Can I retire at age 52 with 727,000?

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 $727,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$60,035$59,500$58,978$58,469$57,972$57,129
2 years$29,720$29,167$28,630$28,110$27,606$26,758
3 years$19,617$19,061$18,526$18,010$17,514$16,689
4 years$14,566$14,012$13,482$12,976$12,491$11,694
5 years$11,536$10,985$10,463$9,966$9,496$8,729
6 years$9,517$8,970$8,455$7,970$7,514$6,778
7 years$8,075$7,533$7,026$6,553$6,111$5,407
8 years$6,995$6,457$5,959$5,497$5,069$4,397
9 years$6,155$5,622$5,132$4,682$4,269$3,628
10 years$5,483$4,956$4,475$4,036$3,637$3,027
11 years$4,934$4,412$3,939$3,513$3,128$2,548
12 years$4,476$3,960$3,496$3,081$2,711$2,160
13 years$4,089$3,579$3,124$2,720$2,364$1,842
14 years$3,758$3,253$2,806$2,415$2,072$1,578
15 years$3,472$2,972$2,534$2,153$1,825$1,357
16 years$3,221$2,726$2,297$1,928$1,613$1,171
17 years$3,000$2,511$2,090$1,732$1,430$1,014
18 years$2,804$2,320$1,908$1,561$1,271$879
19 years$2,628$2,150$1,747$1,411$1,133$764
20 years$2,471$1,998$1,603$1,278$1,012$666
21 years$2,328$1,861$1,475$1,160$906$580
22 years$2,199$1,737$1,359$1,054$812$507
23 years$2,081$1,625$1,255$960$729$443
24 years$1,973$1,522$1,161$876$655$388
25 years$1,874$1,429$1,075$800$589$340
26 years$1,783$1,343$997$731$531$298
27 years$1,699$1,264$926$669$479$261
28 years$1,620$1,191$861$613$432$229
29 years$1,548$1,123$801$562$390$201
30 years$1,480$1,061$746$516$352$177
31 years$1,417$1,003$695$474$319$155
32 years$1,357$949$649$436$288$136
33 years$1,302$899$606$401$261$120
34 years$1,250$852$566$369$236$105
35 years$1,201$808$529$339$214$93
36 years$1,155$767$495$312$194$82
37 years$1,111$728$463$288$176$72
38 years$1,070$692$434$265$159$63
39 years$1,031$658$407$245$144$56
40 years$994$626$381$226$131$49
41 years$959$596$357$208$119$43
42 years$926$568$335$192$108$38
43 years$894$541$315$177$98$33
44 years$864$516$295$164$89$29
45 years$835$492$277$151$81$26
46 years$808$469$260$140$73$23
47 years$782$448$245$129$66$20
48 years$757$427$230$119$60$18
49 years$733$408$216$110$55$16
50 years$710$390$203$102$50$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $727,000, adding $5,635 every year, while hoping to spend $45,077 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: 36/48/16 Blend
51$727,000$727,000$727,000$727,000
52$806,967$768,436$757,167$831,886
53$841,316$758,127$734,571$840,114
54$877,657$745,803$709,706$844,313
55$916,148$731,317$682,451$847,884
56$956,956$714,513$652,675$850,795
57$1,000,270$695,228$620,243$853,013
58$1,046,291$673,287$585,014$854,510
59$1,095,241$648,508$546,841$855,256
60$1,147,365$620,694$505,570$855,225
61$1,202,929$589,640$461,039$854,391
62$1,262,224$555,128$413,080$852,734
63$1,325,569$516,929$361,517$850,234
64$1,393,316$474,797$306,166$846,879
65$1,465,848$428,475$246,836$842,659
66$1,543,586$377,692$183,327$837,571
67$1,626,992$322,160$115,429$831,619
68$1,716,574$261,574$42,924$824,815
69$1,812,887$195,614$0$817,181
70$1,916,543$123,940$0$814,631
71$2,028,212$46,195$0$819,530
72$2,148,630$0$0$824,646
73$2,278,608$0$0$850,168
74$2,419,035$0$0$904,183
75$2,570,888$0$0$962,678
76$2,735,240$0$0$1,026,076
77$2,913,273$0$0$1,094,846
78$3,106,285$0$0$1,169,499
79$3,315,704$0$0$1,250,601
80$3,543,100$0$0$1,338,772
81$3,790,200$0$0$1,434,696
82$4,058,904$0$0$1,539,124
83$4,351,302$0$0$1,652,883
84$4,669,694$0$0$1,776,885
85$5,016,610$0$0$1,912,130
86$5,394,836$0$0$2,059,721
87$5,807,437$0$0$2,220,871
88$6,257,786$0$0$2,396,918
89$6,749,598$0$0$2,589,330
90$7,286,960$0$0$2,799,729
91$7,874,374$0$0$3,029,897
92$8,516,794$0$0$3,281,796
93$9,219,677$0$0$3,557,588
94$9,989,031$0$0$3,859,655
95$10,831,470$0$0$4,190,617
96$11,754,281$0$0$4,553,361
97$12,765,485$0$0$4,951,068
98$13,873,918$0$0$5,387,238
99$15,089,311$0$0$5,865,729
100$16,422,383$0$0$6,390,789