Can I retire at age 52 with 721,000?

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 $721,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$59,540$59,009$58,492$57,987$57,494$56,799
2 years$29,475$28,926$28,394$27,878$27,378$26,679
3 years$19,455$18,903$18,373$17,862$17,370$16,688
4 years$14,446$13,896$13,371$12,868$12,388$11,729
5 years$11,441$10,895$10,376$9,884$9,417$8,782
6 years$9,439$8,896$8,386$7,904$7,452$6,842
7 years$8,009$7,471$6,968$6,499$6,060$5,476
8 years$6,937$6,404$5,910$5,452$5,027$4,469
9 years$6,104$5,576$5,090$4,644$4,234$3,700
10 years$5,438$4,915$4,438$4,003$3,607$3,099
11 years$4,893$4,375$3,907$3,484$3,103$2,618
12 years$4,439$3,927$3,467$3,056$2,689$2,228
13 years$4,056$3,549$3,098$2,698$2,345$1,907
14 years$3,727$3,226$2,783$2,395$2,055$1,640
15 years$3,443$2,947$2,513$2,136$1,810$1,417
16 years$3,194$2,704$2,278$1,912$1,599$1,228
17 years$2,975$2,490$2,073$1,718$1,418$1,067
18 years$2,781$2,301$1,893$1,548$1,261$930
19 years$2,607$2,133$1,733$1,399$1,124$812
20 years$2,450$1,982$1,590$1,267$1,004$710
21 years$2,309$1,846$1,463$1,150$898$622
22 years$2,181$1,723$1,348$1,046$805$546
23 years$2,064$1,611$1,245$952$723$479
24 years$1,957$1,510$1,151$869$650$421
25 years$1,859$1,417$1,066$793$585$371
26 years$1,768$1,332$989$725$527$326
27 years$1,685$1,253$918$664$475$288
28 years$1,607$1,181$854$608$428$254
29 years$1,535$1,114$794$558$387$224
30 years$1,468$1,052$740$512$350$198
31 years$1,405$995$690$470$316$174
32 years$1,346$941$644$432$286$154
33 years$1,291$891$601$397$259$136
34 years$1,240$845$561$366$234$120
35 years$1,191$801$525$337$212$106
36 years$1,145$760$491$310$192$94
37 years$1,102$722$460$286$174$83
38 years$1,061$686$430$263$158$74
39 years$1,022$653$403$243$143$65
40 years$986$621$378$224$130$58
41 years$951$591$354$207$118$51
42 years$918$563$332$191$107$45
43 years$887$536$312$176$97$40
44 years$857$511$293$162$88$35
45 years$828$488$275$150$80$31
46 years$801$465$258$139$73$28
47 years$775$444$243$128$66$25
48 years$750$424$228$118$60$22
49 years$727$405$214$109$54$19
50 years$704$387$201$101$49$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $721,000, adding $3,892 every year, while hoping to spend $43,088 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: 41/43/16 Blend
51$721,000$721,000$721,000$721,000
52$798,557$760,344$749,168$827,380
53$834,164$751,755$728,420$839,567
54$871,959$741,302$705,533$848,242
55$912,120$728,846$680,389$856,713
56$954,841$714,244$652,866$864,982
57$1,000,334$697,342$622,837$873,055
58$1,048,833$677,976$590,166$880,942
59$1,100,592$655,975$554,715$888,657
60$1,155,891$631,157$516,337$896,220
61$1,215,037$603,328$474,879$903,657
62$1,278,364$572,285$430,181$911,002
63$1,346,242$537,811$382,077$918,296
64$1,419,074$499,679$330,391$925,591
65$1,497,303$457,648$274,944$932,947
66$1,581,417$411,461$215,543$940,439
67$1,671,949$360,850$151,991$948,152
68$1,769,486$305,530$84,081$956,191
69$1,874,672$245,200$11,597$964,674
70$1,988,216$179,542$0$973,740
71$2,110,894$108,219$0$994,778
72$2,243,561$30,878$0$1,019,588
73$2,387,157$0$0$1,046,445
74$2,542,715$0$0$1,100,647
75$2,711,370$0$0$1,175,330
76$2,894,370$0$0$1,256,447
77$3,093,089$0$0$1,344,617
78$3,309,038$0$0$1,440,520
79$3,543,878$0$0$1,544,907
80$3,799,437$0$0$1,658,600
81$4,077,726$0$0$1,782,508
82$4,380,960$0$0$1,917,628
83$4,711,574$0$0$2,065,060
84$5,072,248$0$0$2,226,013
85$5,465,934$0$0$2,401,818
86$5,895,880$0$0$2,593,940
87$6,365,662$0$0$2,803,994
88$6,879,217$0$0$3,033,756
89$7,440,878$0$0$3,285,182
90$8,055,418$0$0$3,560,425
91$8,728,091$0$0$3,861,859
92$9,464,684$0$0$4,192,094
93$10,271,570$0$0$4,554,007
94$11,155,764$0$0$4,950,767
95$12,124,995$0$0$5,385,861
96$13,187,776$0$0$5,863,135
97$14,353,480$0$0$6,386,819
98$15,632,433$0$0$6,961,577
99$17,036,009$0$0$7,592,544
100$18,576,736$0$0$8,285,378