Can I retire at age 52 with 731,000?

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 $731,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$60,365$59,828$59,303$58,791$58,291$56,538
2 years$29,884$29,327$28,788$28,265$27,758$26,007
3 years$19,725$19,166$18,628$18,110$17,611$15,916
4 years$14,646$14,089$13,556$13,047$12,560$10,935
5 years$11,600$11,046$10,520$10,021$9,548$7,997
6 years$9,569$9,020$8,502$8,014$7,555$6,079
7 years$8,120$7,575$7,065$6,589$6,144$4,744
8 years$7,033$6,493$5,992$5,527$5,097$3,771
9 years$6,188$5,653$5,161$4,708$4,293$3,040
10 years$5,513$4,983$4,499$4,058$3,657$2,476
11 years$4,961$4,436$3,961$3,532$3,146$2,033
12 years$4,501$3,982$3,515$3,098$2,726$1,680
13 years$4,112$3,598$3,141$2,735$2,377$1,396
14 years$3,779$3,271$2,822$2,428$2,084$1,164
15 years$3,491$2,988$2,548$2,165$1,835$975
16 years$3,239$2,741$2,310$1,939$1,621$818
17 years$3,016$2,525$2,102$1,742$1,438$689
18 years$2,819$2,333$1,919$1,570$1,278$580
19 years$2,643$2,162$1,757$1,418$1,139$490
20 years$2,484$2,009$1,612$1,285$1,018$414
21 years$2,341$1,871$1,483$1,166$911$351
22 years$2,211$1,747$1,367$1,060$816$297
23 years$2,093$1,634$1,262$965$733$252
24 years$1,984$1,531$1,167$881$659$214
25 years$1,885$1,437$1,081$804$593$182
26 years$1,793$1,350$1,002$735$534$154
27 years$1,708$1,271$931$673$481$131
28 years$1,629$1,197$865$617$434$111
29 years$1,556$1,130$805$565$392$95
30 years$1,488$1,067$750$519$354$81
31 years$1,424$1,008$699$477$320$69
32 years$1,365$954$652$438$290$58
33 years$1,309$904$609$403$262$50
34 years$1,257$856$569$371$237$42
35 years$1,207$812$532$341$215$36
36 years$1,161$771$498$314$195$31
37 years$1,117$732$466$290$177$26
38 years$1,076$696$436$267$160$22
39 years$1,037$662$409$246$145$19
40 years$999$630$383$227$132$16
41 years$964$599$359$209$119$14
42 years$931$571$337$193$108$12
43 years$899$544$316$178$98$10
44 years$869$518$297$165$89$8
45 years$840$494$279$152$81$7
46 years$812$472$262$141$74$6
47 years$786$450$246$130$67$5
48 years$761$430$231$120$61$4
49 years$737$410$217$111$55$4
50 years$714$392$204$102$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $731,000, adding $4,119 every year, while hoping to spend $42,064 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: 70/20/10 Blend
51$731,000$731,000$731,000$731,000
52$809,811$771,068$759,737$864,618
53$847,656$764,094$740,433$894,496
54$887,951$755,369$719,072$921,661
55$930,902$744,763$695,541$950,260
56$976,734$732,136$669,721$980,424
57$1,025,694$717,344$641,490$1,012,301
58$1,078,052$700,231$610,717$1,046,054
59$1,134,104$680,632$577,267$1,081,863
60$1,194,175$658,376$540,997$1,119,927
61$1,258,622$633,277$501,762$1,160,469
62$1,327,835$605,142$459,405$1,203,733
63$1,402,244$573,764$413,765$1,249,990
64$1,482,321$538,926$364,674$1,299,541
65$1,568,583$500,398$311,955$1,352,719
66$1,661,598$457,937$255,425$1,409,893
67$1,761,990$411,286$194,892$1,471,471
68$1,870,446$360,172$130,154$1,537,903
69$1,987,720$304,309$61,002$1,609,691
70$2,114,640$243,392$0$1,687,387
71$2,252,117$177,103$0$1,772,969
72$2,401,154$105,101$0$1,872,783
73$2,562,850$27,030$0$1,981,089
74$2,738,418$0$0$2,098,741
75$2,929,190$0$0$2,239,336
76$3,136,632$0$0$2,398,718
77$3,362,355$0$0$2,572,184
78$3,608,135$0$0$2,761,100
79$3,875,923$0$0$2,966,972
80$4,167,868$0$0$3,191,456
81$4,486,333$0$0$3,436,376
82$4,833,923$0$0$3,703,739
83$5,213,502$0$0$3,995,753
84$5,628,222$0$0$4,314,852
85$6,081,557$0$0$4,663,711
86$6,577,329$0$0$5,045,280
87$7,119,746$0$0$5,462,804
88$7,713,443$0$0$5,919,857
89$8,363,523$0$0$6,420,374
90$9,075,605$0$0$6,968,690
91$9,855,878$0$0$7,569,577
92$10,711,158$0$0$8,228,293
93$11,648,950$0$0$8,950,625
94$12,677,523$0$0$9,742,952
95$13,805,982$0$0$10,612,296
96$15,044,358$0$0$11,566,394
97$16,403,698$0$0$12,613,766
98$17,896,173$0$0$13,763,799
99$19,535,188$0$0$15,026,834
100$21,335,511$0$0$16,414,261