Can I retire at age 52 with 727,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.8%
1 years$60,035$59,500$58,978$58,469$57,972$57,295
2 years$29,720$29,167$28,630$28,110$27,606$26,924
3 years$19,617$19,061$18,526$18,010$17,514$16,850
4 years$14,566$14,012$13,482$12,976$12,491$11,849
5 years$11,536$10,985$10,463$9,966$9,496$8,877
6 years$9,517$8,970$8,455$7,970$7,514$6,919
7 years$8,075$7,533$7,026$6,553$6,111$5,541
8 years$6,995$6,457$5,959$5,497$5,069$4,524
9 years$6,155$5,622$5,132$4,682$4,269$3,748
10 years$5,483$4,956$4,475$4,036$3,637$3,141
11 years$4,934$4,412$3,939$3,513$3,128$2,655
12 years$4,476$3,960$3,496$3,081$2,711$2,261
13 years$4,089$3,579$3,124$2,720$2,364$1,937
14 years$3,758$3,253$2,806$2,415$2,072$1,667
15 years$3,472$2,972$2,534$2,153$1,825$1,441
16 years$3,221$2,726$2,297$1,928$1,613$1,249
17 years$3,000$2,511$2,090$1,732$1,430$1,087
18 years$2,804$2,320$1,908$1,561$1,271$947
19 years$2,628$2,150$1,747$1,411$1,133$828
20 years$2,471$1,998$1,603$1,278$1,012$725
21 years$2,328$1,861$1,475$1,160$906$635
22 years$2,199$1,737$1,359$1,054$812$558
23 years$2,081$1,625$1,255$960$729$490
24 years$1,973$1,522$1,161$876$655$431
25 years$1,874$1,429$1,075$800$589$380
26 years$1,783$1,343$997$731$531$335
27 years$1,699$1,264$926$669$479$295
28 years$1,620$1,191$861$613$432$261
29 years$1,548$1,123$801$562$390$230
30 years$1,480$1,061$746$516$352$203
31 years$1,417$1,003$695$474$319$180
32 years$1,357$949$649$436$288$159
33 years$1,302$899$606$401$261$140
34 years$1,250$852$566$369$236$124
35 years$1,201$808$529$339$214$110
36 years$1,155$767$495$312$194$97
37 years$1,111$728$463$288$176$86
38 years$1,070$692$434$265$159$76
39 years$1,031$658$407$245$144$67
40 years$994$626$381$226$131$60
41 years$959$596$357$208$119$53
42 years$926$568$335$192$108$47
43 years$894$541$315$177$98$42
44 years$864$516$295$164$89$37
45 years$835$492$277$151$81$33
46 years$808$469$260$140$73$29
47 years$782$448$245$129$66$26
48 years$757$427$230$119$60$23
49 years$733$408$216$110$55$20
50 years$710$390$203$102$50$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $727,000, adding $5,797 every year, while hoping to spend $48,804 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: 39/36/25 Blend
51$727,000$727,000$727,000$727,000
52$807,134$768,603$757,334$832,428
53$837,534$754,337$730,778$837,055
54$869,400$737,737$701,696$837,074
55$902,829$718,636$669,953$836,138
56$937,927$696,859$635,406$834,187
57$974,810$672,219$597,906$831,162
58$1,013,603$644,521$557,299$827,005
59$1,054,443$613,555$513,421$821,652
60$1,097,479$579,101$466,103$815,040
61$1,142,872$540,927$415,167$807,107
62$1,190,798$498,786$360,429$797,785
63$1,241,451$452,418$301,695$787,011
64$1,295,040$401,548$238,763$774,719
65$1,351,794$345,884$171,421$760,842
66$1,411,964$285,119$99,451$745,315
67$1,475,823$218,929$22,622$728,075
68$1,543,671$146,970$0$709,058
69$1,615,835$68,881$0$704,041
70$1,692,673$0$0$704,597
71$1,774,577$0$0$710,931
72$1,861,976$0$0$746,864
73$1,955,342$0$0$785,309
74$2,055,190$0$0$826,487
75$2,162,084$0$0$870,639
76$2,276,646$0$0$918,030
77$2,399,555$0$0$968,951
78$2,531,558$0$0$1,023,719
79$2,673,473$0$0$1,082,686
80$2,826,200$0$0$1,146,236
81$2,990,726$0$0$1,214,791
82$3,168,135$0$0$1,288,816
83$3,359,620$0$0$1,368,819
84$3,566,489$0$0$1,455,362
85$3,790,180$0$0$1,549,061
86$4,032,275$0$0$1,650,592
87$4,294,511$0$0$1,760,701
88$4,578,801$0$0$1,880,205
89$4,887,245$0$0$2,010,007
90$5,222,154$0$0$2,151,095
91$5,586,071$0$0$2,304,561
92$5,981,792$0$0$2,471,603
93$6,412,394$0$0$2,653,541
94$6,881,262$0$0$2,851,826
95$7,392,121$0$0$3,068,057
96$7,949,070$0$0$3,303,991
97$8,556,621$0$0$3,561,565
98$9,219,739$0$0$3,842,909
99$9,943,891$0$0$4,150,369
100$10,735,095$0$0$4,486,528