Can I retire at age 52 with 685,000?

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 $685,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$56,567$56,063$55,571$55,091$54,623$54,052
2 years$28,003$27,482$26,976$26,486$26,011$25,436
3 years$18,483$17,960$17,455$16,970$16,502$15,942
4 years$13,724$13,202$12,703$12,226$11,770$11,227
5 years$10,870$10,351$9,858$9,391$8,947$8,424
6 years$8,967$8,452$7,967$7,510$7,080$6,577
7 years$7,609$7,098$6,620$6,174$5,758$5,276
8 years$6,591$6,084$5,615$5,179$4,776$4,315
9 years$5,799$5,298$4,836$4,412$4,022$3,582
10 years$5,166$4,670$4,216$3,803$3,427$3,006
11 years$4,649$4,157$3,712$3,310$2,948$2,547
12 years$4,218$3,731$3,294$2,903$2,554$2,173
13 years$3,853$3,372$2,943$2,563$2,227$1,865
14 years$3,541$3,065$2,644$2,275$1,953$1,608
15 years$3,271$2,800$2,387$2,029$1,719$1,393
16 years$3,035$2,569$2,165$1,817$1,519$1,210
17 years$2,827$2,366$1,970$1,632$1,347$1,055
18 years$2,642$2,186$1,798$1,471$1,198$922
19 years$2,477$2,026$1,646$1,329$1,068$807
20 years$2,328$1,883$1,511$1,204$954$708
21 years$2,194$1,754$1,390$1,093$853$622
22 years$2,072$1,637$1,281$993$765$547
23 years$1,961$1,531$1,182$905$687$482
24 years$1,859$1,434$1,094$825$617$425
25 years$1,766$1,346$1,013$754$555$375
26 years$1,680$1,265$939$689$500$332
27 years$1,600$1,191$872$631$451$293
28 years$1,527$1,122$811$578$407$259
29 years$1,458$1,058$755$530$368$230
30 years$1,394$1,000$703$486$332$203
31 years$1,335$945$655$447$300$180
32 years$1,279$894$611$410$272$160
33 years$1,227$847$571$377$246$141
34 years$1,178$803$533$347$223$125
35 years$1,131$761$499$320$202$111
36 years$1,088$722$467$294$183$99
37 years$1,047$686$437$271$166$88
38 years$1,008$652$409$250$150$78
39 years$971$620$383$231$136$69
40 years$937$590$359$213$123$61
41 years$903$562$337$196$112$54
42 years$872$535$316$181$102$48
43 years$842$510$296$167$92$43
44 years$814$486$278$154$84$38
45 years$787$463$261$143$76$34
46 years$761$442$245$132$69$30
47 years$736$422$230$122$63$27
48 years$713$403$217$112$57$24
49 years$690$384$204$104$52$21
50 years$669$367$191$96$47$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $685,000, adding $3,999 every year, while hoping to spend $40,911 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: 43/40/17 Blend
51$685,000$685,000$685,000$685,000
52$758,995$722,690$712,072$787,720
53$792,883$714,573$692,398$800,212
54$828,857$704,687$670,693$809,391
55$867,086$692,902$646,847$818,470
56$907,756$679,081$620,743$827,457
57$951,069$663,077$592,259$836,365
58$997,247$644,738$561,270$845,215
59$1,046,535$623,898$527,640$854,028
60$1,099,198$600,386$491,233$862,835
61$1,155,529$574,018$451,902$871,672
62$1,215,849$544,600$409,497$880,582
63$1,280,508$511,929$363,858$889,620
64$1,349,894$475,787$314,821$898,847
65$1,424,428$435,945$262,212$908,339
66$1,504,575$392,162$205,852$918,181
67$1,590,845$344,181$145,551$928,476
68$1,683,797$291,733$81,114$939,340
69$1,784,048$234,531$12,334$950,909
70$1,892,272$172,274$0$963,341
71$2,009,212$104,643$0$987,889
72$2,135,683$31,303$0$1,016,789
73$2,272,583$0$0$1,048,078
74$2,420,897$0$0$1,103,239
75$2,581,709$0$0$1,178,057
76$2,756,211$0$0$1,259,320
77$2,945,713$0$0$1,347,645
78$3,151,659$0$0$1,443,716
79$3,375,634$0$0$1,548,283
80$3,619,384$0$0$1,662,170
81$3,884,828$0$0$1,786,287
82$4,174,080$0$0$1,921,632
83$4,489,465$0$0$2,069,307
84$4,833,543$0$0$2,230,523
85$5,209,130$0$0$2,406,612
86$5,619,328$0$0$2,599,042
87$6,067,550$0$0$2,809,429
88$6,557,556$0$0$3,039,552
89$7,093,482$0$0$3,291,370
90$7,679,885$0$0$3,567,039
91$8,321,781$0$0$3,868,935
92$9,024,695$0$0$4,199,674
93$9,794,709$0$0$4,562,135
94$10,638,525$0$0$4,959,491
95$11,563,519$0$0$5,395,236
96$12,577,819$0$0$5,873,218
97$13,690,374$0$0$6,397,676
98$14,911,043$0$0$6,973,278
99$16,250,684$0$0$7,605,167
100$17,721,258$0$0$8,299,009