Can I retire at age 51 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$60,035$59,500$58,978$58,469$57,972$57,558
2 years$29,720$29,167$28,630$28,110$27,606$27,189
3 years$19,617$19,061$18,526$18,010$17,514$17,107
4 years$14,566$14,012$13,482$12,976$12,491$12,096
5 years$11,536$10,985$10,463$9,966$9,496$9,114
6 years$9,517$8,970$8,455$7,970$7,514$7,147
7 years$8,075$7,533$7,026$6,553$6,111$5,758
8 years$6,995$6,457$5,959$5,497$5,069$4,731
9 years$6,155$5,622$5,132$4,682$4,269$3,945
10 years$5,483$4,956$4,475$4,036$3,637$3,328
11 years$4,934$4,412$3,939$3,513$3,128$2,833
12 years$4,476$3,960$3,496$3,081$2,711$2,429
13 years$4,089$3,579$3,124$2,720$2,364$2,095
14 years$3,758$3,253$2,806$2,415$2,072$1,817
15 years$3,472$2,972$2,534$2,153$1,825$1,582
16 years$3,221$2,726$2,297$1,928$1,613$1,382
17 years$3,000$2,511$2,090$1,732$1,430$1,211
18 years$2,804$2,320$1,908$1,561$1,271$1,064
19 years$2,628$2,150$1,747$1,411$1,133$937
20 years$2,471$1,998$1,603$1,278$1,012$827
21 years$2,328$1,861$1,475$1,160$906$731
22 years$2,199$1,737$1,359$1,054$812$647
23 years$2,081$1,625$1,255$960$729$574
24 years$1,973$1,522$1,161$876$655$509
25 years$1,874$1,429$1,075$800$589$452
26 years$1,783$1,343$997$731$531$402
27 years$1,699$1,264$926$669$479$358
28 years$1,620$1,191$861$613$432$318
29 years$1,548$1,123$801$562$390$284
30 years$1,480$1,061$746$516$352$253
31 years$1,417$1,003$695$474$319$225
32 years$1,357$949$649$436$288$201
33 years$1,302$899$606$401$261$179
34 years$1,250$852$566$369$236$160
35 years$1,201$808$529$339$214$143
36 years$1,155$767$495$312$194$128
37 years$1,111$728$463$288$176$114
38 years$1,070$692$434$265$159$102
39 years$1,031$658$407$245$144$91
40 years$994$626$381$226$131$82
41 years$959$596$357$208$119$73
42 years$926$568$335$192$108$65
43 years$894$541$315$177$98$58
44 years$864$516$295$164$89$52
45 years$835$492$277$151$81$47
46 years$808$469$260$140$73$42
47 years$782$448$245$129$66$37
48 years$757$427$230$119$60$33
49 years$733$408$216$110$55$30
50 years$710$390$203$102$50$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $727,000, adding $6,938 every year, while hoping to spend $24,349 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: 77/17/6 Blend
50$727,000$727,000$727,000$727,000
51$808,311$769,780$758,511$869,558
52$864,851$781,592$758,014$922,549
53$926,343$793,166$756,684$976,781
54$993,265$804,467$754,468$1,035,520
55$1,066,144$815,452$751,310$1,099,202
56$1,145,562$826,080$747,149$1,168,308
57$1,232,157$836,305$741,926$1,243,368
58$1,326,631$846,079$735,575$1,324,967
59$1,429,758$855,348$728,028$1,413,747
60$1,542,391$864,057$719,214$1,510,417
61$1,665,466$872,147$709,059$1,615,758
62$1,800,016$879,555$697,485$1,730,628
63$1,947,178$886,213$684,411$1,855,976
64$2,108,202$892,049$669,751$1,992,845
65$2,284,466$896,988$653,415$2,142,385
66$2,477,489$900,947$635,311$2,305,864
67$2,688,939$903,840$615,341$2,484,678
68$2,920,658$905,575$593,402$2,680,365
69$3,174,672$906,055$569,388$2,894,622
70$3,453,213$905,176$543,186$3,129,317
71$3,758,739$902,828$514,681$3,386,508
72$4,093,957$898,893$483,750$3,668,465
73$4,461,850$893,249$450,265$3,977,689
74$4,865,703$885,762$414,093$4,316,935
75$5,309,135$876,294$375,095$4,689,241
76$5,796,131$864,697$333,125$5,097,954
77$6,331,082$850,813$288,031$5,546,763
78$6,918,827$834,477$239,654$6,039,732
79$7,564,694$815,513$187,829$6,581,343
80$8,274,554$793,735$132,383$7,176,533
81$9,054,875$768,944$73,134$7,830,745
82$9,912,783$740,933$9,895$8,549,975
83$10,856,128$709,480$0$9,340,835
84$11,893,559$674,351$0$10,214,296
85$13,034,608$635,299$0$11,175,616
86$14,289,772$592,063$0$12,233,024
87$15,670,620$544,366$0$13,396,286
88$17,189,899$491,915$0$14,676,166
89$18,861,651$434,402$0$16,084,525
90$20,701,352$371,500$0$17,634,437
91$22,726,049$302,863$0$19,340,305
92$24,954,531$228,128$0$21,218,007
93$27,407,496$146,909$0$23,285,038
94$30,107,753$58,800$0$25,560,680
95$33,080,434$0$0$28,066,181
96$36,353,232$0$0$30,831,813
97$39,956,661$0$0$33,888,982
98$43,924,345$0$0$37,255,222
99$48,293,333$0$0$40,961,968
100$53,104,453$0$0$45,043,865