Can I retire at age 52 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$60,035$59,500$58,978$58,469$57,972$56,319
2 years$29,720$29,167$28,630$28,110$27,606$25,954
3 years$19,617$19,061$18,526$18,010$17,514$15,914
4 years$14,566$14,012$13,482$12,976$12,491$10,956
5 years$11,536$10,985$10,463$9,966$9,496$8,029
6 years$9,517$8,970$8,455$7,970$7,514$6,117
7 years$8,075$7,533$7,026$6,553$6,111$4,784
8 years$6,995$6,457$5,959$5,497$5,069$3,812
9 years$6,155$5,622$5,132$4,682$4,269$3,080
10 years$5,483$4,956$4,475$4,036$3,637$2,515
11 years$4,934$4,412$3,939$3,513$3,128$2,071
12 years$4,476$3,960$3,496$3,081$2,711$1,716
13 years$4,089$3,579$3,124$2,720$2,364$1,429
14 years$3,758$3,253$2,806$2,415$2,072$1,196
15 years$3,472$2,972$2,534$2,153$1,825$1,004
16 years$3,221$2,726$2,297$1,928$1,613$845
17 years$3,000$2,511$2,090$1,732$1,430$713
18 years$2,804$2,320$1,908$1,561$1,271$603
19 years$2,628$2,150$1,747$1,411$1,133$511
20 years$2,471$1,998$1,603$1,278$1,012$433
21 years$2,328$1,861$1,475$1,160$906$368
22 years$2,199$1,737$1,359$1,054$812$313
23 years$2,081$1,625$1,255$960$729$266
24 years$1,973$1,522$1,161$876$655$226
25 years$1,874$1,429$1,075$800$589$193
26 years$1,783$1,343$997$731$531$164
27 years$1,699$1,264$926$669$479$140
28 years$1,620$1,191$861$613$432$119
29 years$1,548$1,123$801$562$390$102
30 years$1,480$1,061$746$516$352$87
31 years$1,417$1,003$695$474$319$74
32 years$1,357$949$649$436$288$63
33 years$1,302$899$606$401$261$54
34 years$1,250$852$566$369$236$46
35 years$1,201$808$529$339$214$39
36 years$1,155$767$495$312$194$34
37 years$1,111$728$463$288$176$29
38 years$1,070$692$434$265$159$25
39 years$1,031$658$407$245$144$21
40 years$994$626$381$226$131$18
41 years$959$596$357$208$119$15
42 years$926$568$335$192$108$13
43 years$894$541$315$177$98$11
44 years$864$516$295$164$89$10
45 years$835$492$277$151$81$8
46 years$808$469$260$140$73$7
47 years$782$448$245$129$66$6
48 years$757$427$230$119$60$5
49 years$733$408$216$110$55$4
50 years$710$390$203$102$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $727,000, adding $4,559 every year, while hoping to spend $40,648 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: 79/10/11 Blend
51$727,000$727,000$727,000$727,000
52$805,857$767,326$756,057$867,588
53$844,805$761,675$738,136$903,141
54$886,363$754,386$718,252$936,418
55$930,756$745,334$696,297$971,744
56$978,226$734,389$672,156$1,009,308
57$1,029,044$721,413$645,712$1,049,315
58$1,083,503$706,258$616,840$1,091,991
59$1,141,925$688,770$585,409$1,137,587
60$1,204,666$668,784$551,285$1,186,378
61$1,272,114$646,127$514,324$1,238,669
62$1,344,695$620,612$474,380$1,294,795
63$1,422,879$592,047$431,296$1,355,126
64$1,507,180$560,225$384,912$1,420,071
65$1,598,163$524,926$335,057$1,490,079
66$1,696,449$485,922$281,556$1,565,648
67$1,802,723$442,967$224,223$1,647,325
68$1,917,732$395,805$162,867$1,735,716
69$2,042,304$344,162$97,286$1,831,486
70$2,177,344$287,751$27,270$1,935,371
71$2,323,850$226,268$0$2,048,184
72$2,482,919$159,392$0$2,176,388
73$2,655,757$86,782$0$2,319,181
74$2,843,692$8,082$0$2,474,475
75$3,048,183$0$0$2,643,502
76$3,270,836$0$0$2,836,102
77$3,513,420$0$0$3,046,930
78$3,777,879$0$0$3,276,792
79$4,066,356$0$0$3,527,551
80$4,381,205$0$0$3,801,258
81$4,725,022$0$0$4,100,171
82$5,100,661$0$0$4,426,775
83$5,511,267$0$0$4,783,807
84$5,960,300$0$0$5,174,279
85$6,451,572$0$0$5,601,509
86$6,989,278$0$0$6,069,149
87$7,578,038$0$0$6,581,222
88$8,222,942$0$0$7,142,156
89$8,929,592$0$0$7,756,829
90$9,704,160$0$0$8,430,614
91$10,553,441$0$0$9,169,426
92$11,484,923$0$0$9,979,782
93$12,506,848$0$0$10,868,859
94$13,628,300$0$0$11,844,563
95$14,859,281$0$0$12,915,601
96$16,210,810$0$0$14,091,567
97$17,695,026$0$0$15,383,026
98$19,325,299$0$0$16,801,619
99$21,116,359$0$0$18,360,169
100$23,084,434$0$0$20,072,801