Can I retire at age 52 with 730,000?

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 $730,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$60,283$59,746$59,222$58,711$58,211$57,532
2 years$29,843$29,287$28,748$28,226$27,720$27,035
3 years$19,698$19,139$18,602$18,085$17,586$16,919
4 years$14,626$14,070$13,538$13,029$12,543$11,897
5 years$11,584$11,031$10,506$10,008$9,535$8,913
6 years$9,556$9,007$8,490$8,003$7,545$6,948
7 years$8,109$7,564$7,055$6,580$6,136$5,564
8 years$7,024$6,484$5,984$5,520$5,090$4,543
9 years$6,180$5,646$5,154$4,702$4,287$3,764
10 years$5,505$4,976$4,493$4,053$3,652$3,154
11 years$4,954$4,430$3,956$3,527$3,141$2,666
12 years$4,495$3,976$3,510$3,094$2,722$2,271
13 years$4,106$3,593$3,136$2,731$2,374$1,945
14 years$3,774$3,266$2,818$2,425$2,081$1,674
15 years$3,486$2,984$2,544$2,162$1,832$1,447
16 years$3,234$2,738$2,307$1,936$1,619$1,255
17 years$3,012$2,521$2,099$1,740$1,436$1,091
18 years$2,815$2,330$1,916$1,568$1,277$951
19 years$2,639$2,159$1,754$1,417$1,138$831
20 years$2,481$2,006$1,610$1,283$1,016$728
21 years$2,338$1,869$1,481$1,164$910$638
22 years$2,208$1,745$1,365$1,059$815$560
23 years$2,090$1,632$1,260$964$732$492
24 years$1,982$1,529$1,165$879$658$433
25 years$1,882$1,435$1,079$803$592$381
26 years$1,790$1,348$1,001$734$533$336
27 years$1,706$1,269$930$672$481$296
28 years$1,627$1,196$864$616$434$262
29 years$1,554$1,128$804$565$392$231
30 years$1,486$1,065$749$518$354$204
31 years$1,422$1,007$698$476$320$180
32 years$1,363$953$652$437$289$159
33 years$1,307$902$608$402$262$141
34 years$1,255$855$568$370$237$125
35 years$1,206$811$531$341$215$110
36 years$1,159$770$497$314$195$98
37 years$1,116$731$465$289$176$86
38 years$1,074$695$436$266$160$77
39 years$1,035$661$408$246$145$68
40 years$998$629$383$227$132$60
41 years$963$598$359$209$119$53
42 years$929$570$337$193$108$47
43 years$898$543$316$178$98$42
44 years$867$518$296$164$89$37
45 years$839$494$278$152$81$33
46 years$811$471$261$140$74$29
47 years$785$449$246$130$67$26
48 years$760$429$231$120$61$23
49 years$736$410$217$111$55$20
50 years$713$391$204$102$50$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $730,000, adding $6,940 every year, while hoping to spend $33,438 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: 46/33/21 Blend
51$730,000$730,000$730,000$730,000
52$811,619$772,929$761,614$843,785
53$858,826$775,224$751,550$869,323
54$909,728$776,512$740,028$893,150
55$964,665$776,706$726,965$918,312
56$1,024,014$775,718$712,271$944,950
57$1,088,187$773,452$695,855$973,219
58$1,157,637$769,805$677,621$1,003,293
59$1,232,861$764,671$657,467$1,035,367
60$1,314,409$757,936$635,288$1,069,654
61$1,402,882$749,478$610,974$1,106,396
62$1,498,943$739,170$584,408$1,145,858
63$1,603,321$726,875$555,471$1,188,336
64$1,716,817$712,449$524,037$1,234,161
65$1,840,313$695,740$489,973$1,283,697
66$1,974,780$676,586$453,143$1,337,351
67$2,121,285$654,817$413,401$1,395,574
68$2,281,004$630,250$370,597$1,458,866
69$2,455,230$602,696$324,575$1,527,782
70$2,645,386$571,950$275,171$1,602,940
71$2,853,039$537,799$222,213$1,685,021
72$3,079,914$500,017$165,522$1,774,782
73$3,327,910$458,363$104,912$1,873,064
74$3,599,118$412,583$40,188$1,980,796
75$3,895,839$362,411$0$2,099,008
76$4,220,609$307,564$0$2,235,314
77$4,576,218$247,742$0$2,394,535
78$4,965,741$182,629$0$2,569,105
79$5,392,561$111,892$0$2,760,624
80$5,860,407$35,180$0$2,970,860
81$6,373,383$0$0$3,201,765
82$6,936,013$0$0$3,472,881
83$7,553,276$0$0$3,784,426
84$8,230,659$0$0$4,126,403
85$8,974,203$0$0$4,501,876
86$9,790,565$0$0$4,914,215
87$10,687,078$0$0$5,367,138
88$11,671,817$0$0$5,864,736
89$12,753,682$0$0$6,411,518
90$13,942,475$0$0$7,012,453
91$15,248,994$0$0$7,673,013
92$16,685,135$0$0$8,399,226
93$18,264,007$0$0$9,197,736
94$20,000,049$0$0$10,075,859
95$21,909,170$0$0$11,041,660
96$24,008,898$0$0$12,104,021
97$26,318,546$0$0$13,272,731
98$28,859,392$0$0$14,558,574
99$31,654,879$0$0$15,973,431
100$34,730,838$0$0$17,530,395