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%13.3%
1 years$59,209$58,682$58,167$57,665$57,175$56,390
2 years$29,311$28,766$28,237$27,724$27,226$26,437
3 years$19,347$18,799$18,271$17,763$17,273$16,504
4 years$14,366$13,819$13,297$12,797$12,319$11,576
5 years$11,378$10,834$10,319$9,829$9,365$8,650
6 years$9,386$8,847$8,339$7,861$7,410$6,724
7 years$7,964$7,430$6,930$6,463$6,027$5,370
8 years$6,898$6,369$5,877$5,421$5,000$4,372
9 years$6,070$5,545$5,062$4,618$4,210$3,612
10 years$5,407$4,888$4,413$3,981$3,587$3,017
11 years$4,866$4,351$3,885$3,464$3,085$2,543
12 years$4,415$3,905$3,448$3,039$2,674$2,158
13 years$4,033$3,529$3,081$2,683$2,331$1,843
14 years$3,707$3,208$2,768$2,381$2,044$1,581
15 years$3,424$2,931$2,499$2,124$1,800$1,362
16 years$3,177$2,689$2,266$1,902$1,590$1,177
17 years$2,959$2,476$2,062$1,709$1,410$1,020
18 years$2,765$2,288$1,882$1,540$1,254$886
19 years$2,592$2,121$1,723$1,391$1,118$771
20 years$2,437$1,971$1,581$1,260$998$673
21 years$2,296$1,836$1,454$1,144$893$587
22 years$2,169$1,713$1,340$1,040$801$514
23 years$2,053$1,603$1,238$947$719$450
24 years$1,946$1,501$1,145$864$646$394
25 years$1,849$1,409$1,060$789$581$346
26 years$1,758$1,324$983$721$524$304
27 years$1,675$1,246$913$660$472$267
28 years$1,598$1,174$849$605$426$234
29 years$1,526$1,108$790$555$385$206
30 years$1,460$1,046$736$509$348$181
31 years$1,397$989$686$468$314$160
32 years$1,339$936$640$430$284$141
33 years$1,284$886$598$395$257$124
34 years$1,233$840$558$364$233$109
35 years$1,184$797$522$335$211$96
36 years$1,139$756$488$308$191$85
37 years$1,096$718$457$284$173$75
38 years$1,055$683$428$262$157$66
39 years$1,017$649$401$241$142$58
40 years$980$618$376$223$129$51
41 years$946$588$352$205$117$45
42 years$913$560$331$190$106$40
43 years$882$533$310$175$97$35
44 years$852$508$291$162$88$31
45 years$824$485$273$149$80$27
46 years$797$463$257$138$72$24
47 years$771$441$241$127$66$21
48 years$746$421$227$118$60$19
49 years$723$402$213$109$54$17
50 years$700$384$200$101$49$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $717,000, adding $3,761 every year, while hoping to spend $50,074 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: 69/18/13 Blend
51$717,000$717,000$717,000$717,000
52$794,013$756,012$744,899$846,259
53$821,724$739,779$716,575$865,235
54$850,584$721,071$685,623$879,628
55$880,656$699,716$651,904$894,076
56$912,009$675,529$615,269$908,577
57$944,719$648,314$575,566$923,130
58$978,865$617,866$532,632$937,735
59$1,014,534$583,967$486,300$952,395
60$1,051,820$546,385$436,394$967,114
61$1,090,824$504,876$382,732$981,898
62$1,131,655$459,182$325,121$996,757
63$1,174,433$409,031$263,361$1,011,702
64$1,219,285$354,133$197,244$1,026,750
65$1,266,352$294,186$126,551$1,041,918
66$1,315,784$228,865$51,055$1,057,232
67$1,367,747$157,833$0$1,072,721
68$1,422,420$80,729$0$1,092,513
69$1,479,996$0$0$1,120,380
70$1,540,689$0$0$1,149,879
71$1,604,729$0$0$1,197,893
72$1,672,369$0$0$1,248,622
73$1,743,882$0$0$1,302,274
74$1,819,568$0$0$1,359,077
75$1,899,756$0$0$1,419,279
76$1,984,803$0$0$1,483,151
77$2,075,100$0$0$1,550,990
78$2,171,074$0$0$1,623,120
79$2,273,193$0$0$1,699,896
80$2,381,969$0$0$1,781,707
81$2,497,964$0$0$1,868,978
82$2,621,790$0$0$1,962,175
83$2,754,121$0$0$2,061,808
84$2,895,695$0$0$2,168,438
85$3,047,319$0$0$2,282,679
86$3,209,882$0$0$2,405,203
87$3,384,356$0$0$2,536,750
88$3,571,808$0$0$2,678,131
89$3,773,412$0$0$2,830,236
90$3,990,453$0$0$2,994,042
91$4,224,346$0$0$3,170,622
92$4,476,642$0$0$3,361,156
93$4,749,047$0$0$3,566,939
94$5,043,434$0$0$3,789,395
95$5,361,863$0$0$4,030,087
96$5,706,598$0$0$4,290,738
97$6,080,127$0$0$4,573,236
98$6,485,187$0$0$4,879,661
99$6,924,787$0$0$5,212,301
100$7,402,237$0$0$5,573,669