Can I retire at age 52 with 724,000?

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 $724,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$59,787$59,255$58,735$58,228$57,733$56,360
2 years$29,598$29,046$28,512$27,994$27,492$26,117
3 years$19,536$18,982$18,449$17,936$17,442$16,108
4 years$14,506$13,954$13,426$12,922$12,440$11,156
5 years$11,489$10,940$10,419$9,925$9,456$8,228
6 years$9,478$8,933$8,420$7,937$7,483$6,310
7 years$8,042$7,502$6,997$6,526$6,085$4,968
8 years$6,966$6,431$5,934$5,474$5,048$3,987
9 years$6,129$5,599$5,111$4,663$4,251$3,245
10 years$5,460$4,935$4,456$4,019$3,622$2,669
11 years$4,913$4,394$3,923$3,498$3,115$2,215
12 years$4,458$3,944$3,482$3,068$2,700$1,850
13 years$4,073$3,564$3,111$2,709$2,354$1,553
14 years$3,743$3,239$2,795$2,405$2,064$1,310
15 years$3,457$2,959$2,523$2,145$1,817$1,109
16 years$3,208$2,715$2,288$1,920$1,606$942
17 years$2,988$2,500$2,082$1,725$1,424$802
18 years$2,792$2,311$1,900$1,555$1,266$684
19 years$2,618$2,141$1,740$1,405$1,128$584
20 years$2,461$1,990$1,597$1,272$1,008$500
21 years$2,319$1,853$1,469$1,155$902$429
22 years$2,190$1,730$1,354$1,050$809$368
23 years$2,073$1,618$1,250$956$726$316
24 years$1,965$1,516$1,156$872$652$271
25 years$1,867$1,423$1,071$796$587$233
26 years$1,776$1,337$993$728$529$201
27 years$1,692$1,258$922$667$477$173
28 years$1,614$1,186$857$611$430$149
29 years$1,541$1,119$798$560$388$128
30 years$1,474$1,057$743$514$351$111
31 years$1,411$999$693$472$317$95
32 years$1,352$945$646$434$287$82
33 years$1,297$895$603$399$260$71
34 years$1,245$848$564$367$235$61
35 years$1,196$805$527$338$213$53
36 years$1,150$764$493$311$193$46
37 years$1,106$725$462$287$175$39
38 years$1,065$689$432$264$159$34
39 years$1,027$655$405$244$144$29
40 years$990$624$380$225$130$25
41 years$955$594$356$207$118$22
42 years$922$565$334$191$107$19
43 years$890$539$313$177$97$16
44 years$860$513$294$163$88$14
45 years$832$490$276$151$80$12
46 years$804$467$259$139$73$10
47 years$778$446$244$129$66$9
48 years$753$425$229$119$60$8
49 years$730$406$215$110$55$7
50 years$707$388$202$101$50$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $724,000, adding $4,052 every year, while hoping to spend $23,406 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: 70/23/7 Blend
51$724,000$724,000$724,000$724,000
52$802,028$763,656$752,434$857,011
53$858,931$776,171$752,736$906,420
54$920,853$788,515$752,265$957,198
55$988,283$800,655$750,968$1,012,117
56$1,061,756$812,555$748,793$1,071,578
57$1,141,862$824,177$745,685$1,136,025
58$1,229,250$835,480$741,584$1,205,942
59$1,324,637$846,422$736,430$1,281,868
60$1,428,807$856,954$730,158$1,364,393
61$1,542,629$867,028$722,702$1,454,169
62$1,667,055$876,590$713,990$1,551,914
63$1,803,135$885,584$703,950$1,658,418
64$1,952,026$893,949$692,503$1,774,553
65$2,115,000$901,620$679,569$1,901,280
66$2,293,460$908,529$665,064$2,039,658
67$2,488,948$914,602$648,900$2,190,854
68$2,703,165$919,762$630,982$2,356,153
69$2,937,984$923,926$611,215$2,536,972
70$3,195,465$927,005$589,498$2,734,874
71$3,477,880$928,906$565,724$2,951,581
72$3,787,730$929,529$539,782$3,188,990
73$4,127,771$928,768$511,558$3,449,192
74$4,501,038$926,512$480,929$3,734,494
75$4,910,873$922,640$447,769$4,047,436
76$5,360,960$917,027$411,947$4,390,818
77$5,855,354$909,538$373,323$4,767,729
78$6,398,525$900,030$331,754$5,181,570
79$6,995,396$888,353$287,090$5,636,093
80$7,651,391$874,347$239,172$6,135,431
81$8,372,485$857,842$187,837$6,684,141
82$9,165,262$838,659$132,912$7,287,246
83$10,036,973$816,608$74,219$7,950,282
84$10,995,609$791,487$11,571$8,679,350
85$12,049,975$763,084$0$9,481,176
86$13,209,770$731,172$0$10,367,305
87$14,485,681$695,514$0$11,342,966
88$15,889,483$655,856$0$12,416,320
89$17,434,149$611,933$0$13,597,308
90$19,133,977$563,462$0$14,896,890
91$21,004,715$510,144$0$16,327,145
92$23,063,719$451,664$0$17,901,383
93$25,330,112$387,689$0$19,634,277
94$27,824,964$317,867$0$21,541,995
95$30,571,494$241,826$0$23,642,357
96$33,595,284$159,173$0$25,955,004
97$36,924,524$69,494$0$28,501,580
98$40,590,276$0$0$31,305,942
99$44,626,767$0$0$34,401,378
100$49,071,713$0$0$37,829,463