Can I retire at age 52 with 719,000?

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 $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%19.9%
1 years$59,374$58,845$58,329$57,826$57,334$55,059
2 years$29,393$28,846$28,315$27,801$27,302$25,038
3 years$19,401$18,851$18,322$17,812$17,321$15,140
4 years$14,406$13,858$13,334$12,833$12,354$10,272
5 years$11,409$10,864$10,347$9,857$9,391$7,413
6 years$9,412$8,872$8,362$7,883$7,431$5,559
7 years$7,987$7,450$6,949$6,481$6,043$4,276
8 years$6,918$6,386$5,893$5,436$5,014$3,349
9 years$6,087$5,560$5,076$4,631$4,222$2,659
10 years$5,422$4,901$4,425$3,992$3,597$2,132
11 years$4,879$4,363$3,896$3,474$3,094$1,722
12 years$4,427$3,916$3,458$3,047$2,681$1,400
13 years$4,044$3,539$3,089$2,690$2,338$1,143
14 years$3,717$3,217$2,776$2,388$2,049$937
15 years$3,433$2,939$2,506$2,130$1,805$771
16 years$3,185$2,696$2,272$1,907$1,595$635
17 years$2,967$2,483$2,067$1,713$1,414$525
18 years$2,773$2,295$1,887$1,544$1,257$434
19 years$2,600$2,127$1,728$1,395$1,121$360
20 years$2,444$1,976$1,586$1,264$1,001$299
21 years$2,303$1,841$1,459$1,147$896$248
22 years$2,175$1,718$1,344$1,043$803$206
23 years$2,058$1,607$1,241$950$721$171
24 years$1,952$1,506$1,148$866$648$142
25 years$1,854$1,413$1,063$791$583$119
26 years$1,763$1,328$986$723$525$99
27 years$1,680$1,250$916$662$473$82
28 years$1,602$1,178$851$607$427$68
29 years$1,531$1,111$792$556$386$57
30 years$1,464$1,049$738$510$349$48
31 years$1,401$992$688$469$315$40
32 years$1,342$939$642$431$285$33
33 years$1,288$889$599$396$258$28
34 years$1,236$842$560$365$234$23
35 years$1,188$799$523$336$212$19
36 years$1,142$758$490$309$192$16
37 years$1,099$720$458$285$174$13
38 years$1,058$684$429$262$157$11
39 years$1,020$651$402$242$143$9
40 years$983$619$377$223$130$8
41 years$948$589$353$206$118$6
42 years$915$561$332$190$107$5
43 years$884$535$311$175$97$4
44 years$854$510$292$162$88$4
45 years$826$486$274$150$80$3
46 years$799$464$258$138$72$3
47 years$773$443$242$128$66$2
48 years$748$423$227$118$60$2
49 years$725$404$214$109$54$2
50 years$702$385$201$101$49$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $719,000, adding $4,063 every year, while hoping to spend $42,533 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: 43/30/27 Blend
51$719,000$719,000$719,000$719,000
52$796,529$758,422$747,277$824,359
53$832,520$750,330$727,056$836,568
54$870,757$740,416$704,733$845,434
55$911,423$728,545$680,190$854,219
56$954,721$714,577$653,309$862,942
57$1,000,871$698,359$623,963$871,623
58$1,050,114$679,733$592,020$880,292
59$1,102,715$658,529$557,342$888,980
60$1,158,964$634,569$519,786$897,731
61$1,219,180$607,665$479,200$906,592
62$1,283,710$577,615$435,427$915,623
63$1,352,939$544,207$388,304$924,892
64$1,427,284$507,220$337,658$934,480
65$1,507,208$466,414$283,311$944,481
66$1,593,216$421,541$225,074$955,005
67$1,685,863$372,336$162,753$966,176
68$1,785,760$318,519$96,144$978,138
69$1,893,576$259,795$25,033$991,058
70$2,010,048$195,852$0$1,005,124
71$2,135,985$126,361$0$1,035,201
72$2,272,276$50,973$0$1,075,533
73$2,419,899$0$0$1,119,246
74$2,579,929$0$0$1,176,856
75$2,753,548$0$0$1,257,689
76$2,942,055$0$0$1,345,531
77$3,146,882$0$0$1,441,059
78$3,369,599$0$0$1,545,018
79$3,611,939$0$0$1,658,224
80$3,875,804$0$0$1,781,580
81$4,163,291$0$0$1,916,075
82$4,476,704$0$0$2,062,801
83$4,818,580$0$0$2,222,959
84$5,191,714$0$0$2,397,871
85$5,599,179$0$0$2,588,990
86$6,044,359$0$0$2,797,920
87$6,530,981$0$0$3,026,424
88$7,063,147$0$0$3,276,443
89$7,645,372$0$0$3,550,115
90$8,282,631$0$0$3,849,796
91$8,980,399$0$0$4,178,077
92$9,744,707$0$0$4,537,815
93$10,582,196$0$0$4,932,154
94$11,500,180$0$0$5,364,556
95$12,506,714$0$0$5,838,838
96$13,610,671$0$0$6,359,200
97$14,821,822$0$0$6,930,269
98$16,150,930$0$0$7,557,145
99$17,609,852$0$0$8,245,441
100$19,211,647$0$0$9,001,344