Can I retire at age 52 with 703,000?

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 $703,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$58,053$57,536$57,031$56,539$56,058$55,198
2 years$28,739$28,204$27,685$27,182$26,694$25,830
3 years$18,969$18,432$17,914$17,416$16,936$16,094
4 years$14,085$13,549$13,037$12,547$12,079$11,266
5 years$11,155$10,623$10,117$9,637$9,182$8,400
6 years$9,203$8,674$8,176$7,707$7,266$6,516
7 years$7,809$7,285$6,794$6,336$5,909$5,192
8 years$6,764$6,244$5,762$5,316$4,902$4,217
9 years$5,951$5,437$4,963$4,528$4,128$3,476
10 years$5,302$4,792$4,327$3,903$3,517$2,896
11 years$4,771$4,266$3,809$3,397$3,025$2,435
12 years$4,328$3,829$3,381$2,979$2,621$2,062
13 years$3,954$3,460$3,020$2,630$2,286$1,756
14 years$3,634$3,145$2,714$2,335$2,004$1,502
15 years$3,357$2,873$2,450$2,082$1,764$1,290
16 years$3,115$2,636$2,221$1,864$1,559$1,112
17 years$2,901$2,428$2,021$1,675$1,383$961
18 years$2,711$2,244$1,845$1,510$1,229$832
19 years$2,542$2,079$1,689$1,364$1,096$722
20 years$2,389$1,932$1,550$1,236$979$628
21 years$2,252$1,800$1,426$1,121$876$547
22 years$2,127$1,680$1,314$1,020$785$477
23 years$2,013$1,571$1,214$928$705$416
24 years$1,908$1,472$1,122$847$633$364
25 years$1,812$1,382$1,039$773$570$318
26 years$1,724$1,298$964$707$513$278
27 years$1,643$1,222$895$647$463$244
28 years$1,567$1,151$832$593$418$214
29 years$1,497$1,086$774$544$377$187
30 years$1,431$1,026$721$499$341$164
31 years$1,370$970$673$458$308$144
32 years$1,313$918$627$421$279$126
33 years$1,259$869$586$387$252$111
34 years$1,209$824$547$356$228$97
35 years$1,161$781$512$328$207$85
36 years$1,117$741$479$302$187$75
37 years$1,074$704$448$278$170$66
38 years$1,035$669$420$257$154$58
39 years$997$636$393$237$140$51
40 years$961$605$369$218$127$45
41 years$927$576$346$201$115$39
42 years$895$549$324$186$104$35
43 years$864$523$304$172$95$30
44 years$835$499$286$158$86$27
45 years$807$475$268$146$78$23
46 years$781$454$252$135$71$21
47 years$756$433$237$125$64$18
48 years$732$413$222$115$58$16
49 years$708$395$209$107$53$14
50 years$686$377$196$99$48$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $703,000, adding $5,967 every year, while hoping to spend $24,002 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: 89/6/5 Blend
51$703,000$703,000$703,000$703,000
52$780,861$743,602$732,705$849,931
53$834,971$754,501$731,713$906,658
54$893,795$765,129$729,883$965,004
55$957,790$775,448$727,162$1,028,357
56$1,027,457$785,417$723,494$1,097,204
57$1,103,347$794,991$718,820$1,172,080
58$1,186,066$804,124$713,079$1,253,575
59$1,276,284$812,765$706,206$1,342,337
60$1,374,735$820,860$698,134$1,439,080
61$1,482,228$828,353$688,792$1,544,592
62$1,599,655$835,182$678,106$1,659,738
63$1,727,996$841,282$665,998$1,785,472
64$1,868,331$846,584$652,388$1,922,844
65$2,021,848$851,014$637,191$2,073,012
66$2,189,857$854,494$620,317$2,237,251
67$2,373,799$856,941$601,674$2,416,963
68$2,575,261$858,265$581,165$2,613,695
69$2,795,991$858,374$558,688$2,829,150
70$3,037,915$857,167$534,136$3,065,205
71$3,303,151$854,537$507,399$3,323,927
72$3,594,037$850,373$478,361$3,607,593
73$3,913,142$844,555$446,899$3,918,711
74$4,263,300$836,956$412,888$4,260,046
75$4,647,631$827,442$376,194$4,634,642
76$5,069,573$815,869$336,680$5,045,856
77$5,532,910$802,088$294,200$5,497,382
78$6,041,815$785,939$248,604$5,993,295
79$6,600,882$767,251$199,734$6,538,081
80$7,215,171$745,846$147,424$7,136,686
81$7,890,260$721,533$91,504$7,794,557
82$8,632,290$694,113$31,793$8,517,697
83$9,448,031$663,371$0$9,312,721
84$10,344,937$629,083$0$10,188,622
85$11,331,223$591,011$0$11,153,647
86$12,415,940$548,903$0$12,214,961
87$13,609,060$502,493$0$13,382,326
88$14,921,569$451,500$0$14,666,500
89$16,365,572$395,626$0$16,079,337
90$17,954,406$334,558$0$17,633,897
91$19,702,768$267,963$0$19,344,574
92$21,626,848$195,491$0$21,227,226
93$23,744,487$116,771$0$23,299,328
94$26,075,345$31,412$0$25,580,136
95$28,641,080$0$0$28,090,867
96$31,465,562$0$0$30,858,931
97$34,575,088$0$0$33,908,633
98$37,998,637$0$0$37,266,321
99$41,768,139$0$0$40,963,312
100$45,918,781$0$0$45,034,114