Can I retire at age 52 with 717,000?

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 $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%19%
1 years$59,209$58,682$58,167$57,665$57,175$55,102
2 years$29,311$28,766$28,237$27,724$27,226$25,161
3 years$19,347$18,799$18,271$17,763$17,273$15,280
4 years$14,366$13,819$13,297$12,797$12,319$10,414
5 years$11,378$10,834$10,319$9,829$9,365$7,552
6 years$9,386$8,847$8,339$7,861$7,410$5,691
7 years$7,964$7,430$6,930$6,463$6,027$4,400
8 years$6,898$6,369$5,877$5,421$5,000$3,465
9 years$6,070$5,545$5,062$4,618$4,210$2,766
10 years$5,407$4,888$4,413$3,981$3,587$2,230
11 years$4,866$4,351$3,885$3,464$3,085$1,812
12 years$4,415$3,905$3,448$3,039$2,674$1,482
13 years$4,033$3,529$3,081$2,683$2,331$1,218
14 years$3,707$3,208$2,768$2,381$2,044$1,005
15 years$3,424$2,931$2,499$2,124$1,800$832
16 years$3,177$2,689$2,266$1,902$1,590$690
17 years$2,959$2,476$2,062$1,709$1,410$574
18 years$2,765$2,288$1,882$1,540$1,254$478
19 years$2,592$2,121$1,723$1,391$1,118$399
20 years$2,437$1,971$1,581$1,260$998$333
21 years$2,296$1,836$1,454$1,144$893$279
22 years$2,169$1,713$1,340$1,040$801$233
23 years$2,053$1,603$1,238$947$719$195
24 years$1,946$1,501$1,145$864$646$164
25 years$1,849$1,409$1,060$789$581$137
26 years$1,758$1,324$983$721$524$115
27 years$1,675$1,246$913$660$472$96
28 years$1,598$1,174$849$605$426$81
29 years$1,526$1,108$790$555$385$68
30 years$1,460$1,046$736$509$348$57
31 years$1,397$989$686$468$314$48
32 years$1,339$936$640$430$284$40
33 years$1,284$886$598$395$257$34
34 years$1,233$840$558$364$233$28
35 years$1,184$797$522$335$211$24
36 years$1,139$756$488$308$191$20
37 years$1,096$718$457$284$173$17
38 years$1,055$683$428$262$157$14
39 years$1,017$649$401$241$142$12
40 years$980$618$376$223$129$10
41 years$946$588$352$205$117$8
42 years$913$560$331$190$106$7
43 years$882$533$310$175$97$6
44 years$852$508$291$162$88$5
45 years$824$485$273$149$80$4
46 years$797$463$257$138$72$4
47 years$771$441$241$127$66$3
48 years$746$421$227$118$60$2
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 $4,156 every year, while hoping to spend $41,932 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: 61/16/23 Blend
51$717,000$717,000$717,000$717,000
52$794,421$756,420$745,306$837,813
53$830,837$748,869$725,659$860,157
54$869,561$739,543$703,948$879,572
55$910,786$728,310$680,060$899,833
56$954,721$715,032$653,876$921,031
57$1,001,594$699,560$625,273$943,264
58$1,051,657$681,740$594,120$966,645
59$1,105,186$661,405$560,283$991,300
60$1,162,482$638,380$523,619$1,017,367
61$1,223,876$612,482$483,982$1,045,004
62$1,289,731$583,513$441,215$1,074,386
63$1,360,446$551,267$395,157$1,105,705
64$1,436,457$515,525$345,640$1,139,181
65$1,518,244$476,054$292,488$1,175,054
66$1,606,334$432,610$235,516$1,213,595
67$1,701,307$384,934$174,532$1,255,103
68$1,803,797$332,753$109,335$1,299,912
69$1,914,503$275,777$39,717$1,348,393
70$2,034,193$213,701$0$1,400,960
71$2,163,710$146,201$0$1,466,557
72$2,303,982$72,939$0$1,548,161
73$2,456,028$0$0$1,636,640
74$2,620,969$0$0$1,733,819
75$2,800,040$0$0$1,853,310
76$2,994,594$0$0$1,983,182
77$3,206,126$0$0$2,124,438
78$3,436,275$0$0$2,278,179
79$3,686,847$0$0$2,445,618
80$3,959,831$0$0$2,628,092
81$4,257,412$0$0$2,827,067
82$4,581,997$0$0$3,044,162
83$4,936,235$0$0$3,281,155
84$5,323,042$0$0$3,540,007
85$5,745,627$0$0$3,822,872
86$6,207,525$0$0$4,132,126
87$6,712,625$0$0$4,470,383
88$7,265,212$0$0$4,840,520
89$7,870,001$0$0$5,245,708
90$8,532,186$0$0$5,689,435
91$9,257,487$0$0$6,175,545
92$10,052,201$0$0$6,708,271
93$10,923,266$0$0$7,292,274
94$11,878,320$0$0$7,932,688
95$12,925,777$0$0$8,635,167
96$14,074,904$0$0$9,405,939
97$15,335,910$0$0$10,251,864
98$16,720,037$0$0$11,180,499
99$18,239,671$0$0$12,200,167
100$19,908,455$0$0$13,320,038