Can I retire at age 52 with 726,000?

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 $726,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$59,952$59,418$58,897$58,389$57,892$57,312
2 years$29,679$29,127$28,591$28,072$27,568$26,983
3 years$19,590$19,035$18,500$17,986$17,490$16,919
4 years$14,546$13,992$13,463$12,958$12,474$11,921
5 years$11,520$10,970$10,448$9,953$9,483$8,950
6 years$9,504$8,958$8,444$7,959$7,503$6,991
7 years$8,064$7,523$7,017$6,544$6,102$5,611
8 years$6,985$6,449$5,951$5,489$5,062$4,592
9 years$6,146$5,615$5,125$4,676$4,263$3,814
10 years$5,475$4,949$4,468$4,031$3,632$3,203
11 years$4,927$4,406$3,934$3,508$3,124$2,715
12 years$4,470$3,954$3,491$3,077$2,707$2,318
13 years$4,084$3,574$3,119$2,716$2,361$1,990
14 years$3,753$3,248$2,803$2,411$2,069$1,718
15 years$3,467$2,967$2,530$2,150$1,822$1,489
16 years$3,216$2,723$2,294$1,925$1,610$1,294
17 years$2,996$2,507$2,088$1,730$1,428$1,129
18 years$2,800$2,317$1,906$1,559$1,270$987
19 years$2,625$2,147$1,745$1,409$1,132$865
20 years$2,467$1,995$1,601$1,276$1,011$759
21 years$2,325$1,859$1,473$1,158$905$668
22 years$2,196$1,735$1,357$1,053$811$588
23 years$2,078$1,623$1,253$959$728$518
24 years$1,971$1,520$1,159$875$654$457
25 years$1,872$1,427$1,074$799$589$404
26 years$1,781$1,341$996$730$530$357
27 years$1,696$1,262$925$668$478$316
28 years$1,618$1,189$859$612$431$280
29 years$1,545$1,122$800$562$390$248
30 years$1,478$1,059$745$515$352$220
31 years$1,415$1,002$695$473$318$195
32 years$1,356$948$648$435$288$173
33 years$1,300$897$605$400$260$153
34 years$1,248$851$565$368$236$136
35 years$1,199$807$529$339$214$121
36 years$1,153$766$494$312$194$107
37 years$1,110$727$463$288$175$95
38 years$1,068$691$433$265$159$85
39 years$1,029$657$406$244$144$75
40 years$993$625$381$225$131$67
41 years$958$595$357$208$119$59
42 years$924$567$335$192$108$53
43 years$893$540$314$177$98$47
44 years$863$515$295$164$89$42
45 years$834$491$277$151$81$37
46 years$807$468$260$140$73$33
47 years$780$447$244$129$66$29
48 years$756$427$230$119$60$26
49 years$732$407$216$110$55$23
50 years$709$389$203$102$50$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $726,000, adding $2,459 every year, while hoping to spend $25,251 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: 75/10/15 Blend
51$726,000$726,000$726,000$726,000
52$802,588$764,110$752,857$859,987
53$857,586$774,685$751,211$908,837
54$917,346$784,931$748,664$958,983
55$982,329$794,807$745,158$1,013,259
56$1,053,040$804,266$740,634$1,072,070
57$1,130,035$813,259$735,030$1,135,862
58$1,213,925$821,736$728,280$1,205,122
59$1,305,384$829,639$720,315$1,280,392
60$1,405,152$836,910$711,065$1,362,267
61$1,514,044$843,486$700,453$1,451,403
62$1,632,960$849,299$688,401$1,548,521
63$1,762,885$854,279$674,826$1,654,420
64$1,904,910$858,348$659,642$1,769,976
65$2,060,230$861,427$642,760$1,896,156
66$2,230,165$863,429$624,084$2,034,028
67$2,416,167$864,262$603,516$2,184,767
68$2,619,834$863,829$580,952$2,349,668
69$2,842,928$862,027$556,285$2,530,159
70$3,087,388$858,748$529,401$2,727,813
71$3,355,348$853,873$500,183$2,944,365
72$3,649,162$847,281$468,507$3,181,728
73$3,971,419$838,840$434,245$3,442,008
74$4,324,972$828,412$397,261$3,727,529
75$4,712,965$815,850$357,414$4,040,850
76$5,138,858$800,998$314,559$4,384,794
77$5,606,466$783,690$268,541$4,762,471
78$6,119,988$763,754$219,199$5,177,311
79$6,684,051$741,003$166,367$5,633,091
80$7,303,754$715,241$109,870$6,133,978
81$7,984,711$686,262$49,525$6,684,563
82$8,733,109$653,846$0$7,289,907
83$9,555,763$617,762$0$7,957,968
84$10,460,182$577,763$0$8,701,127
85$11,454,638$533,591$0$9,518,259
86$12,548,245$484,971$0$10,416,869
87$13,751,045$431,614$0$11,405,225
88$15,074,102$373,213$0$12,492,438
89$16,529,605$309,445$0$13,688,550
90$18,130,984$239,967$0$15,004,624
91$19,893,037$164,419$0$16,452,854
92$21,832,070$82,418$0$18,046,674
93$23,966,048$0$0$19,800,891
94$26,314,765$0$0$21,732,528
95$28,900,032$0$0$23,868,728
96$31,745,884$0$0$26,220,285
97$34,878,801$0$0$28,809,084
98$38,327,963$0$0$31,659,241
99$42,125,523$0$0$34,797,331
100$46,306,909$0$0$38,252,635