Can I retire at age 52 with 729,000?

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 $729,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$60,200$59,664$59,141$58,630$58,131$56,566
2 years$29,802$29,247$28,709$28,188$27,682$26,115
3 years$19,671$19,113$18,577$18,060$17,562$16,044
4 years$14,606$14,050$13,519$13,011$12,526$11,068
5 years$11,568$11,016$10,491$9,994$9,522$8,128
6 years$9,543$8,995$8,479$7,992$7,534$6,206
7 years$8,098$7,554$7,046$6,571$6,127$4,865
8 years$7,014$6,475$5,975$5,512$5,083$3,886
9 years$6,171$5,638$5,147$4,695$4,281$3,147
10 years$5,498$4,969$4,487$4,047$3,647$2,576
11 years$4,947$4,424$3,950$3,522$3,137$2,126
12 years$4,488$3,971$3,506$3,090$2,718$1,767
13 years$4,101$3,588$3,132$2,728$2,371$1,476
14 years$3,769$3,262$2,814$2,421$2,078$1,238
15 years$3,481$2,980$2,541$2,159$1,830$1,042
16 years$3,230$2,734$2,304$1,933$1,617$880
17 years$3,008$2,518$2,096$1,737$1,434$745
18 years$2,811$2,326$1,914$1,566$1,275$631
19 years$2,636$2,156$1,752$1,415$1,136$536
20 years$2,478$2,004$1,608$1,281$1,015$456
21 years$2,335$1,866$1,479$1,163$908$389
22 years$2,205$1,742$1,363$1,057$814$331
23 years$2,087$1,629$1,258$963$731$283
24 years$1,979$1,527$1,164$878$657$242
25 years$1,879$1,433$1,078$802$591$206
26 years$1,788$1,346$1,000$733$532$176
27 years$1,703$1,267$928$671$480$151
28 years$1,625$1,194$863$615$433$129
29 years$1,552$1,126$803$564$391$111
30 years$1,484$1,064$748$518$353$95
31 years$1,421$1,006$697$475$320$81
32 years$1,361$952$651$437$289$69
33 years$1,306$901$608$402$262$59
34 years$1,253$854$568$370$237$51
35 years$1,204$810$531$340$214$44
36 years$1,158$769$496$313$194$37
37 years$1,114$730$465$289$176$32
38 years$1,073$694$435$266$160$28
39 years$1,034$660$408$245$145$24
40 years$997$628$382$226$131$20
41 years$962$598$358$209$119$17
42 years$928$569$336$193$108$15
43 years$896$542$315$178$98$13
44 years$866$517$296$164$89$11
45 years$837$493$278$152$81$9
46 years$810$470$261$140$73$8
47 years$784$449$245$129$67$7
48 years$759$428$231$120$61$6
49 years$735$409$217$111$55$5
50 years$712$391$204$102$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $729,000, adding $5,235 every year, while hoping to spend $23,278 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: 40/45/15 Blend
51$729,000$729,000$729,000$729,000
52$808,758$770,121$758,821$837,306
53$866,484$783,089$759,474$871,022
54$929,317$795,913$759,369$904,809
55$997,755$808,560$758,455$940,859
56$1,072,343$820,997$756,681$979,390
57$1,153,683$833,187$753,991$1,020,640
58$1,242,437$845,091$750,327$1,064,874
59$1,339,332$856,667$745,630$1,112,384
60$1,445,171$867,871$739,836$1,163,492
61$1,560,837$878,654$732,878$1,218,554
62$1,687,300$888,966$724,687$1,277,965
63$1,825,631$898,752$715,191$1,342,159
64$1,977,008$907,953$704,312$1,411,615
65$2,142,728$916,508$691,972$1,486,864
66$2,324,219$924,350$678,086$1,568,492
67$2,523,055$931,409$662,568$1,657,144
68$2,740,968$937,610$645,325$1,753,536
69$2,979,866$942,871$626,263$1,858,455
70$3,241,850$947,110$605,280$1,972,772
71$3,529,234$950,234$582,272$2,097,449
72$3,844,568$952,147$557,131$2,233,547
73$4,190,660$952,749$529,741$2,382,237
74$4,570,603$951,928$499,982$2,544,814
75$4,987,803$949,572$467,730$2,722,705
76$5,446,014$945,556$432,854$2,917,487
77$5,949,370$939,751$395,218$3,130,899
78$6,502,427$932,020$354,678$3,364,864
79$7,110,201$922,215$311,087$3,621,500
80$7,778,221$910,183$264,288$3,903,147
81$8,512,576$895,759$214,118$4,212,386
82$9,319,977$878,769$160,409$4,552,068
83$10,207,814$859,028$102,982$4,925,336
84$11,184,233$836,342$41,653$5,335,659
85$12,258,205$810,504$0$5,786,866
86$13,439,619$781,295$0$6,286,987
87$14,739,365$748,483$0$6,844,238
88$16,169,446$711,825$0$7,457,117
89$17,743,085$671,060$0$8,131,333
90$19,474,852$625,915$0$8,873,178
91$21,380,802$576,099$0$9,689,591
92$23,478,624$521,308$0$10,588,226
93$25,787,808$461,217$0$11,577,520
94$28,329,832$395,483$0$12,666,779
95$31,128,359$323,747$0$13,866,265
96$34,209,466$245,625$0$15,187,289
97$37,601,885$160,714$0$16,642,327
98$41,337,278$68,589$0$18,245,135
99$45,450,530$0$0$20,010,876
100$49,980,085$0$0$21,971,723