,926$1,044,997
61$1,203,239$613,067$488,748$1,084,009
62$1,272,645$589,783$451,796$1,125,904
63$1,347,451$563,678$411,927$1,170,978
64$1,428,154$534,562$368,990$1,219,558
65$1,515,302$502,231$322,827$1,272,007
66$1,609,495$466,473$273,274$1,328,726
67$1,711,394$427,061$220,160$1,390,160
68$1,821,726$383,756$163,304$1,456,798
69$1,941,288$336,307$102,521$1,529,185
70$2,070,958$284,445$37,615$1,607,920
71$2,211,702$227,889$0$1,693,667
72$2,364,582$166,341$0$1,795,603
73$2,530,765$99,487$0$1,917,353
74$2,711,535$26,995$0$2,049,827
75$2,908,307$0$0$2,194,078
76$3,122,636$0$0$2,354,665
77$3,356,234$0$0$2,531,667
78$3,610,984$0$0$2,724,733
79$3,888,960$0$0$2,935,439
80$4,192,443$0$0$3,165,519
81$4,523,945$0$0$3,416,884
82$4,886,234$0$0$3,691,635
83$5,282,352$0$0$3,992,087
84$5,715,652$0$0$4,320,788
85$6,189,826$0$0$4,680,544
86$6,708,938$0$0$5,074,445
87$7,277,463$0$0$5,505,893
88$7,900,331$0$0$5,978,635
89$8,582,969$0$0$6,496,798
90$9,331,355$0$0$7,064,926
91$10,152,074$0$0$7,688,025
92$11,052,377$0$0$8,371,608
93$12,040,252$0$0$9,121,748
94$13,124,497$0$0$9,945,133
95$14,314,803$0$0$10,849,132
96$15,621,846$0$0$11,841,862
97$17,057,386$0$0$12,932,262
98$18,634,378$0$0$14,130,183
99$20,367,093$0$0$15,446,476
100$22,271,253$0$0$16,893,093