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%12.9%
1 years$60,283$59,746$59,222$58,711$58,211$57,508
2 years$29,843$29,287$28,748$28,226$27,720$27,012
3 years$19,698$19,139$18,602$18,085$17,586$16,896
4 years$14,626$14,070$13,538$13,029$12,543$11,875
5 years$11,584$11,031$10,506$10,008$9,535$8,892
6 years$9,556$9,007$8,490$8,003$7,545$6,927
7 years$8,109$7,564$7,055$6,580$6,136$5,544
8 years$7,024$6,484$5,984$5,520$5,090$4,524
9 years$6,180$5,646$5,154$4,702$4,287$3,746
10 years$5,505$4,976$4,493$4,053$3,652$3,137
11 years$4,954$4,430$3,956$3,527$3,141$2,651
12 years$4,495$3,976$3,510$3,094$2,722$2,256
13 years$4,106$3,593$3,136$2,731$2,374$1,931
14 years$3,774$3,266$2,818$2,425$2,081$1,661
15 years$3,486$2,984$2,544$2,162$1,832$1,434
16 years$3,234$2,738$2,307$1,936$1,619$1,243
17 years$3,012$2,521$2,099$1,740$1,436$1,080
18 years$2,815$2,330$1,916$1,568$1,277$941
19 years$2,639$2,159$1,754$1,417$1,138$822
20 years$2,481$2,006$1,610$1,283$1,016$719
21 years$2,338$1,869$1,481$1,164$910$630
22 years$2,208$1,745$1,365$1,059$815$552
23 years$2,090$1,632$1,260$964$732$485
24 years$1,982$1,529$1,165$879$658$427
25 years$1,882$1,435$1,079$803$592$375
26 years$1,790$1,348$1,001$734$533$331
27 years$1,706$1,269$930$672$481$291
28 years$1,627$1,196$864$616$434$257
29 years$1,554$1,128$804$565$392$227
30 years$1,486$1,065$749$518$354$200
31 years$1,422$1,007$698$476$320$177
32 years$1,363$953$652$437$289$156
33 years$1,307$902$608$402$262$138
34 years$1,255$855$568$370$237$122
35 years$1,206$811$531$341$215$108
36 years$1,159$770$497$314$195$95
37 years$1,116$731$465$289$176$84
38 years$1,074$695$436$266$160$75
39 years$1,035$661$408$246$145$66
40 years$998$629$383$227$132$58
41 years$963$598$359$209$119$52
42 years$929$570$337$193$108$46
43 years$898$543$316$178$98$40
44 years$867$518$296$164$89$36
45 years$839$494$278$152$81$32
46 years$811$471$261$140$74$28
47 years$785$449$246$130$67$25
48 years$760$429$231$120$61$22
49 years$736$410$217$111$55$19
50 years$713$391$204$102$50$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $730,000, adding $2,231 every year, while hoping to spend $38,889 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: 34/39/27 Blend
51$730,000$730,000$730,000$730,000
52$806,761$768,071$756,756$827,527
53$847,673$764,329$740,730$839,598
54$891,455$759,100$722,863$848,959
55$938,358$752,271$703,054$858,296
56$988,658$743,720$681,194$867,631
57$1,042,659$733,319$657,171$876,995
58$1,100,692$720,934$630,868$886,425
59$1,163,122$706,419$602,162$895,964
60$1,230,350$689,623$570,924$905,663
61$1,302,816$670,385$537,020$915,585
62$1,381,003$648,534$500,311$925,802
63$1,465,442$623,889$460,648$936,398
64$1,556,717$596,259$417,879$947,470
65$1,655,468$565,442$371,844$959,132
66$1,762,401$531,224$322,376$971,514
67$1,878,290$493,378$269,300$984,764
68$2,003,988$451,666$212,434$999,054
69$2,140,432$405,835$151,587$1,014,578
70$2,288,652$355,617$86,562$1,031,558
71$2,449,783$300,730$17,149$1,050,245
72$2,625,071$240,875$0$1,070,925
73$2,815,888$175,739$0$1,110,318
74$3,023,746$104,987$0$1,158,729
75$3,250,304$28,268$0$1,211,689
76$3,497,394$0$0$1,269,732
77$3,767,026$0$0$1,356,963
78$4,061,417$0$0$1,465,550
79$4,383,006$0$0$1,584,273
80$4,734,478$0$0$1,714,137
81$5,118,789$0$0$1,856,247
82$5,539,193$0$0$2,011,822
83$5,999,275$0$0$2,182,202
84$6,502,980$0$0$2,368,864
85$7,054,654$0$0$2,573,433
86$7,659,082$0$0$2,797,702
87$8,321,535$0$0$3,043,641
88$9,047,817$0$0$3,313,425
89$9,844,320$0$0$3,609,446
90$10,718,086$0$0$3,934,339
91$11,676,870$0$0$4,291,009
92$12,729,214$0$0$4,682,652
93$13,884,529$0$0$5,112,794
94$15,153,179$0$0$5,585,313
95$16,546,582$0$0$6,104,487
96$18,077,318$0$0$6,675,025
97$19,759,244$0$0$7,302,116
98$21,607,623$0$0$7,991,476
99$23,639,275$0$0$8,749,405
100$25,872,727$0$0$9,582,840