Can I retire at age 52 with 726,000?

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 $726,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$59,952$59,418$58,897$58,389$57,892$55,573
2 years$29,679$29,127$28,591$28,072$27,568$25,261
3 years$19,590$19,035$18,500$17,986$17,490$15,267
4 years$14,546$13,992$13,463$12,958$12,474$10,353
5 years$11,520$10,970$10,448$9,953$9,483$7,468
6 years$9,504$8,958$8,444$7,959$7,503$5,597
7 years$8,064$7,523$7,017$6,544$6,102$4,303
8 years$6,985$6,449$5,951$5,489$5,062$3,368
9 years$6,146$5,615$5,125$4,676$4,263$2,672
10 years$5,475$4,949$4,468$4,031$3,632$2,141
11 years$4,927$4,406$3,934$3,508$3,124$1,729
12 years$4,470$3,954$3,491$3,077$2,707$1,404
13 years$4,084$3,574$3,119$2,716$2,361$1,146
14 years$3,753$3,248$2,803$2,411$2,069$939
15 years$3,467$2,967$2,530$2,150$1,822$771
16 years$3,216$2,723$2,294$1,925$1,610$636
17 years$2,996$2,507$2,088$1,730$1,428$525
18 years$2,800$2,317$1,906$1,559$1,270$434
19 years$2,625$2,147$1,745$1,409$1,132$359
20 years$2,467$1,995$1,601$1,276$1,011$298
21 years$2,325$1,859$1,473$1,158$905$247
22 years$2,196$1,735$1,357$1,053$811$205
23 years$2,078$1,623$1,253$959$728$170
24 years$1,971$1,520$1,159$875$654$142
25 years$1,872$1,427$1,074$799$589$118
26 years$1,781$1,341$996$730$530$98
27 years$1,696$1,262$925$668$478$82
28 years$1,618$1,189$859$612$431$68
29 years$1,545$1,122$800$562$390$56
30 years$1,478$1,059$745$515$352$47
31 years$1,415$1,002$695$473$318$39
32 years$1,356$948$648$435$288$33
33 years$1,300$897$605$400$260$27
34 years$1,248$851$565$368$236$23
35 years$1,199$807$529$339$214$19
36 years$1,153$766$494$312$194$16
37 years$1,110$727$463$288$175$13
38 years$1,068$691$433$265$159$11
39 years$1,029$657$406$244$144$9
40 years$993$625$381$225$131$8
41 years$958$595$357$208$119$6
42 years$924$567$335$192$108$5
43 years$893$540$314$177$98$4
44 years$863$515$295$164$89$4
45 years$834$491$277$151$81$3
46 years$807$468$260$140$73$3
47 years$780$447$244$129$66$2
48 years$756$427$230$119$60$2
49 years$732$407$216$110$55$1
50 years$709$389$203$102$50$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $726,000, adding $5,518 every year, while hoping to spend $33,864 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: 49/34/17 Blend
51$726,000$726,000$726,000$726,000
52$805,744$767,266$756,013$841,155
53$851,899$768,831$745,308$867,773
54$901,626$769,338$733,110$892,744
55$955,255$768,698$719,332$919,139
56$1,013,147$766,820$703,886$947,103
57$1,075,698$763,604$686,676$976,799
58$1,143,345$758,946$667,605$1,008,407
59$1,216,565$752,734$646,569$1,042,130
60$1,295,888$744,851$623,462$1,078,189
61$1,381,891$735,171$598,170$1,116,835
62$1,475,212$723,562$570,577$1,158,343
63$1,576,551$709,884$540,559$1,203,021
64$1,686,679$693,988$507,987$1,251,207
65$1,806,443$675,717$472,728$1,303,282
66$1,936,777$654,904$434,641$1,359,664
67$2,078,706$631,372$393,580$1,420,819
68$2,233,360$604,936$349,391$1,487,263
69$2,401,982$575,396$301,914$1,559,569
70$2,585,938$542,545$250,983$1,638,371
71$2,786,736$506,161$196,422$1,724,374
72$3,006,031$466,011$138,050$1,818,357
73$3,245,648$421,848$75,677$1,921,184
74$3,507,596$373,410$9,104$2,033,811
75$3,794,085$320,422$0$2,157,297
76$4,107,551$262,592$0$2,304,051
77$4,450,674$199,612$0$2,466,629
78$4,826,407$131,157$0$2,644,855
79$5,238,000$56,883$0$2,840,362
80$5,689,033$0$0$3,054,953
81$6,183,450$0$0$3,299,440
82$6,725,592$0$0$3,590,942
83$7,320,243$0$0$3,910,758
84$7,972,671$0$0$4,261,732
85$8,688,677$0$0$4,646,995
86$9,474,655$0$0$5,069,999
87$10,337,643$0$0$5,534,542
88$11,285,399$0$0$6,044,813
89$12,326,465$0$0$6,605,422
90$13,470,253$0$0$7,221,450
91$14,727,132$0$0$7,898,495
92$16,108,525$0$0$8,642,722
93$17,627,015$0$0$9,460,926
94$19,296,467$0$0$10,360,592
95$21,132,155$0$0$11,349,965
96$23,150,908$0$0$12,438,130
97$25,371,267$0$0$13,635,098
98$27,813,660$0$0$14,951,898
99$30,500,594$0$0$16,400,681
100$33,456,869$0$0$17,994,836