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%17.8%
1 years$60,035$59,500$58,978$58,469$57,972$56,139
2 years$29,720$29,167$28,630$28,110$27,606$25,775
3 years$19,617$19,061$18,526$18,010$17,514$15,744
4 years$14,566$14,012$13,482$12,976$12,491$10,795
5 years$11,536$10,985$10,463$9,966$9,496$7,878
6 years$9,517$8,970$8,455$7,970$7,514$5,976
7 years$8,075$7,533$7,026$6,553$6,111$4,652
8 years$6,995$6,457$5,959$5,497$5,069$3,690
9 years$6,155$5,622$5,132$4,682$4,269$2,967
10 years$5,483$4,956$4,475$4,036$3,637$2,410
11 years$4,934$4,412$3,939$3,513$3,128$1,974
12 years$4,476$3,960$3,496$3,081$2,711$1,627
13 years$4,089$3,579$3,124$2,720$2,364$1,348
14 years$3,758$3,253$2,806$2,415$2,072$1,122
15 years$3,472$2,972$2,534$2,153$1,825$936
16 years$3,221$2,726$2,297$1,928$1,613$784
17 years$3,000$2,511$2,090$1,732$1,430$657
18 years$2,804$2,320$1,908$1,561$1,271$553
19 years$2,628$2,150$1,747$1,411$1,133$465
20 years$2,471$1,998$1,603$1,278$1,012$392
21 years$2,328$1,861$1,475$1,160$906$331
22 years$2,199$1,737$1,359$1,054$812$280
23 years$2,081$1,625$1,255$960$729$236
24 years$1,973$1,522$1,161$876$655$200
25 years$1,874$1,429$1,075$800$589$169
26 years$1,783$1,343$997$731$531$143
27 years$1,699$1,264$926$669$479$121
28 years$1,620$1,191$861$613$432$103
29 years$1,548$1,123$801$562$390$87
30 years$1,480$1,061$746$516$352$74
31 years$1,417$1,003$695$474$319$63
32 years$1,357$949$649$436$288$53
33 years$1,302$899$606$401$261$45
34 years$1,250$852$566$369$236$38
35 years$1,201$808$529$339$214$32
36 years$1,155$767$495$312$194$28
37 years$1,111$728$463$288$176$23
38 years$1,070$692$434$265$159$20
39 years$1,031$658$407$245$144$17
40 years$994$626$381$226$131$14
41 years$959$596$357$208$119$12
42 years$926$568$335$192$108$10
43 years$894$541$315$177$98$9
44 years$864$516$295$164$89$7
45 years$835$492$277$151$81$6
46 years$808$469$260$140$73$5
47 years$782$448$245$129$66$5
48 years$757$427$230$119$60$4
49 years$733$408$216$110$55$3
50 years$710$390$203$102$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $727,000, adding $2,879 every year, while hoping to spend $28,672 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: 86/5/9 Blend
51$727,000$727,000$727,000$727,000
52$804,124$765,593$754,324$872,126
53$855,638$772,600$749,087$923,947
54$911,445$778,990$742,714$976,668
55$971,953$784,701$735,136$1,033,700
56$1,037,611$789,670$726,281$1,095,458
57$1,108,911$793,828$716,076$1,162,398
58$1,186,396$797,101$704,440$1,235,022
59$1,270,662$799,413$691,293$1,313,886
60$1,362,366$800,681$676,548$1,399,599
61$1,462,230$800,816$660,114$1,492,831
62$1,571,048$799,727$641,899$1,594,324
63$1,689,696$797,314$621,803$1,704,891
64$1,819,135$793,473$599,723$1,825,430
65$1,960,425$788,091$575,553$1,956,929
66$2,114,732$781,052$549,178$2,100,476
67$2,283,341$772,229$520,481$2,257,272
68$2,467,664$761,491$489,340$2,428,638
69$2,669,258$748,697$455,625$2,616,028
70$2,889,837$733,697$419,202$2,821,047
71$3,131,286$716,334$379,932$3,045,461
72$3,395,683$696,440$337,666$3,291,218
73$3,685,317$673,840$292,252$3,560,462
74$4,002,707$648,346$243,529$3,855,555
75$4,350,627$619,759$191,332$4,179,104
76$4,732,134$587,870$135,484$4,533,975
77$5,150,593$552,457$75,805$4,923,332
78$5,609,713$513,287$12,103$5,350,657
79$6,113,576$470,110$0$5,819,791
80$6,666,681$422,665$0$6,340,327
81$7,273,982$370,676$0$6,913,153
82$7,940,938$313,849$0$7,542,260
83$8,673,561$251,875$0$8,233,332
84$9,478,476$184,428$0$8,992,628
85$10,362,978$111,163$0$9,827,046
86$11,335,107$31,715$0$10,744,185
87$12,403,719$0$0$11,752,419
88$13,578,571$0$0$12,863,961
89$14,870,412$0$0$14,088,116
90$16,291,087$0$0$15,434,364
91$17,853,642$0$0$16,915,071
92$19,572,456$0$0$18,543,862
93$21,463,368$0$0$20,335,748
94$23,543,830$0$0$22,307,270
95$25,833,072$0$0$24,476,651
96$28,352,281$0$0$26,863,972
97$31,124,803$0$0$29,491,356
98$34,176,361$0$0$32,383,181
99$37,535,298$0$0$35,566,310
100$41,232,844$0$0$39,070,340