Can I retire at age 52 with 722,000?

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 $722,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$59,622$59,091$58,573$58,067$57,573$56,573
2 years$29,516$28,966$28,433$27,917$27,416$26,411
3 years$19,482$18,930$18,398$17,887$17,394$16,416
4 years$14,466$13,915$13,389$12,886$12,405$11,462
5 years$11,457$10,910$10,391$9,898$9,430$8,525
6 years$9,452$8,909$8,397$7,915$7,462$6,595
7 years$8,020$7,481$6,978$6,508$6,069$5,240
8 years$6,947$6,413$5,918$5,459$5,034$4,244
9 years$6,112$5,584$5,097$4,650$4,240$3,487
10 years$5,445$4,922$4,444$4,008$3,612$2,897
11 years$4,900$4,382$3,912$3,488$3,107$2,428
12 years$4,445$3,933$3,472$3,060$2,692$2,049
13 years$4,061$3,554$3,102$2,701$2,348$1,739
14 years$3,732$3,230$2,787$2,398$2,058$1,483
15 years$3,448$2,951$2,516$2,139$1,812$1,269
16 years$3,199$2,708$2,282$1,915$1,601$1,090
17 years$2,979$2,494$2,076$1,720$1,420$939
18 years$2,784$2,304$1,895$1,551$1,263$810
19 years$2,610$2,135$1,735$1,401$1,125$701
20 years$2,454$1,984$1,592$1,269$1,005$607
21 years$2,312$1,848$1,465$1,152$900$527
22 years$2,184$1,725$1,350$1,047$806$457
23 years$2,067$1,614$1,246$954$724$398
24 years$1,960$1,512$1,153$870$651$346
25 years$1,861$1,419$1,068$794$585$301
26 years$1,771$1,334$990$726$527$263
27 years$1,687$1,255$919$665$475$229
28 years$1,609$1,183$855$609$429$200
29 years$1,537$1,116$795$559$387$175
30 years$1,470$1,054$741$513$350$152
31 years$1,407$996$691$471$316$133
32 years$1,348$942$644$433$286$116
33 years$1,293$892$602$398$259$102
34 years$1,241$846$562$366$235$89
35 years$1,193$802$526$337$212$78
36 years$1,147$761$492$310$192$68
37 years$1,103$723$460$286$174$59
38 years$1,062$687$431$264$158$52
39 years$1,024$654$404$243$143$46
40 years$987$622$378$224$130$40
41 years$952$592$355$207$118$35
42 years$919$564$333$191$107$31
43 years$888$537$312$176$97$27
44 years$858$512$293$163$88$23
45 years$829$488$275$150$80$20
46 years$802$466$259$139$73$18
47 years$776$444$243$128$66$16
48 years$751$424$228$118$60$14
49 years$728$405$215$109$54$12
50 years$705$387$202$101$49$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $722,000, adding $6,453 every year, while hoping to spend $21,986 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: 61/27/12 Blend
51$722,000$722,000$722,000$722,000
52$802,300$764,034$752,843$848,558
53$860,742$778,079$754,671$894,437
54$924,408$792,075$755,822$941,400
55$993,808$805,997$756,252$992,108
56$1,069,502$819,817$755,913$1,046,926
57$1,152,109$833,505$754,753$1,106,253
58$1,242,307$847,030$752,721$1,170,531
59$1,340,845$860,357$749,759$1,240,246
60$1,448,546$873,450$745,812$1,315,934
61$1,566,317$886,268$740,816$1,398,186
62$1,695,157$898,771$734,708$1,487,653
63$1,836,164$910,911$727,422$1,585,053
64$1,990,548$922,642$718,887$1,691,178
65$2,159,644$933,911$709,029$1,806,899
66$2,344,918$944,664$697,772$1,933,178
67$2,547,988$954,840$685,035$2,071,076
68$2,770,633$964,377$670,734$2,221,760
69$3,014,814$973,209$654,781$2,386,520
70$3,282,692$981,263$637,083$2,566,775
71$3,576,645$988,462$617,543$2,764,091
72$3,899,293$994,727$596,061$2,980,194
73$4,253,523$999,971$572,531$3,216,987
74$4,642,514$1,004,102$546,843$3,476,567
75$5,069,768$1,007,021$518,880$3,761,248
76$5,539,145$1,008,626$488,523$4,073,578
77$6,054,895$1,008,805$455,646$4,416,368
78$6,621,700$1,007,442$420,116$4,792,716
79$7,244,719$1,004,412$381,795$5,206,039
80$7,929,636$999,584$340,540$5,660,101
81$8,682,711$992,816$296,201$6,159,053
82$9,510,844$983,961$248,621$6,707,471
83$10,421,636$972,860$197,635$7,310,400
84$11,423,460$959,348$143,073$7,973,400
85$12,525,543$943,245$84,755$8,702,602
86$13,738,050$924,366$22,496$9,504,763
87$15,072,182$902,511$0$10,387,332
88$16,540,280$877,470$0$11,364,147
89$18,155,943$849,020$0$12,442,073
90$19,934,153$816,926$0$13,628,231
91$21,891,419$780,937$0$14,933,648
92$24,045,931$740,791$0$16,370,477
93$26,417,733$696,207$0$17,952,112
94$29,028,912$646,891$0$19,693,317
95$31,903,803$592,531$0$21,610,363
96$35,069,222$532,796$0$23,721,181
97$38,554,717$467,337$0$26,045,537
98$42,392,849$395,787$0$28,605,212
99$46,619,494$317,756$0$31,424,214
100$51,274,189$232,833$0$34,529,004