Can I retire at age 52 with 717,000?

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 $717,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$59,209$58,682$58,167$57,665$57,175$55,212
2 years$29,311$28,766$28,237$27,724$27,226$25,269
3 years$19,347$18,799$18,271$17,763$17,273$15,383
4 years$14,366$13,819$13,297$12,797$12,319$10,510
5 years$11,378$10,834$10,319$9,829$9,365$7,642
6 years$9,386$8,847$8,339$7,861$7,410$5,774
7 years$7,964$7,430$6,930$6,463$6,027$4,478
8 years$6,898$6,369$5,877$5,421$5,000$3,537
9 years$6,070$5,545$5,062$4,618$4,210$2,831
10 years$5,407$4,888$4,413$3,981$3,587$2,290
11 years$4,866$4,351$3,885$3,464$3,085$1,867
12 years$4,415$3,905$3,448$3,039$2,674$1,532
13 years$4,033$3,529$3,081$2,683$2,331$1,263
14 years$3,707$3,208$2,768$2,381$2,044$1,046
15 years$3,424$2,931$2,499$2,124$1,800$869
16 years$3,177$2,689$2,266$1,902$1,590$723
17 years$2,959$2,476$2,062$1,709$1,410$604
18 years$2,765$2,288$1,882$1,540$1,254$505
19 years$2,592$2,121$1,723$1,391$1,118$423
20 years$2,437$1,971$1,581$1,260$998$355
21 years$2,296$1,836$1,454$1,144$893$298
22 years$2,169$1,713$1,340$1,040$801$250
23 years$2,053$1,603$1,238$947$719$210
24 years$1,946$1,501$1,145$864$646$177
25 years$1,849$1,409$1,060$789$581$149
26 years$1,758$1,324$983$721$524$125
27 years$1,675$1,246$913$660$472$106
28 years$1,598$1,174$849$605$426$89
29 years$1,526$1,108$790$555$385$75
30 years$1,460$1,046$736$509$348$63
31 years$1,397$989$686$468$314$53
32 years$1,339$936$640$430$284$45
33 years$1,284$886$598$395$257$38
34 years$1,233$840$558$364$233$32
35 years$1,184$797$522$335$211$27
36 years$1,139$756$488$308$191$23
37 years$1,096$718$457$284$173$19
38 years$1,055$683$428$262$157$16
39 years$1,017$649$401$241$142$14
40 years$980$618$376$223$129$12
41 years$946$588$352$205$117$10
42 years$913$560$331$190$106$8
43 years$882$533$310$175$97$7
44 years$852$508$291$162$88$6
45 years$824$485$273$149$80$5
46 years$797$463$257$138$72$4
47 years$771$441$241$127$66$4
48 years$746$421$227$118$60$3
49 years$723$402$213$109$54$2
50 years$700$384$200$101$49$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $717,000, adding $3,670 every year, while hoping to spend $31,915 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: 74/11/15 Blend
51$717,000$717,000$717,000$717,000
52$793,920$755,919$744,805$849,789
53$840,942$759,001$735,799$890,337
54$891,691$761,165$725,421$930,454
55$946,513$762,332$713,592$973,556
56$1,005,789$762,418$700,229$1,019,931
57$1,069,937$761,334$685,245$1,069,895
58$1,139,418$758,986$668,547$1,123,799
59$1,214,736$755,274$650,041$1,182,030
60$1,296,448$750,092$629,626$1,245,013
61$1,385,166$743,326$607,199$1,313,217
62$1,481,562$734,859$582,650$1,387,161
63$1,586,377$724,562$555,864$1,467,416
64$1,700,424$712,302$526,722$1,554,612
65$1,824,599$697,937$495,099$1,649,444
66$1,959,889$681,316$460,865$1,752,678
67$2,107,377$662,280$423,883$1,865,159
68$2,268,257$640,660$384,011$1,987,820
69$2,443,844$616,277$341,101$2,121,688
70$2,635,584$588,942$294,995$2,267,898
71$2,845,070$558,456$245,533$2,427,699
72$3,074,053$524,607$192,545$2,602,470
73$3,324,464$487,171$135,853$2,793,733
74$3,598,429$445,911$75,273$3,003,164
75$3,898,286$400,578$10,612$3,232,613
76$4,226,612$350,908$0$3,484,119
77$4,586,245$296,621$0$3,769,277
78$4,980,309$237,422$0$4,083,641
79$5,412,244$172,999$0$4,428,282
80$5,885,842$103,024$0$4,806,251
81$6,405,274$27,150$0$5,220,912
82$6,975,140$0$0$5,675,972
83$7,600,503$0$0$6,182,171
84$8,286,941$0$0$6,741,447
85$9,040,598$0$0$7,355,523
86$9,868,242$0$0$8,029,917
87$10,777,329$0$0$8,770,710
88$11,776,072$0$0$9,584,599
89$12,873,520$0$0$10,478,962
90$14,079,641$0$0$11,461,926
91$15,405,417$0$0$12,542,448
92$16,862,946$0$0$13,730,392
93$18,465,557$0$0$15,036,628
94$20,227,936$0$0$16,473,130
95$22,166,263$0$0$18,053,093
96$24,298,364$0$0$19,791,053
97$26,643,880$0$0$21,703,026
98$29,224,452$0$0$23,806,658
99$32,063,924$0$0$26,121,394
100$35,188,567$0$0$28,668,656