Can I retire at age 52 with 719,000?

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 $719,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$59,374$58,845$58,329$57,826$57,334$55,790
2 years$29,393$28,846$28,315$27,801$27,302$25,757
3 years$19,401$18,851$18,322$17,812$17,321$15,824
4 years$14,406$13,858$13,334$12,833$12,354$10,916
5 years$11,409$10,864$10,347$9,857$9,391$8,017
6 years$9,412$8,872$8,362$7,883$7,431$6,121
7 years$7,987$7,450$6,949$6,481$6,043$4,798
8 years$6,918$6,386$5,893$5,436$5,014$3,832
9 years$6,087$5,560$5,076$4,631$4,222$3,104
10 years$5,422$4,901$4,425$3,992$3,597$2,541
11 years$4,879$4,363$3,896$3,474$3,094$2,097
12 years$4,427$3,916$3,458$3,047$2,681$1,742
13 years$4,044$3,539$3,089$2,690$2,338$1,455
14 years$3,717$3,217$2,776$2,388$2,049$1,221
15 years$3,433$2,939$2,506$2,130$1,805$1,028
16 years$3,185$2,696$2,272$1,907$1,595$868
17 years$2,967$2,483$2,067$1,713$1,414$734
18 years$2,773$2,295$1,887$1,544$1,257$623
19 years$2,600$2,127$1,728$1,395$1,121$529
20 years$2,444$1,976$1,586$1,264$1,001$450
21 years$2,303$1,841$1,459$1,147$896$383
22 years$2,175$1,718$1,344$1,043$803$327
23 years$2,058$1,607$1,241$950$721$279
24 years$1,952$1,506$1,148$866$648$238
25 years$1,854$1,413$1,063$791$583$204
26 years$1,763$1,328$986$723$525$174
27 years$1,680$1,250$916$662$473$149
28 years$1,602$1,178$851$607$427$127
29 years$1,531$1,111$792$556$386$109
30 years$1,464$1,049$738$510$349$93
31 years$1,401$992$688$469$315$80
32 years$1,342$939$642$431$285$68
33 years$1,288$889$599$396$258$59
34 years$1,236$842$560$365$234$50
35 years$1,188$799$523$336$212$43
36 years$1,142$758$490$309$192$37
37 years$1,099$720$458$285$174$32
38 years$1,058$684$429$262$157$27
39 years$1,020$651$402$242$143$23
40 years$983$619$377$223$130$20
41 years$948$589$353$206$118$17
42 years$915$561$332$190$107$15
43 years$884$535$311$175$97$13
44 years$854$510$292$162$88$11
45 years$826$486$274$150$80$9
46 years$799$464$258$138$72$8
47 years$773$443$242$128$66$7
48 years$748$423$227$118$60$6
49 years$725$404$214$109$54$5
50 years$702$385$201$101$49$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $719,000, adding $6,910 every year, while hoping to spend $22,733 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: 81/10/9 Blend
51$719,000$719,000$719,000$719,000
52$799,466$761,359$750,214$862,621
53$856,823$774,478$751,159$918,119
54$919,270$787,477$751,373$975,313
55$987,300$800,328$750,808$1,037,404
56$1,061,458$812,998$749,414$1,104,872
57$1,142,344$825,452$747,137$1,178,243
58$1,230,618$837,655$743,921$1,258,098
59$1,327,007$849,565$739,708$1,345,074
60$1,432,309$861,141$734,435$1,439,876
61$1,547,406$872,338$728,040$1,543,279
62$1,673,265$883,107$720,454$1,656,136
63$1,810,956$893,396$711,606$1,779,389
64$1,961,651$903,151$701,423$1,914,073
65$2,126,646$912,312$689,827$2,061,330
66$2,307,365$920,816$676,738$2,222,418
67$2,505,377$928,597$662,069$2,398,723
68$2,722,411$935,583$645,733$2,591,771
69$2,960,368$941,698$627,637$2,803,244
70$3,221,345$946,861$607,683$3,034,997
71$3,507,652$950,987$585,769$3,289,071
72$3,821,830$953,983$561,790$3,567,717
73$4,166,681$955,752$535,634$3,873,415
74$4,545,289$956,191$507,185$4,208,897
75$4,961,055$955,190$476,322$4,577,174
76$5,417,721$952,633$442,917$4,981,564
77$5,919,412$948,396$406,839$5,425,724
78$6,470,672$942,347$367,947$5,913,683
79$7,076,506$934,348$326,099$6,449,881
80$7,742,429$924,250$281,142$7,039,210
81$8,474,515$911,897$232,919$7,687,063
82$9,279,459$897,123$181,265$8,399,382
83$10,164,634$879,752$126,008$9,182,714
84$11,138,165$859,598$66,967$10,044,277
85$12,209,003$836,464$3,956$10,992,021
86$13,387,011$810,140$0$12,034,711
87$14,683,056$780,407$0$13,188,082
88$16,109,110$747,030$0$14,457,500
89$17,678,366$709,761$0$15,854,334
90$19,405,359$668,339$0$17,391,531
91$21,306,105$622,487$0$19,083,359
92$23,398,251$571,912$0$20,945,539
93$25,701,242$516,305$0$22,995,396
94$28,236,504$455,339$0$25,252,020
95$31,027,646$388,669$0$27,736,448
96$34,100,680$315,928$0$30,471,862
97$37,484,273$236,732$0$33,483,811
98$41,210,011$150,674$0$36,800,443
99$45,312,697$57,322$0$40,452,783
100$49,830,684$0$0$44,475,015