Can I retire at age 52 with 730,000?

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 $730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$60,283$59,746$59,222$58,711$58,211$56,575
2 years$29,843$29,287$28,748$28,226$27,720$26,083
3 years$19,698$19,139$18,602$18,085$17,586$16,002
4 years$14,626$14,070$13,538$13,029$12,543$11,022
5 years$11,584$11,031$10,506$10,008$9,535$8,081
6 years$9,556$9,007$8,490$8,003$7,545$6,160
7 years$8,109$7,564$7,055$6,580$6,136$4,821
8 years$7,024$6,484$5,984$5,520$5,090$3,844
9 years$6,180$5,646$5,154$4,702$4,287$3,107
10 years$5,505$4,976$4,493$4,053$3,652$2,539
11 years$4,954$4,430$3,956$3,527$3,141$2,092
12 years$4,495$3,976$3,510$3,094$2,722$1,734
13 years$4,106$3,593$3,136$2,731$2,374$1,446
14 years$3,774$3,266$2,818$2,425$2,081$1,210
15 years$3,486$2,984$2,544$2,162$1,832$1,017
16 years$3,234$2,738$2,307$1,936$1,619$857
17 years$3,012$2,521$2,099$1,740$1,436$723
18 years$2,815$2,330$1,916$1,568$1,277$612
19 years$2,639$2,159$1,754$1,417$1,138$519
20 years$2,481$2,006$1,610$1,283$1,016$440
21 years$2,338$1,869$1,481$1,164$910$374
22 years$2,208$1,745$1,365$1,059$815$318
23 years$2,090$1,632$1,260$964$732$271
24 years$1,982$1,529$1,165$879$658$231
25 years$1,882$1,435$1,079$803$592$197
26 years$1,790$1,348$1,001$734$533$168
27 years$1,706$1,269$930$672$481$143
28 years$1,627$1,196$864$616$434$122
29 years$1,554$1,128$804$565$392$104
30 years$1,486$1,065$749$518$354$89
31 years$1,422$1,007$698$476$320$76
32 years$1,363$953$652$437$289$65
33 years$1,307$902$608$402$262$56
34 years$1,255$855$568$370$237$48
35 years$1,206$811$531$341$215$41
36 years$1,159$770$497$314$195$35
37 years$1,116$731$465$289$176$30
38 years$1,074$695$436$266$160$25
39 years$1,035$661$408$246$145$22
40 years$998$629$383$227$132$19
41 years$963$598$359$209$119$16
42 years$929$570$337$193$108$14
43 years$898$543$316$178$98$12
44 years$867$518$296$164$89$10
45 years$839$494$278$152$81$8
46 years$811$471$261$140$74$7
47 years$785$449$246$130$67$6
48 years$760$429$231$120$61$5
49 years$736$410$217$111$55$5
50 years$713$391$204$102$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $730,000, adding $6,423 every year, while hoping to spend $30,815 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: 32/46/22 Blend
51$730,000$730,000$730,000$730,000
52$811,085$772,395$761,080$831,365
53$861,029$777,456$753,790$852,227
54$915,034$781,731$745,222$871,451
55$973,483$785,151$735,302$891,523
56$1,036,794$787,640$723,950$912,538
57$1,105,430$789,117$711,085$934,600
58$1,179,897$789,497$696,620$957,828
59$1,260,754$788,689$680,464$982,354
60$1,348,614$786,599$662,523$1,008,327
61$1,444,153$783,122$642,698$1,035,912
62$1,548,113$778,152$620,885$1,065,298
63$1,661,312$771,572$596,976$1,096,690
64$1,784,648$763,262$570,857$1,130,323
65$1,919,113$753,092$542,411$1,166,457
66$2,065,794$740,925$511,514$1,205,380
67$2,225,891$726,617$478,035$1,247,417
68$2,400,724$710,013$441,841$1,292,928
69$2,591,745$690,951$402,790$1,342,315
70$2,800,554$669,258$360,735$1,396,026
71$3,028,911$644,753$315,520$1,454,558
72$3,278,756$617,242$266,986$1,518,466
73$3,552,224$586,521$214,965$1,588,366
74$3,851,664$552,374$159,280$1,664,943
75$4,179,667$514,574$99,749$1,748,958
76$4,539,083$472,878$36,180$1,841,256
77$4,933,051$427,031$0$1,942,777
78$5,365,031$376,763$0$2,061,994
79$5,838,829$321,790$0$2,202,178
80$6,358,642$261,810$0$2,356,160
81$6,929,090$196,505$0$2,525,417
82$7,555,262$125,538$0$2,711,581
83$8,242,764$48,556$0$2,916,457
84$8,997,774$0$0$3,142,041
85$9,827,093$0$0$3,408,165
86$10,738,217$0$0$3,727,660
87$11,739,401$0$0$4,078,857
88$12,839,741$0$0$4,464,961
89$14,049,258$0$0$4,889,506
90$15,378,991$0$0$5,356,381
91$16,841,104$0$0$5,869,874
92$18,448,996$0$0$6,434,708
93$20,217,431$0$0$7,056,088
94$22,162,675$0$0$7,739,748
95$24,302,651$0$0$8,492,004
96$26,657,105$0$0$9,319,819
97$29,247,794$0$0$10,230,863
98$32,098,691$0$0$11,233,586
99$35,236,209$0$0$12,337,301
100$38,689,453$0$0$13,552,269