Can I retire at age 52 with 733,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%11.8%
1 years$60,530$59,991$59,465$58,952$58,450$58,009
2 years$29,966$29,407$28,867$28,342$27,834$27,389
3 years$19,779$19,218$18,679$18,159$17,659$17,224
4 years$14,686$14,127$13,593$13,083$12,594$12,173
5 years$11,631$11,076$10,549$10,049$9,574$9,168
6 years$9,596$9,044$8,525$8,036$7,576$7,184
7 years$8,142$7,595$7,084$6,607$6,161$5,785
8 years$7,052$6,511$6,008$5,542$5,111$4,751
9 years$6,205$5,669$5,175$4,721$4,304$3,959
10 years$5,528$4,997$4,512$4,069$3,667$3,338
11 years$4,974$4,448$3,972$3,542$3,154$2,839
12 years$4,513$3,993$3,525$3,106$2,733$2,433
13 years$4,123$3,608$3,149$2,743$2,384$2,098
14 years$3,789$3,280$2,830$2,435$2,089$1,817
15 years$3,500$2,996$2,555$2,171$1,840$1,581
16 years$3,247$2,749$2,316$1,944$1,626$1,381
17 years$3,025$2,532$2,108$1,747$1,442$1,209
18 years$2,827$2,339$1,924$1,574$1,282$1,062
19 years$2,650$2,168$1,761$1,422$1,143$934
20 years$2,491$2,015$1,617$1,288$1,021$824
21 years$2,348$1,877$1,487$1,169$913$728
22 years$2,217$1,752$1,370$1,063$819$644
23 years$2,098$1,638$1,265$968$735$570
24 years$1,990$1,535$1,170$883$660$505
25 years$1,890$1,441$1,084$806$594$449
26 years$1,798$1,354$1,005$737$535$399
27 years$1,713$1,274$933$675$483$354
28 years$1,634$1,201$868$618$436$315
29 years$1,560$1,133$808$567$393$281
30 years$1,492$1,070$752$520$355$250
31 years$1,428$1,011$701$478$321$223
32 years$1,369$957$654$439$291$198
33 years$1,313$906$611$404$263$177
34 years$1,260$859$571$372$238$158
35 years$1,211$815$534$342$216$141
36 years$1,164$773$499$315$195$126
37 years$1,120$734$467$290$177$112
38 years$1,079$698$438$268$161$100
39 years$1,039$664$410$247$146$89
40 years$1,002$631$384$228$132$80
41 years$967$601$360$210$120$71
42 years$933$572$338$194$109$64
43 years$901$545$317$179$99$57
44 years$871$520$298$165$90$51
45 years$842$496$280$153$81$46
46 years$814$473$263$141$74$41
47 years$788$451$247$130$67$36
48 years$763$431$232$120$61$33
49 years$739$411$218$111$55$29
50 years$716$393$205$103$50$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $733,000, adding $4,506 every year, while hoping to spend $31,758 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: 43/46/11 Blend
51$733,000$733,000$733,000$733,000
52$812,414$773,565$762,203$844,572
53$861,490$777,679$753,947$871,568
54$914,507$780,931$744,350$897,243
55$971,834$783,244$733,333$924,349
56$1,033,876$784,538$720,814$953,028
57$1,101,078$784,727$706,708$983,442
58$1,173,930$783,720$690,925$1,015,768
59$1,252,970$781,421$673,370$1,050,204
60$1,338,790$777,728$653,944$1,086,970
61$1,432,040$772,531$632,546$1,126,310
62$1,533,439$765,715$609,066$1,168,496
63$1,643,772$757,158$583,393$1,213,829
64$1,763,909$746,730$555,408$1,262,646
65$1,894,802$734,295$524,989$1,315,317
66$2,037,502$719,705$492,006$1,372,255
67$2,193,164$702,808$456,325$1,433,919
68$2,363,061$683,440$417,806$1,500,816
69$2,548,593$661,427$376,302$1,573,511
70$2,751,300$636,588$331,659$1,652,627
71$2,972,880$608,729$283,717$1,738,858
72$3,215,201$577,644$232,309$1,832,971
73$3,480,321$543,117$177,260$1,935,816
74$3,770,503$504,919$118,388$2,048,335
75$4,088,242$462,808$55,502$2,171,573
76$4,436,285$416,528$0$2,306,684
77$4,817,656$365,808$0$2,456,310
78$5,235,686$310,361$0$2,627,545
79$5,694,044$249,887$0$2,815,461
80$6,196,771$184,066$0$3,021,817
81$6,748,317$112,560$0$3,248,561
82$7,353,584$35,014$0$3,497,843
83$8,017,971$0$0$3,772,041
84$8,747,428$0$0$4,098,558
85$9,548,505$0$0$4,476,691
86$10,428,420$0$0$4,892,137
87$11,395,125$0$0$5,348,661
88$12,457,378$0$0$5,850,413
89$13,624,829$0$0$6,401,963
90$14,908,110$0$0$7,008,349
91$16,318,932$0$0$7,675,116
92$17,870,199$0$0$8,408,380
93$19,576,128$0$0$9,214,874
94$21,452,381$0$0$10,102,019
95$23,516,216$0$0$11,077,991
96$25,786,646$0$0$12,151,797
97$28,284,621$0$0$13,333,362
98$31,033,224$0$0$14,633,623
99$34,057,886$0$0$16,064,628
100$37,386,631$0$0$17,639,655