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%15.4%
1 years$59,292$58,764$58,248$57,745$57,254$55,984
2 years$29,352$28,806$28,276$27,762$27,264$25,991
3 years$19,374$18,825$18,296$17,788$17,297$16,061
4 years$14,386$13,838$13,315$12,815$12,337$11,147
5 years$11,393$10,849$10,333$9,843$9,378$8,238
6 years$9,399$8,859$8,351$7,872$7,421$6,331
7 years$7,975$7,440$6,939$6,472$6,035$4,997
8 years$6,908$6,377$5,885$5,429$5,007$4,019
9 years$6,078$5,553$5,069$4,624$4,216$3,279
10 years$5,415$4,894$4,419$3,986$3,592$2,704
11 years$4,872$4,357$3,891$3,469$3,090$2,249
12 years$4,421$3,911$3,453$3,043$2,677$1,883
13 years$4,039$3,534$3,085$2,686$2,335$1,586
14 years$3,712$3,213$2,772$2,385$2,047$1,341
15 years$3,429$2,935$2,503$2,127$1,802$1,139
16 years$3,181$2,693$2,269$1,904$1,593$970
17 years$2,963$2,480$2,065$1,711$1,412$828
18 years$2,769$2,291$1,885$1,542$1,256$708
19 years$2,596$2,124$1,725$1,393$1,119$607
20 years$2,440$1,973$1,583$1,262$1,000$521
21 years$2,300$1,838$1,456$1,145$895$448
22 years$2,172$1,716$1,342$1,041$802$386
23 years$2,056$1,605$1,239$948$720$332
24 years$1,949$1,504$1,146$865$647$286
25 years$1,851$1,411$1,062$790$582$247
26 years$1,761$1,326$985$722$524$213
27 years$1,678$1,248$914$661$473$184
28 years$1,600$1,176$850$606$427$159
29 years$1,528$1,109$791$555$385$138
30 years$1,462$1,048$737$510$348$119
31 years$1,399$990$687$468$315$103
32 years$1,341$937$641$430$285$89
33 years$1,286$888$598$396$258$77
34 years$1,234$841$559$364$233$67
35 years$1,186$798$523$335$211$58
36 years$1,140$757$489$309$191$50
37 years$1,097$719$458$284$173$43
38 years$1,057$684$429$262$157$37
39 years$1,018$650$402$242$143$32
40 years$982$618$376$223$129$28
41 years$947$589$353$206$117$24
42 years$914$561$331$190$106$21
43 years$883$534$311$175$97$18
44 years$853$509$292$162$88$16
45 years$825$486$274$149$80$14
46 years$798$463$257$138$72$12
47 years$772$442$242$128$66$10
48 years$747$422$227$118$60$9
49 years$724$403$213$109$54$8
50 years$701$385$201$101$49$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $718,000, adding $4,001 every year, while hoping to spend $33,934 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: 38/35/27 Blend
51$718,000$718,000$718,000$718,000
52$795,363$757,309$746,180$819,062
53$840,385$758,312$735,072$837,797
54$888,861$758,226$722,454$854,618
55$941,109$756,963$708,240$872,144
56$997,476$754,428$692,340$890,459
57$1,058,344$750,521$674,659$909,661
58$1,124,133$745,135$655,098$929,859
59$1,195,305$738,156$633,554$951,175
60$1,272,366$729,466$609,918$973,748
61$1,355,874$718,937$584,077$997,733
62$1,446,443$706,434$555,913$1,023,305
63$1,544,746$691,815$525,302$1,050,659
64$1,651,525$674,929$492,115$1,080,014
65$1,767,596$655,616$456,216$1,111,616
66$1,893,856$633,707$417,465$1,145,738
67$2,031,293$609,021$375,713$1,182,688
68$2,180,992$581,371$330,807$1,222,807
69$2,344,149$550,554$282,585$1,266,478
70$2,522,081$516,360$230,880$1,314,128
71$2,716,235$478,563$175,516$1,366,230
72$2,928,204$436,926$116,309$1,423,316
73$3,159,745$391,199$53,069$1,485,973
74$3,412,788$341,117$0$1,554,859
75$3,689,459$286,399$0$1,634,856
76$3,992,101$226,750$0$1,739,209
77$4,323,292$161,857$0$1,853,576
78$4,685,870$91,390$0$1,979,024
79$5,082,961$15,001$0$2,116,735
80$5,518,009$0$0$2,268,015
81$5,994,803$0$0$2,460,373
82$6,517,520$0$0$2,677,690
83$7,090,759$0$0$2,916,115
84$7,719,585$0$0$3,177,765
85$8,409,575$0$0$3,464,977
86$9,166,877$0$0$3,780,321
87$9,998,259$0$0$4,126,631
88$10,911,176$0$0$4,507,027
89$11,913,844$0$0$4,924,947
90$13,015,310$0$0$5,384,178
91$14,225,543$0$0$5,888,892
92$15,555,524$0$0$6,443,687
93$17,017,351$0$0$7,053,626
94$18,624,351$0$0$7,724,288
95$20,391,210$0$0$8,461,820
96$22,334,104$0$0$9,272,994
97$24,470,857$0$0$10,165,272
98$26,821,107$0$0$11,146,876
99$29,406,491$0$0$12,226,862
100$32,250,848$0$0$13,415,212