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%12.5%
1 years$59,622$59,091$58,573$58,067$57,573$56,972
2 years$29,516$28,966$28,433$27,917$27,416$26,810
3 years$19,482$18,930$18,398$17,887$17,394$16,803
4 years$14,466$13,915$13,389$12,886$12,405$11,834
5 years$11,457$10,910$10,391$9,898$9,430$8,879
6 years$9,452$8,909$8,397$7,915$7,462$6,932
7 years$8,020$7,481$6,978$6,508$6,069$5,561
8 years$6,947$6,413$5,918$5,459$5,034$4,548
9 years$6,112$5,584$5,097$4,650$4,240$3,775
10 years$5,445$4,922$4,444$4,008$3,612$3,169
11 years$4,900$4,382$3,912$3,488$3,107$2,684
12 years$4,445$3,933$3,472$3,060$2,692$2,290
13 years$4,061$3,554$3,102$2,701$2,348$1,965
14 years$3,732$3,230$2,787$2,398$2,058$1,695
15 years$3,448$2,951$2,516$2,139$1,812$1,468
16 years$3,199$2,708$2,282$1,915$1,601$1,276
17 years$2,979$2,494$2,076$1,720$1,420$1,112
18 years$2,784$2,304$1,895$1,551$1,263$971
19 years$2,610$2,135$1,735$1,401$1,125$850
20 years$2,454$1,984$1,592$1,269$1,005$746
21 years$2,312$1,848$1,465$1,152$900$656
22 years$2,184$1,725$1,350$1,047$806$577
23 years$2,067$1,614$1,246$954$724$508
24 years$1,960$1,512$1,153$870$651$448
25 years$1,861$1,419$1,068$794$585$396
26 years$1,771$1,334$990$726$527$349
27 years$1,687$1,255$919$665$475$309
28 years$1,609$1,183$855$609$429$273
29 years$1,537$1,116$795$559$387$242
30 years$1,470$1,054$741$513$350$214
31 years$1,407$996$691$471$316$190
32 years$1,348$942$644$433$286$168
33 years$1,293$892$602$398$259$149
34 years$1,241$846$562$366$235$132
35 years$1,193$802$526$337$212$117
36 years$1,147$761$492$310$192$104
37 years$1,103$723$460$286$174$92
38 years$1,062$687$431$264$158$82
39 years$1,024$654$404$243$143$73
40 years$987$622$378$224$130$65
41 years$952$592$355$207$118$57
42 years$919$564$333$191$107$51
43 years$888$537$312$176$97$45
44 years$858$512$293$163$88$40
45 years$829$488$275$150$80$36
46 years$802$466$259$139$73$32
47 years$776$444$243$128$66$28
48 years$751$424$228$118$60$25
49 years$728$405$215$109$54$22
50 years$705$387$202$101$49$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $722,000, adding $4,757 every year, while hoping to spend $38,234 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: 48/25/27 Blend
51$722,000$722,000$722,000$722,000
52$800,551$762,285$751,094$832,613
53$841,526$758,956$735,575$852,287
54$885,400$754,183$718,254$869,499
55$932,427$747,854$699,032$887,443
56$982,887$739,851$677,802$906,208
57$1,037,088$730,050$654,455$925,891
58$1,095,366$718,318$628,875$946,606
59$1,158,093$704,515$600,941$968,476
60$1,225,674$688,492$570,528$991,643
61$1,298,556$670,092$537,504$1,016,266
62$1,377,230$649,147$501,732$1,042,522
63$1,462,234$625,483$463,067$1,070,610
64$1,554,162$598,911$421,360$1,100,752
65$1,653,664$569,235$376,453$1,133,198
66$1,761,456$536,245$328,182$1,168,225
67$1,878,324$499,722$276,376$1,206,144
68$2,005,136$459,430$220,857$1,247,302
69$2,142,841$415,124$161,437$1,292,086
70$2,292,488$366,542$97,922$1,340,927
71$2,455,227$313,408$30,108$1,394,305
72$2,632,327$255,432$0$1,452,754
73$2,825,180$192,304$0$1,529,045
74$3,035,322$123,700$0$1,621,713
75$3,264,441$49,277$0$1,722,877
76$3,514,394$0$0$1,833,425
77$3,787,228$0$0$1,962,955
78$4,085,193$0$0$2,119,296
79$4,410,768$0$0$2,290,201
80$4,766,681$0$0$2,477,113
81$5,155,938$0$0$2,681,620
82$5,581,844$0$0$2,905,469
83$6,048,043$0$0$3,150,586
84$6,558,545$0$0$3,419,090
85$7,117,767$0$0$3,713,318
86$7,730,573$0$0$4,035,839
87$8,402,318$0$0$4,389,485
88$9,138,903$0$0$4,777,377
89$9,946,826$0$0$5,202,948
90$10,833,243$0$0$5,669,984
91$11,806,037$0$0$6,182,652
92$12,873,893$0$0$6,745,543
93$14,046,374$0$0$7,363,716
94$15,334,018$0$0$8,042,741
95$16,748,431$0$0$8,788,756
96$18,302,400$0$0$9,608,523
97$20,010,012$0$0$10,509,490
98$21,886,784$0$0$11,499,865
99$23,949,812$0$0$12,588,688
100$26,217,933$0$0$13,785,919