Can I retire at age 52 with 715,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $715,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$59,044$58,518$58,005$57,504$57,015$55,524
2 years$29,230$28,685$28,158$27,646$27,150$25,658
3 years$19,293$18,746$18,220$17,713$17,225$15,779
4 years$14,325$13,780$13,259$12,761$12,285$10,896
5 years$11,346$10,804$10,290$9,802$9,339$8,010
6 years$9,360$8,822$8,316$7,839$7,390$6,123
7 years$7,942$7,409$6,910$6,445$6,010$4,805
8 years$6,879$6,351$5,861$5,406$4,986$3,842
9 years$6,053$5,530$5,048$4,605$4,199$3,116
10 years$5,392$4,874$4,401$3,969$3,577$2,554
11 years$4,852$4,339$3,874$3,455$3,077$2,110
12 years$4,402$3,895$3,438$3,030$2,666$1,756
13 years$4,022$3,519$3,072$2,675$2,325$1,468
14 years$3,696$3,199$2,760$2,375$2,038$1,234
15 years$3,414$2,922$2,492$2,118$1,794$1,040
16 years$3,168$2,681$2,259$1,896$1,586$879
17 years$2,950$2,469$2,056$1,704$1,406$745
18 years$2,757$2,282$1,877$1,535$1,250$633
19 years$2,585$2,115$1,718$1,387$1,114$538
20 years$2,430$1,965$1,577$1,257$995$459
21 years$2,290$1,830$1,450$1,140$891$391
22 years$2,163$1,709$1,337$1,037$799$334
23 years$2,047$1,598$1,234$944$717$286
24 years$1,941$1,497$1,141$861$644$244
25 years$1,843$1,405$1,057$787$580$209
26 years$1,754$1,321$981$719$522$179
27 years$1,671$1,243$911$658$471$153
28 years$1,594$1,171$846$603$425$131
29 years$1,522$1,105$788$553$384$113
30 years$1,455$1,043$734$508$347$97
31 years$1,393$986$684$466$313$83
32 years$1,335$933$638$428$283$71
33 years$1,280$884$596$394$257$61
34 years$1,229$838$557$363$232$52
35 years$1,181$795$521$334$210$45
36 years$1,136$754$487$307$191$39
37 years$1,093$716$456$283$173$33
38 years$1,052$681$427$261$157$28
39 years$1,014$647$400$241$142$24
40 years$978$616$375$222$129$21
41 years$943$586$351$205$117$18
42 years$910$558$330$189$106$15
43 years$879$532$309$174$96$13
44 years$850$507$290$161$87$11
45 years$821$484$273$149$79$10
46 years$794$461$256$137$72$8
47 years$769$440$241$127$65$7
48 years$744$420$226$117$59$6
49 years$721$401$213$108$54$5
50 years$698$383$200$100$49$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $715,000, adding $4,279 every year, while hoping to spend $33,678 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: 63/23/14 Blend
51$715,000$715,000$715,000$715,000
52$792,344$754,449$743,366$839,322
53$837,330$755,584$732,436$872,475
54$885,775$755,645$720,011$904,416
55$937,998$754,546$706,005$938,474
56$994,347$752,191$690,329$974,855
57$1,055,205$748,483$672,889$1,013,787
58$1,120,992$743,315$653,587$1,055,523
59$1,192,171$736,575$632,320$1,100,343
60$1,269,251$728,146$608,981$1,148,555
61$1,352,791$717,901$583,458$1,200,501
62$1,443,405$705,708$555,634$1,256,559
63$1,541,769$691,425$525,385$1,317,147
64$1,648,628$674,903$492,583$1,382,725
65$1,764,799$655,984$457,096$1,453,806
66$1,891,181$634,500$418,781$1,530,952
67$2,028,765$610,274$377,494$1,614,788
68$2,178,640$583,118$333,081$1,706,002
69$2,342,005$552,835$285,383$1,805,356
70$2,520,179$519,214$234,233$1,913,692
71$2,714,615$482,033$179,457$2,031,938
72$2,926,911$441,057$120,874$2,161,122
73$3,158,826$396,039$58,293$2,302,378
74$3,412,297$346,716$0$2,456,960
75$3,689,458$292,811$0$2,627,519
76$3,992,655$234,032$0$2,823,691
77$4,324,476$170,069$0$3,038,480
78$4,687,766$100,596$0$3,273,783
79$5,085,661$25,268$0$3,531,693
80$5,521,613$0$0$3,814,519
81$5,999,424$0$0$4,139,052
82$6,523,282$0$0$4,501,923
83$7,097,799$0$0$4,899,939
84$7,728,055$0$0$5,336,626
85$8,419,645$0$0$5,815,866
86$9,178,732$0$0$6,341,939
87$10,012,104$0$0$6,919,556
88$10,927,241$0$0$7,553,908
89$11,932,379$0$0$8,250,713
90$13,036,594$0$0$9,016,271
91$14,249,883$0$0$9,857,522
92$15,583,259$0$0$10,782,111
93$17,048,857$0$0$11,798,460
94$18,660,043$0$0$12,915,848
95$20,431,543$0$0$14,144,500
96$22,379,585$0$0$15,495,677
97$24,522,044$0$0$16,981,791
98$26,878,615$0$0$18,616,514
99$29,470,999$0$0$20,414,909
100$32,323,105$0$0$22,393,575