Can I retire at age 52 with 728,000?

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 $728,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$60,118$59,582$59,060$58,550$58,052$56,579
2 years$29,761$29,207$28,670$28,149$27,644$26,170
3 years$19,644$19,087$18,551$18,035$17,538$16,109
4 years$14,586$14,031$13,501$12,993$12,508$11,135
5 years$11,552$11,000$10,477$9,980$9,509$8,195
6 years$9,530$8,983$8,467$7,981$7,524$6,271
7 years$8,087$7,544$7,036$6,562$6,119$4,927
8 years$7,004$6,466$5,967$5,505$5,076$3,944
9 years$6,163$5,630$5,139$4,689$4,275$3,202
10 years$5,490$4,963$4,481$4,042$3,642$2,628
11 years$4,940$4,418$3,945$3,517$3,133$2,175
12 years$4,482$3,965$3,501$3,085$2,715$1,811
13 years$4,095$3,583$3,128$2,724$2,367$1,517
14 years$3,763$3,257$2,810$2,418$2,075$1,276
15 years$3,476$2,976$2,537$2,156$1,827$1,077
16 years$3,225$2,730$2,300$1,931$1,615$912
17 years$3,004$2,514$2,093$1,735$1,432$774
18 years$2,808$2,323$1,911$1,563$1,273$659
19 years$2,632$2,153$1,749$1,413$1,135$561
20 years$2,474$2,001$1,606$1,279$1,014$479
21 years$2,332$1,864$1,477$1,161$907$409
22 years$2,202$1,740$1,361$1,056$813$350
23 years$2,084$1,627$1,257$962$730$300
24 years$1,976$1,525$1,162$877$656$257
25 years$1,877$1,431$1,076$801$590$220
26 years$1,785$1,345$998$732$532$189
27 years$1,701$1,265$927$670$479$162
28 years$1,623$1,192$862$614$433$139
29 years$1,550$1,125$802$563$391$119
30 years$1,482$1,062$747$517$353$103
31 years$1,419$1,004$696$475$319$88
32 years$1,359$950$650$436$289$76
33 years$1,304$900$607$401$261$65
34 years$1,252$853$567$369$236$56
35 years$1,202$809$530$340$214$48
36 years$1,156$768$496$313$194$41
37 years$1,113$729$464$288$176$36
38 years$1,071$693$435$266$159$31
39 years$1,032$659$407$245$145$26
40 years$995$627$382$226$131$23
41 years$960$597$358$209$119$19
42 years$927$568$336$192$108$17
43 years$895$542$315$178$98$14
44 years$865$516$296$164$89$12
45 years$836$492$278$151$81$11
46 years$809$470$261$140$73$9
47 years$783$448$245$129$67$8
48 years$758$428$230$119$60$7
49 years$734$409$216$110$55$6
50 years$711$390$203$102$50$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $728,000, adding $2,247 every year, while hoping to spend $37,767 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: 76/11/13 Blend
51$728,000$728,000$728,000$728,000
52$804,574$765,990$754,706$863,430
53$846,457$763,339$739,805$899,909
54$891,345$759,294$723,138$934,909
55$939,507$753,744$704,608$972,229
56$991,235$746,575$684,111$1,012,089
57$1,046,850$737,666$661,537$1,054,728
58$1,106,704$726,887$636,774$1,100,411
59$1,171,186$714,103$609,704$1,149,433
60$1,240,720$699,167$580,202$1,202,114
61$1,315,774$681,926$548,139$1,258,814
62$1,396,861$662,218$513,380$1,319,923
63$1,484,545$639,872$475,783$1,385,876
64$1,579,447$614,704$435,200$1,457,153
65$1,682,249$586,523$391,478$1,534,281
66$1,793,700$555,124$344,454$1,617,843
67$1,914,625$520,293$293,960$1,708,482
68$2,045,930$481,800$239,821$1,806,907
69$2,188,613$439,406$181,853$1,913,903
70$2,343,770$392,856$119,864$2,030,331
71$2,512,609$341,880$53,654$2,157,146
72$2,696,457$286,194$0$2,295,399
73$2,896,776$225,498$0$2,448,609
74$3,115,173$159,474$0$2,623,792
75$3,353,420$87,787$0$2,814,942
76$3,613,463$10,083$0$3,023,649
77$3,897,447$0$0$3,251,667
78$4,207,734$0$0$3,509,884
79$4,546,921$0$0$3,793,514
80$4,917,870$0$0$4,103,730
81$5,323,731$0$0$4,443,172
82$5,767,974$0$0$4,814,744
83$6,254,419$0$0$5,221,646
84$6,787,271$0$0$5,667,398
85$7,371,163$0$0$6,155,882
86$8,011,197$0$0$6,691,369
87$8,712,993$0$0$7,278,564
88$9,482,738$0$0$7,922,651
89$10,327,250$0$0$8,629,337
90$11,254,035$0$0$9,404,911
91$12,271,365$0$0$10,256,297
92$13,388,350$0$0$11,191,125
93$14,615,024$0$0$12,217,800
94$15,962,442$0$0$13,345,579
95$17,442,782$0$0$14,584,660
96$19,069,461$0$0$15,946,279
97$20,857,257$0$0$17,442,814
98$22,822,454$0$0$19,087,900
99$24,982,991$0$0$20,896,563
100$27,358,630$0$0$22,885,352