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%11.7%
1 years$59,540$59,009$58,492$57,987$57,494$57,083
2 years$29,475$28,926$28,394$27,878$27,378$26,964
3 years$19,455$18,903$18,373$17,862$17,370$16,965
4 years$14,446$13,896$13,371$12,868$12,388$11,996
5 years$11,441$10,895$10,376$9,884$9,417$9,039
6 years$9,439$8,896$8,386$7,904$7,452$7,088
7 years$8,009$7,471$6,968$6,499$6,060$5,710
8 years$6,937$6,404$5,910$5,452$5,027$4,692
9 years$6,104$5,576$5,090$4,644$4,234$3,913
10 years$5,438$4,915$4,438$4,003$3,607$3,300
11 years$4,893$4,375$3,907$3,484$3,103$2,809
12 years$4,439$3,927$3,467$3,056$2,689$2,409
13 years$4,056$3,549$3,098$2,698$2,345$2,078
14 years$3,727$3,226$2,783$2,395$2,055$1,802
15 years$3,443$2,947$2,513$2,136$1,810$1,569
16 years$3,194$2,704$2,278$1,912$1,599$1,371
17 years$2,975$2,490$2,073$1,718$1,418$1,201
18 years$2,781$2,301$1,893$1,548$1,261$1,056
19 years$2,607$2,133$1,733$1,399$1,124$930
20 years$2,450$1,982$1,590$1,267$1,004$820
21 years$2,309$1,846$1,463$1,150$898$725
22 years$2,181$1,723$1,348$1,046$805$642
23 years$2,064$1,611$1,245$952$723$569
24 years$1,957$1,510$1,151$869$650$505
25 years$1,859$1,417$1,066$793$585$448
26 years$1,768$1,332$989$725$527$399
27 years$1,685$1,253$918$664$475$355
28 years$1,607$1,181$854$608$428$316
29 years$1,535$1,114$794$558$387$281
30 years$1,468$1,052$740$512$350$251
31 years$1,405$995$690$470$316$224
32 years$1,346$941$644$432$286$199
33 years$1,291$891$601$397$259$178
34 years$1,240$845$561$366$234$159
35 years$1,191$801$525$337$212$142
36 years$1,145$760$491$310$192$127
37 years$1,102$722$460$286$174$113
38 years$1,061$686$430$263$158$101
39 years$1,022$653$403$243$143$90
40 years$986$621$378$224$130$81
41 years$951$591$354$207$118$72
42 years$918$563$332$191$107$65
43 years$887$536$312$176$97$58
44 years$857$511$293$162$88$52
45 years$828$488$275$150$80$46
46 years$801$465$258$139$73$41
47 years$775$444$243$128$66$37
48 years$750$424$228$118$60$33
49 years$727$405$214$109$54$30
50 years$704$387$201$101$49$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $721,000, adding $2,406 every year, while hoping to spend $43,032 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: 32/40/28 Blend
51$721,000$721,000$721,000$721,000
52$797,024$758,811$747,635$815,657
53$832,535$750,207$726,895$821,542
54$870,225$739,739$704,018$823,910
55$910,272$727,271$678,887$825,619
56$952,870$712,657$651,380$826,644
57$998,230$695,744$621,368$826,955
58$1,046,583$676,369$588,718$826,529
59$1,098,185$654,361$553,290$825,343
60$1,153,312$629,538$514,938$823,376
61$1,212,271$601,706$473,509$820,611
62$1,275,395$570,662$428,844$817,034
63$1,343,051$536,190$380,777$812,635
64$1,415,642$498,063$329,132$807,412
65$1,493,608$456,039$273,728$801,364
66$1,577,434$409,862$214,376$794,503
67$1,667,651$359,265$150,877$786,845
68$1,764,845$303,962$83,025$778,416
69$1,869,656$243,653$10,603$769,255
70$1,982,788$178,020$0$759,411
71$2,105,017$106,727$0$768,871
72$2,237,192$29,420$0$782,470
73$2,380,250$0$0$797,207
74$2,535,217$0$0$837,169
75$2,703,225$0$0$894,625
76$2,885,516$0$0$957,060
77$3,083,458$0$0$1,024,957
78$3,298,553$0$0$1,098,843
79$3,532,457$0$0$1,179,300
80$3,786,989$0$0$1,266,967
81$4,064,150$0$0$1,362,548
82$4,366,146$0$0$1,466,819
83$4,695,399$0$0$1,580,632
84$5,054,580$0$0$1,704,926
85$5,446,625$0$0$1,840,734
86$5,874,767$0$0$1,989,196
87$6,342,567$0$0$2,151,562
88$6,853,942$0$0$2,329,214
89$7,413,207$0$0$2,523,668
90$8,025,112$0$0$2,736,599
91$8,694,888$0$0$2,969,847
92$9,428,294$0$0$3,225,442
93$10,231,673$0$0$3,505,616
94$11,112,011$0$0$3,812,830
95$12,076,999$0$0$4,149,793
96$13,135,110$0$0$4,519,491
97$14,295,675$0$0$4,925,210
98$15,568,973$0$0$5,370,571
99$16,966,324$0$0$5,859,563
100$18,500,198$0$0$6,396,580