Can I retire at age 52 with 733,000?

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 $733,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$60,530$59,991$59,465$58,952$58,450$57,864
2 years$29,966$29,407$28,867$28,342$27,834$27,243
3 years$19,779$19,218$18,679$18,159$17,659$17,082
4 years$14,686$14,127$13,593$13,083$12,594$12,036
5 years$11,631$11,076$10,549$10,049$9,574$9,036
6 years$9,596$9,044$8,525$8,036$7,576$7,059
7 years$8,142$7,595$7,084$6,607$6,161$5,665
8 years$7,052$6,511$6,008$5,542$5,111$4,636
9 years$6,205$5,669$5,175$4,721$4,304$3,850
10 years$5,528$4,997$4,512$4,069$3,667$3,234
11 years$4,974$4,448$3,972$3,542$3,154$2,741
12 years$4,513$3,993$3,525$3,106$2,733$2,340
13 years$4,123$3,608$3,149$2,743$2,384$2,010
14 years$3,789$3,280$2,830$2,435$2,089$1,734
15 years$3,500$2,996$2,555$2,171$1,840$1,503
16 years$3,247$2,749$2,316$1,944$1,626$1,307
17 years$3,025$2,532$2,108$1,747$1,442$1,140
18 years$2,827$2,339$1,924$1,574$1,282$997
19 years$2,650$2,168$1,761$1,422$1,143$873
20 years$2,491$2,015$1,617$1,288$1,021$767
21 years$2,348$1,877$1,487$1,169$913$674
22 years$2,217$1,752$1,370$1,063$819$594
23 years$2,098$1,638$1,265$968$735$523
24 years$1,990$1,535$1,170$883$660$462
25 years$1,890$1,441$1,084$806$594$408
26 years$1,798$1,354$1,005$737$535$361
27 years$1,713$1,274$933$675$483$319
28 years$1,634$1,201$868$618$436$283
29 years$1,560$1,133$808$567$393$250
30 years$1,492$1,070$752$520$355$222
31 years$1,428$1,011$701$478$321$197
32 years$1,369$957$654$439$291$174
33 years$1,313$906$611$404$263$155
34 years$1,260$859$571$372$238$137
35 years$1,211$815$534$342$216$122
36 years$1,164$773$499$315$195$108
37 years$1,120$734$467$290$177$96
38 years$1,079$698$438$268$161$85
39 years$1,039$664$410$247$146$76
40 years$1,002$631$384$228$132$67
41 years$967$601$360$210$120$60
42 years$933$572$338$194$109$53
43 years$901$545$317$179$99$47
44 years$871$520$298$165$90$42
45 years$842$496$280$153$81$37
46 years$814$473$263$141$74$33
47 years$788$451$247$130$67$30
48 years$763$431$232$120$61$26
49 years$739$411$218$111$55$23
50 years$716$393$205$103$50$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $733,000, adding $5,044 every year, while hoping to spend $33,480 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: 73/5/22 Blend
51$733,000$733,000$733,000$733,000
52$812,969$774,120$762,758$867,593
53$860,269$776,429$752,688$906,917
54$911,272$777,730$741,159$945,488
55$966,320$777,937$728,086$986,908
56$1,025,789$776,959$713,381$1,031,454
57$1,090,092$774,703$696,951$1,079,433
58$1,159,683$771,066$678,701$1,131,183
59$1,235,063$765,940$658,530$1,187,078
60$1,316,779$759,211$636,331$1,247,530
61$1,405,437$750,759$611,994$1,312,992
62$1,501,700$740,454$585,404$1,383,966
63$1,606,298$728,161$556,440$1,461,006
64$1,720,034$713,735$524,975$1,544,721
65$1,843,794$697,024$490,878$1,635,784
66$1,978,549$677,867$454,010$1,734,939
67$2,125,370$656,091$414,228$1,843,005
68$2,285,434$631,516$371,381$1,960,885
69$2,460,038$603,950$325,313$2,089,577
70$2,650,609$573,190$275,857$2,230,181
71$2,858,717$539,022$222,844$2,383,910
72$3,086,090$501,219$166,094$2,552,102
73$3,334,634$459,540$105,420$2,736,234
74$3,606,441$413,733$40,627$2,937,934
75$3,903,822$363,529$0$3,158,998
76$4,229,314$308,645$0$3,408,100
77$4,585,717$248,782$0$3,691,345
78$4,976,112$183,623$0$4,001,646
79$5,403,890$112,835$0$4,341,715
80$5,872,788$36,065$0$4,714,538
81$6,386,921$0$0$5,123,407
82$6,950,821$0$0$5,574,535
83$7,569,482$0$0$6,071,683
84$8,248,400$0$0$6,617,290
85$8,993,633$0$0$7,216,226
86$9,811,853$0$0$7,873,859
87$10,710,409$0$0$8,596,101
88$11,697,396$0$0$9,389,463
89$12,781,734$0$0$10,261,119
90$13,973,247$0$0$11,218,974
91$15,282,759$0$0$12,271,733
92$16,722,195$0$0$13,428,988
93$18,304,692$0$0$14,701,308
94$20,044,724$0$0$16,100,336
95$21,958,238$0$0$17,638,899
96$24,062,801$0$0$19,331,129
97$26,377,773$0$0$21,192,598
98$28,924,479$0$0$23,240,462
99$31,726,419$0$0$25,493,625
100$34,809,483$0$0$27,972,913