Can I retire at age 52 with 719,000?

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 $719,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$59,374$58,845$58,329$57,826$57,334$57,068
2 years$29,393$28,846$28,315$27,801$27,302$27,034
3 years$19,401$18,851$18,322$17,812$17,321$17,059
4 years$14,406$13,858$13,334$12,833$12,354$12,099
5 years$11,409$10,864$10,347$9,857$9,391$9,145
6 years$9,412$8,872$8,362$7,883$7,431$7,194
7 years$7,987$7,450$6,949$6,481$6,043$5,815
8 years$6,918$6,386$5,893$5,436$5,014$4,795
9 years$6,087$5,560$5,076$4,631$4,222$4,012
10 years$5,422$4,901$4,425$3,992$3,597$3,396
11 years$4,879$4,363$3,896$3,474$3,094$2,902
12 years$4,427$3,916$3,458$3,047$2,681$2,497
13 years$4,044$3,539$3,089$2,690$2,338$2,163
14 years$3,717$3,217$2,776$2,388$2,049$1,882
15 years$3,433$2,939$2,506$2,130$1,805$1,645
16 years$3,185$2,696$2,272$1,907$1,595$1,444
17 years$2,967$2,483$2,067$1,713$1,414$1,270
18 years$2,773$2,295$1,887$1,544$1,257$1,121
19 years$2,600$2,127$1,728$1,395$1,121$992
20 years$2,444$1,976$1,586$1,264$1,001$879
21 years$2,303$1,841$1,459$1,147$896$780
22 years$2,175$1,718$1,344$1,043$803$694
23 years$2,058$1,607$1,241$950$721$618
24 years$1,952$1,506$1,148$866$648$551
25 years$1,854$1,413$1,063$791$583$491
26 years$1,763$1,328$986$723$525$439
27 years$1,680$1,250$916$662$473$392
28 years$1,602$1,178$851$607$427$351
29 years$1,531$1,111$792$556$386$314
30 years$1,464$1,049$738$510$349$281
31 years$1,401$992$688$469$315$252
32 years$1,342$939$642$431$285$226
33 years$1,288$889$599$396$258$203
34 years$1,236$842$560$365$234$182
35 years$1,188$799$523$336$212$163
36 years$1,142$758$490$309$192$147
37 years$1,099$720$458$285$174$132
38 years$1,058$684$429$262$157$118
39 years$1,020$651$402$242$143$106
40 years$983$619$377$223$130$95
41 years$948$589$353$206$118$86
42 years$915$561$332$190$107$77
43 years$884$535$311$175$97$69
44 years$854$510$292$162$88$62
45 years$826$486$274$150$80$56
46 years$799$464$258$138$72$50
47 years$773$443$242$128$66$45
48 years$748$423$227$118$60$41
49 years$725$404$214$109$54$37
50 years$702$385$201$101$49$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $719,000, adding $4,688 every year, while hoping to spend $31,711 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: 22/49/29 Blend
51$719,000$719,000$719,000$719,000
52$797,174$759,067$747,922$807,327
53$844,745$762,521$739,237$820,199
54$896,106$765,081$729,199$831,018
55$951,609$766,671$717,727$841,915
56$1,011,643$767,207$704,741$852,916
57$1,076,634$766,604$690,153$864,056
58$1,147,051$764,768$673,874$875,372
59$1,223,410$761,600$655,807$886,912
60$1,306,276$756,998$635,856$898,728
61$1,396,275$750,849$613,915$910,885
62$1,494,091$743,037$589,878$923,456
63$1,600,480$733,437$563,630$936,526
64$1,716,270$721,917$535,053$950,194
65$1,842,377$708,338$504,025$964,572
66$1,979,804$692,551$470,415$979,789
67$2,129,659$674,401$434,088$995,991
68$2,293,158$653,720$394,903$1,013,348
69$2,471,641$630,334$352,714$1,032,049
70$2,666,584$604,056$307,366$1,052,310
71$2,879,611$574,690$258,697$1,074,376
72$3,112,509$542,027$206,541$1,098,523
73$3,367,246$505,848$150,722$1,125,063
74$3,645,991$465,920$91,057$1,154,347
75$3,951,129$421,997$27,354$1,186,770
76$4,285,288$373,819$0$1,222,775
77$4,651,363$321,111$0$1,275,433
78$5,052,539$263,584$0$1,342,579
79$5,492,329$200,929$0$1,416,435
80$5,974,596$132,825$0$1,497,769
81$6,503,599$58,927$0$1,587,439
82$7,084,028$0$0$1,686,394
83$7,721,047$0$0$1,807,081
84$8,420,348$0$0$1,974,578
85$9,188,198$0$0$2,158,629
86$10,031,501$0$0$2,360,908
87$10,957,864$0$0$2,583,254
88$11,975,665$0$0$2,827,699
89$13,094,134$0$0$3,096,477
90$14,323,441$0$0$3,392,051
91$15,674,790$0$0$3,717,135
92$17,160,522$0$0$4,074,720
93$18,794,237$0$0$4,468,099
94$20,590,915$0$0$4,900,902
95$22,567,064$0$0$5,377,128
96$24,740,871$0$0$5,901,183
97$27,132,373$0$0$6,477,924
98$29,763,647$0$0$7,112,698
99$32,659,021$0$0$7,811,402
100$35,845,297$0$0$8,580,529