Can I retire at age 52 with 714,000?

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 $714,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$58,961$58,436$57,924$57,424$56,935$56,224
2 years$29,189$28,645$28,118$27,608$27,112$26,396
3 years$19,266$18,720$18,194$17,688$17,201$16,503
4 years$14,305$13,761$13,241$12,744$12,268$11,593
5 years$11,330$10,789$10,275$9,788$9,326$8,676
6 years$9,347$8,810$8,304$7,828$7,379$6,755
7 years$7,931$7,399$6,901$6,436$6,001$5,404
8 years$6,870$6,342$5,852$5,399$4,979$4,407
9 years$6,044$5,522$5,041$4,598$4,193$3,647
10 years$5,385$4,867$4,395$3,964$3,572$3,052
11 years$4,845$4,333$3,869$3,450$3,072$2,577
12 years$4,396$3,889$3,434$3,026$2,662$2,192
13 years$4,016$3,515$3,068$2,671$2,322$1,875
14 years$3,691$3,195$2,756$2,371$2,035$1,612
15 years$3,409$2,918$2,489$2,115$1,792$1,391
16 years$3,163$2,678$2,256$1,894$1,584$1,205
17 years$2,946$2,466$2,053$1,701$1,404$1,046
18 years$2,754$2,279$1,874$1,533$1,249$911
19 years$2,581$2,112$1,716$1,385$1,113$795
20 years$2,427$1,962$1,575$1,255$994$695
21 years$2,287$1,828$1,448$1,139$890$608
22 years$2,160$1,706$1,335$1,035$797$533
23 years$2,044$1,596$1,233$943$716$468
24 years$1,938$1,495$1,140$860$643$411
25 years$1,841$1,403$1,056$785$579$361
26 years$1,751$1,319$979$718$521$318
27 years$1,668$1,241$909$657$470$280
28 years$1,591$1,169$845$602$424$247
29 years$1,520$1,103$787$552$383$217
30 years$1,453$1,042$733$507$346$192
31 years$1,391$985$683$466$313$169
32 years$1,333$932$637$428$283$149
33 years$1,279$883$595$393$256$132
34 years$1,227$837$556$362$232$116
35 years$1,179$793$520$333$210$103
36 years$1,134$753$486$307$190$91
37 years$1,091$715$455$283$173$80
38 years$1,051$680$426$261$156$71
39 years$1,012$646$399$240$142$63
40 years$976$615$374$222$129$55
41 years$942$585$351$205$117$49
42 years$909$557$329$189$106$43
43 years$878$531$309$174$96$38
44 years$848$506$290$161$87$34
45 years$820$483$272$149$79$30
46 years$793$461$256$137$72$27
47 years$768$440$240$127$65$23
48 years$743$420$226$117$59$21
49 years$720$401$212$108$54$18
50 years$697$383$200$100$49$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $714,000, adding $4,391 every year, while hoping to spend $32,672 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: 57/13/30 Blend
51$714,000$714,000$714,000$714,000
52$791,357$753,515$742,448$829,698
53$837,313$755,675$732,558$858,723
54$886,861$756,845$721,240$886,578
55$940,334$756,943$708,415$916,287
56$998,095$755,881$693,994$948,041
57$1,060,547$753,565$677,889$982,049
58$1,128,129$749,896$660,004$1,018,547
59$1,201,325$744,768$640,242$1,057,794
60$1,280,669$738,070$618,498$1,100,076
61$1,366,745$729,684$594,666$1,145,712
62$1,460,198$719,483$568,632$1,195,055
63$1,561,735$707,334$540,278$1,248,495
64$1,672,135$693,097$509,481$1,306,463
65$1,792,257$676,623$476,112$1,369,438
66$1,923,042$657,752$440,037$1,437,949
67$2,065,528$636,318$401,114$1,512,582
68$2,220,857$612,143$359,197$1,593,983
69$2,390,286$585,040$314,132$1,682,870
70$2,575,199$554,810$265,758$1,780,035
71$2,777,117$521,243$213,909$1,886,353
72$2,997,718$484,119$158,409$2,002,793
73$3,238,845$443,201$99,077$2,130,426
74$3,502,532$398,242$35,720$2,270,435
75$3,791,014$348,980$0$2,424,128
76$4,106,755$295,137$0$2,603,159
77$4,452,466$236,422$0$2,811,781
78$4,831,136$172,524$0$3,040,381
79$5,246,052$103,118$0$3,290,982
80$5,700,836$27,858$0$3,565,810
81$6,199,479$0$0$3,867,320
82$6,746,374$0$0$4,205,891
83$7,346,361$0$0$4,581,766
84$8,004,769$0$0$4,994,306
85$8,727,472$0$0$5,447,199
86$9,520,935$0$0$5,944,507
87$10,392,285$0$0$6,490,704
88$11,349,369$0$0$7,090,718
89$12,400,834$0$0$7,749,979
90$13,556,203$0$0$8,474,469
91$14,825,971$0$0$9,270,778
92$16,221,696$0$0$10,146,166
93$17,756,115$0$0$11,108,631
94$19,443,258$0$0$12,166,985
95$21,298,585$0$0$13,330,938
96$23,339,127$0$0$14,611,185
97$25,583,648$0$0$16,019,514
98$28,052,825$0$0$17,568,909
99$30,769,436$0$0$19,273,677
100$33,758,581$0$0$21,149,583