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%12.6%
1 years$59,622$59,091$58,573$58,067$57,573$56,948
2 years$29,516$28,966$28,433$27,917$27,416$26,787
3 years$19,482$18,930$18,398$17,887$17,394$16,780
4 years$14,466$13,915$13,389$12,886$12,405$11,811
5 years$11,457$10,910$10,391$9,898$9,430$8,858
6 years$9,452$8,909$8,397$7,915$7,462$6,912
7 years$8,020$7,481$6,978$6,508$6,069$5,541
8 years$6,947$6,413$5,918$5,459$5,034$4,530
9 years$6,112$5,584$5,097$4,650$4,240$3,757
10 years$5,445$4,922$4,444$4,008$3,612$3,152
11 years$4,900$4,382$3,912$3,488$3,107$2,668
12 years$4,445$3,933$3,472$3,060$2,692$2,275
13 years$4,061$3,554$3,102$2,701$2,348$1,951
14 years$3,732$3,230$2,787$2,398$2,058$1,682
15 years$3,448$2,951$2,516$2,139$1,812$1,455
16 years$3,199$2,708$2,282$1,915$1,601$1,264
17 years$2,979$2,494$2,076$1,720$1,420$1,101
18 years$2,784$2,304$1,895$1,551$1,263$961
19 years$2,610$2,135$1,735$1,401$1,125$841
20 years$2,454$1,984$1,592$1,269$1,005$737
21 years$2,312$1,848$1,465$1,152$900$647
22 years$2,184$1,725$1,350$1,047$806$569
23 years$2,067$1,614$1,246$954$724$501
24 years$1,960$1,512$1,153$870$651$441
25 years$1,861$1,419$1,068$794$585$389
26 years$1,771$1,334$990$726$527$344
27 years$1,687$1,255$919$665$475$304
28 years$1,609$1,183$855$609$429$268
29 years$1,537$1,116$795$559$387$237
30 years$1,470$1,054$741$513$350$210
31 years$1,407$996$691$471$316$186
32 years$1,348$942$644$433$286$165
33 years$1,293$892$602$398$259$146
34 years$1,241$846$562$366$235$129
35 years$1,193$802$526$337$212$115
36 years$1,147$761$492$310$192$102
37 years$1,103$723$460$286$174$90
38 years$1,062$687$431$264$158$80
39 years$1,024$654$404$243$143$71
40 years$987$622$378$224$130$63
41 years$952$592$355$207$118$56
42 years$919$564$333$191$107$49
43 years$888$537$312$176$97$44
44 years$858$512$293$163$88$39
45 years$829$488$275$150$80$35
46 years$802$466$259$139$73$31
47 years$776$444$243$128$66$27
48 years$751$424$228$118$60$24
49 years$728$405$215$109$54$21
50 years$705$387$202$101$49$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $722,000, adding $4,590 every year, while hoping to spend $50,706 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: 58/28/14 Blend
51$722,000$722,000$722,000$722,000
52$800,379$762,113$750,922$843,701
53$828,066$745,505$722,127$856,906
54$856,879$726,385$690,668$865,286
55$886,877$704,574$656,402$873,232
56$918,127$679,887$619,180$880,709
57$950,700$652,125$578,846$887,682
58$984,671$621,079$535,237$894,116
59$1,020,122$586,527$488,182$899,972
60$1,057,143$548,234$437,504$905,213
61$1,095,828$505,954$383,017$909,800
62$1,136,280$459,424$324,526$913,695
63$1,178,613$408,368$261,830$916,859
64$1,222,946$352,492$194,716$919,252
65$1,269,410$291,489$122,963$920,836
66$1,318,148$225,030$46,340$921,572
67$1,369,314$152,771$0$921,422
68$1,423,076$74,349$0$925,645
69$1,479,615$0$0$936,643
70$1,539,130$0$0$950,767
71$1,601,836$0$0$989,807
72$1,667,968$0$0$1,031,005
73$1,737,781$0$0$1,074,521
74$1,811,556$0$0$1,120,535
75$1,889,597$0$0$1,169,239
76$1,972,235$0$0$1,220,845
77$2,059,834$0$0$1,275,583
78$2,152,790$0$0$1,333,706
79$2,251,539$0$0$1,395,491
80$2,356,553$0$0$1,461,238
81$2,468,352$0$0$1,531,279
82$2,587,505$0$0$1,605,976
83$2,714,634$0$0$1,685,724
84$2,850,421$0$0$1,770,959
85$2,995,614$0$0$1,862,156
86$3,151,032$0$0$1,959,839
87$3,317,572$0$0$2,064,578
88$3,496,222$0$0$2,177,004
89$3,688,062$0$0$2,297,805
90$3,894,280$0$0$2,427,738
91$4,116,177$0$0$2,567,634
92$4,355,186$0$0$2,718,406
93$4,612,877$0$0$2,881,056
94$4,890,976$0$0$3,056,686
95$5,191,381$0$0$3,246,506
96$5,516,175$0$0$3,451,845
97$5,867,649$0$0$3,674,166
98$6,248,322$0$0$3,915,076
99$6,660,961$0$0$4,176,343
100$7,108,612$0$0$4,459,910