Can I retire at age 52 with 701,000?

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 $701,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$57,888$57,372$56,869$56,378$55,899$54,023
2 years$28,657$28,124$27,606$27,105$26,618$24,747
3 years$18,915$18,379$17,863$17,366$16,888$15,080
4 years$14,045$13,511$13,000$12,511$12,045$10,313
5 years$11,124$10,592$10,088$9,610$9,156$7,507
6 years$9,177$8,650$8,153$7,685$7,245$5,678
7 years$7,787$7,264$6,775$6,318$5,892$4,408
8 years$6,745$6,226$5,746$5,300$4,888$3,486
9 years$5,934$5,421$4,949$4,515$4,116$2,794
10 years$5,287$4,779$4,315$3,892$3,507$2,263
11 years$4,757$4,254$3,798$3,387$3,016$1,848
12 years$4,316$3,818$3,371$2,971$2,614$1,518
13 years$3,943$3,451$3,012$2,623$2,279$1,253
14 years$3,624$3,136$2,706$2,328$1,998$1,039
15 years$3,347$2,865$2,443$2,076$1,759$864
16 years$3,106$2,629$2,215$1,859$1,555$721
17 years$2,893$2,421$2,016$1,670$1,379$603
18 years$2,703$2,237$1,840$1,505$1,226$505
19 years$2,534$2,073$1,685$1,360$1,093$423
20 years$2,382$1,927$1,546$1,232$976$355
21 years$2,245$1,795$1,422$1,118$873$299
22 years$2,121$1,675$1,311$1,017$783$251
23 years$2,007$1,567$1,210$926$703$212
24 years$1,903$1,468$1,119$844$632$178
25 years$1,807$1,378$1,037$771$568$150
26 years$1,719$1,295$961$705$512$127
27 years$1,638$1,219$893$645$462$107
28 years$1,562$1,148$830$591$417$90
29 years$1,492$1,083$772$542$376$76
30 years$1,427$1,023$719$498$340$64
31 years$1,366$967$671$457$307$54
32 years$1,309$915$626$420$278$46
33 years$1,255$867$584$386$252$39
34 years$1,205$821$546$355$228$33
35 years$1,158$779$510$327$206$28
36 years$1,113$739$477$301$187$23
37 years$1,071$702$447$278$169$20
38 years$1,032$667$418$256$154$17
39 years$994$635$392$236$139$14
40 years$958$604$367$218$126$12
41 years$925$575$345$201$115$10
42 years$892$547$323$185$104$9
43 years$862$522$303$171$94$7
44 years$833$497$285$158$86$6
45 years$805$474$267$146$78$5
46 years$779$452$251$135$71$4
47 years$754$432$236$124$64$4
48 years$729$412$222$115$58$3
49 years$706$393$208$106$53$3
50 years$684$376$196$98$48$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $701,000, adding $4,936 every year, while hoping to spend $43,281 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: 60/18/22 Blend
51$701,000$701,000$701,000$701,000
52$777,593$740,440$729,575$819,444
53$810,857$730,671$707,965$838,638
54$846,064$718,973$684,181$854,412
55$883,365$705,205$658,103$870,662
56$922,927$689,219$629,609$887,443
57$964,932$670,858$598,568$904,816
58$1,009,580$649,955$564,844$922,849
59$1,057,088$626,334$528,298$941,623
60$1,107,695$599,808$488,779$961,225
61$1,161,661$570,179$446,135$981,757
62$1,219,273$537,240$400,202$1,003,330
63$1,280,843$500,770$350,814$1,026,073
64$1,346,716$460,534$297,792$1,050,128
65$1,417,267$416,286$240,955$1,075,657
66$1,492,909$367,766$180,108$1,102,838
67$1,574,097$314,697$115,052$1,131,875
68$1,661,326$256,788$45,578$1,162,993
69$1,755,143$193,732$0$1,196,447
70$1,856,146$125,204$0$1,239,223
71$1,964,994$50,860$0$1,296,787
72$2,082,409$0$0$1,358,838
73$2,209,186$0$0$1,431,703
74$2,346,197$0$0$1,521,381
75$2,494,401$0$0$1,618,430
76$2,654,851$0$0$1,723,548
77$2,828,707$0$0$1,837,498
78$3,017,243$0$0$1,961,124
79$3,221,860$0$0$2,095,349
80$3,444,098$0$0$2,241,192
81$3,685,654$0$0$2,399,774
82$3,948,391$0$0$2,572,325
83$4,234,362$0$0$2,760,200
84$4,545,824$0$0$2,964,893
85$4,885,261$0$0$3,188,043
86$5,255,407$0$0$3,431,458
87$5,659,272$0$0$3,697,125
88$6,100,166$0$0$3,987,234
89$6,581,737$0$0$4,304,193
90$7,107,997$0$0$4,650,656
91$7,683,367$0$0$5,029,542
92$8,312,710$0$0$5,444,066
93$9,001,383$0$0$5,897,770
94$9,755,286$0$0$6,394,551
95$10,580,914$0$0$6,938,703
96$11,485,419$0$0$7,534,954
97$12,476,678$0$0$8,188,510
98$13,563,369$0$0$8,905,106
99$14,755,045$0$0$9,691,058
100$16,062,231$0$0$10,553,322