Can I retire at age 52 with 731,000?

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 $731,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.5%
1 years$60,365$59,828$59,303$58,791$58,291$56,516
2 years$29,884$29,327$28,788$28,265$27,758$25,984
3 years$19,725$19,166$18,628$18,110$17,611$15,895
4 years$14,646$14,089$13,556$13,047$12,560$10,915
5 years$11,600$11,046$10,520$10,021$9,548$7,978
6 years$9,569$9,020$8,502$8,014$7,555$6,062
7 years$8,120$7,575$7,065$6,589$6,144$4,727
8 years$7,033$6,493$5,992$5,527$5,097$3,756
9 years$6,188$5,653$5,161$4,708$4,293$3,025
10 years$5,513$4,983$4,499$4,058$3,657$2,463
11 years$4,961$4,436$3,961$3,532$3,146$2,021
12 years$4,501$3,982$3,515$3,098$2,726$1,669
13 years$4,112$3,598$3,141$2,735$2,377$1,386
14 years$3,779$3,271$2,822$2,428$2,084$1,155
15 years$3,491$2,988$2,548$2,165$1,835$966
16 years$3,239$2,741$2,310$1,939$1,621$811
17 years$3,016$2,525$2,102$1,742$1,438$682
18 years$2,819$2,333$1,919$1,570$1,278$574
19 years$2,643$2,162$1,757$1,418$1,139$484
20 years$2,484$2,009$1,612$1,285$1,018$409
21 years$2,341$1,871$1,483$1,166$911$346
22 years$2,211$1,747$1,367$1,060$816$293
23 years$2,093$1,634$1,262$965$733$248
24 years$1,984$1,531$1,167$881$659$211
25 years$1,885$1,437$1,081$804$593$179
26 years$1,793$1,350$1,002$735$534$152
27 years$1,708$1,271$931$673$481$129
28 years$1,629$1,197$865$617$434$109
29 years$1,556$1,130$805$565$392$93
30 years$1,488$1,067$750$519$354$79
31 years$1,424$1,008$699$477$320$67
32 years$1,365$954$652$438$290$57
33 years$1,309$904$609$403$262$49
34 years$1,257$856$569$371$237$41
35 years$1,207$812$532$341$215$35
36 years$1,161$771$498$314$195$30
37 years$1,117$732$466$290$177$25
38 years$1,076$696$436$267$160$22
39 years$1,037$662$409$246$145$18
40 years$999$630$383$227$132$16
41 years$964$599$359$209$119$13
42 years$931$571$337$193$108$11
43 years$899$544$316$178$98$10
44 years$869$518$297$165$89$8
45 years$840$494$279$152$81$7
46 years$812$472$262$141$74$6
47 years$786$450$246$130$67$5
48 years$761$430$231$120$61$4
49 years$737$410$217$111$55$4
50 years$714$392$204$102$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $731,000, adding $4,222 every year, while hoping to spend $36,835 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: 49/35/16 Blend
51$731,000$731,000$731,000$731,000
52$809,917$771,174$759,843$845,808
53$853,336$769,769$746,106$869,623
54$899,950$767,061$730,674$891,336
55$950,045$762,947$713,451$914,120
56$1,003,936$757,318$694,338$938,088
57$1,061,968$750,058$673,230$963,367
58$1,124,523$741,044$650,017$990,099
59$1,192,016$730,148$624,585$1,018,442
60$1,264,907$717,230$596,813$1,048,574
61$1,343,699$702,146$566,578$1,080,694
62$1,428,945$684,740$533,747$1,115,020
63$1,521,254$664,849$498,184$1,151,800
64$1,621,296$642,300$459,747$1,191,308
65$1,729,805$616,909$418,286$1,233,848
66$1,847,591$588,484$373,644$1,279,762
67$1,975,543$556,818$325,659$1,329,426
68$2,114,641$521,694$274,161$1,383,263
69$2,265,961$482,884$218,972$1,441,740
70$2,430,688$440,144$159,906$1,505,377
71$2,610,125$393,218$96,770$1,574,752
72$2,805,707$341,835$29,362$1,650,507
73$3,019,014$285,709$0$1,733,355
74$3,251,782$224,538$0$1,831,355
75$3,505,924$158,001$0$1,943,938
76$3,783,546$85,761$0$2,067,099
77$4,086,967$7,462$0$2,201,958
78$4,418,737$0$0$2,349,756
79$4,781,668$0$0$2,541,624
80$5,178,852$0$0$2,754,824
81$5,613,697$0$0$2,988,319
82$6,089,954$0$0$3,244,135
83$6,611,755$0$0$3,524,501
84$7,183,649$0$0$3,831,872
85$7,810,647$0$0$4,168,953
86$8,498,268$0$0$4,538,723
87$9,252,591$0$0$4,944,462
88$10,080,312$0$0$5,389,784
89$10,988,804$0$0$5,878,670
90$11,986,193$0$0$6,415,506
91$13,081,425$0$0$7,005,120
92$14,284,360$0$0$7,652,835
93$15,605,855$0$0$8,364,513
94$17,057,875$0$0$9,146,611
95$18,653,597$0$0$10,006,244
96$20,407,542$0$0$10,951,249
97$22,335,704$0$0$11,990,263
98$24,455,707$0$0$13,132,799
99$26,786,965$0$0$14,389,339
100$29,350,870$0$0$15,771,431