Can I retire at age 52 with 718,000?

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 $718,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$59,292$58,764$58,248$57,745$57,254$55,245
2 years$29,352$28,806$28,276$27,762$27,264$25,261
3 years$19,374$18,825$18,296$17,788$17,297$15,363
4 years$14,386$13,838$13,315$12,815$12,337$10,486
5 years$11,393$10,849$10,333$9,843$9,378$7,616
6 years$9,399$8,859$8,351$7,872$7,421$5,749
7 years$7,975$7,440$6,939$6,472$6,035$4,453
8 years$6,908$6,377$5,885$5,429$5,007$3,513
9 years$6,078$5,553$5,069$4,624$4,216$2,809
10 years$5,415$4,894$4,419$3,986$3,592$2,269
11 years$4,872$4,357$3,891$3,469$3,090$1,848
12 years$4,421$3,911$3,453$3,043$2,677$1,514
13 years$4,039$3,534$3,085$2,686$2,335$1,247
14 years$3,712$3,213$2,772$2,385$2,047$1,031
15 years$3,429$2,935$2,503$2,127$1,802$855
16 years$3,181$2,693$2,269$1,904$1,593$711
17 years$2,963$2,480$2,065$1,711$1,412$593
18 years$2,769$2,291$1,885$1,542$1,256$495
19 years$2,596$2,124$1,725$1,393$1,119$414
20 years$2,440$1,973$1,583$1,262$1,000$346
21 years$2,300$1,838$1,456$1,145$895$290
22 years$2,172$1,716$1,342$1,041$802$243
23 years$2,056$1,605$1,239$948$720$204
24 years$1,949$1,504$1,146$865$647$172
25 years$1,851$1,411$1,062$790$582$144
26 years$1,761$1,326$985$722$524$121
27 years$1,678$1,248$914$661$473$102
28 years$1,600$1,176$850$606$427$86
29 years$1,528$1,109$791$555$385$72
30 years$1,462$1,048$737$510$348$61
31 years$1,399$990$687$468$315$51
32 years$1,341$937$641$430$285$43
33 years$1,286$888$598$396$258$36
34 years$1,234$841$559$364$233$30
35 years$1,186$798$523$335$211$26
36 years$1,140$757$489$309$191$22
37 years$1,097$719$458$284$173$18
38 years$1,057$684$429$262$157$15
39 years$1,018$650$402$242$143$13
40 years$982$618$376$223$129$11
41 years$947$589$353$206$117$9
42 years$914$561$331$190$106$8
43 years$883$534$311$175$97$7
44 years$853$509$292$162$88$5
45 years$825$486$274$149$80$5
46 years$798$463$257$138$72$4
47 years$772$442$242$128$66$3
48 years$747$422$227$118$60$3
49 years$724$403$213$109$54$2
50 years$701$385$201$101$49$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $718,000, adding $4,834 every year, while hoping to spend $47,193 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: 63/22/15 Blend
51$718,000$718,000$718,000$718,000
52$796,222$758,168$747,039$843,166
53$827,224$745,106$721,852$862,189
54$859,806$729,821$694,239$877,128
55$894,080$712,156$664,070$892,300
56$930,167$691,942$631,207$907,730
57$968,199$669,003$595,508$923,444
58$1,008,320$643,148$556,822$939,478
59$1,050,686$614,180$514,992$955,869
60$1,095,468$581,886$469,857$972,662
61$1,142,852$546,046$421,244$989,909
62$1,193,043$506,422$368,975$1,007,669
63$1,246,262$462,765$312,864$1,026,011
64$1,302,752$414,812$252,717$1,045,012
65$1,362,780$362,285$188,330$1,064,761
66$1,426,636$304,889$119,492$1,085,360
67$1,494,638$242,314$45,980$1,106,923
68$1,567,134$174,231$0$1,129,581
69$1,644,507$100,293$0$1,158,679
70$1,727,173$20,134$0$1,197,377
71$1,815,592$0$0$1,238,537
72$1,910,265$0$0$1,298,546
73$2,011,743$0$0$1,368,126
74$2,120,632$0$0$1,442,824
75$2,237,592$0$0$1,523,098
76$2,363,354$0$0$1,609,452
77$2,498,716$0$0$1,702,441
78$2,644,554$0$0$1,802,673
79$2,801,834$0$0$1,910,817
80$2,971,614$0$0$2,027,605
81$3,155,057$0$0$2,153,845
82$3,353,442$0$0$2,290,423
83$3,568,174$0$0$2,438,314
84$3,800,799$0$0$2,598,590
85$4,053,014$0$0$2,772,428
86$4,326,688$0$0$2,961,124
87$4,623,875$0$0$3,166,103
88$4,946,834$0$0$3,388,933
89$5,298,053$0$0$3,631,338
90$5,680,265$0$0$3,895,216
91$6,096,479$0$0$4,182,653
92$6,550,008$0$0$4,495,948
93$7,044,494$0$0$4,837,630
94$7,583,949$0$0$5,210,480
95$8,172,788$0$0$5,617,562
96$8,815,869$0$0$6,062,249
97$9,518,543$0$0$6,548,252
98$10,286,698$0$0$7,079,658
99$11,126,819$0$0$7,660,968
100$12,046,045$0$0$8,297,136