Can I retire at age 52 with 734,000?

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 $734,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$60,613$60,073$59,546$59,032$58,530$58,210
2 years$30,006$29,448$28,906$28,381$27,872$27,549
3 years$19,806$19,244$18,704$18,184$17,683$17,367
4 years$14,706$14,147$13,612$13,100$12,612$12,305
5 years$11,647$11,091$10,563$10,062$9,587$9,291
6 years$9,609$9,057$8,537$8,047$7,586$7,301
7 years$8,153$7,606$7,094$6,616$6,169$5,895
8 years$7,062$6,520$6,016$5,550$5,118$4,855
9 years$6,214$5,676$5,182$4,727$4,310$4,058
10 years$5,536$5,004$4,518$4,075$3,672$3,431
11 years$4,981$4,454$3,977$3,546$3,158$2,928
12 years$4,519$3,998$3,530$3,111$2,737$2,517
13 years$4,129$3,613$3,154$2,746$2,387$2,177
14 years$3,794$3,284$2,834$2,438$2,092$1,892
15 years$3,505$3,000$2,558$2,174$1,842$1,652
16 years$3,252$2,753$2,319$1,947$1,628$1,447
17 years$3,029$2,535$2,111$1,749$1,444$1,272
18 years$2,831$2,342$1,927$1,576$1,284$1,121
19 years$2,654$2,171$1,764$1,424$1,144$990
20 years$2,495$2,017$1,619$1,290$1,022$876
21 years$2,351$1,879$1,489$1,171$914$776
22 years$2,220$1,754$1,372$1,064$820$689
23 years$2,101$1,641$1,267$969$736$613
24 years$1,992$1,537$1,172$884$661$545
25 years$1,892$1,442$1,085$807$595$486
26 years$1,800$1,356$1,007$738$536$433
27 years$1,715$1,276$935$676$483$387
28 years$1,636$1,202$869$619$436$345
29 years$1,563$1,134$809$568$394$309
30 years$1,494$1,071$753$521$356$276
31 years$1,430$1,013$702$479$322$247
32 years$1,370$958$655$440$291$221
33 years$1,314$907$612$404$263$198
34 years$1,262$860$572$372$238$177
35 years$1,212$816$534$343$216$159
36 years$1,166$774$500$316$196$142
37 years$1,122$735$468$291$177$128
38 years$1,080$699$438$268$161$114
39 years$1,041$664$410$247$146$103
40 years$1,003$632$385$228$132$92
41 years$968$602$361$210$120$83
42 years$934$573$338$194$109$74
43 years$903$546$318$179$99$67
44 years$872$521$298$165$90$60
45 years$843$496$280$153$81$54
46 years$815$473$263$141$74$48
47 years$789$452$247$130$67$43
48 years$764$431$232$120$61$39
49 years$740$412$218$111$55$35
50 years$717$393$205$103$50$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $734,000, adding $6,538 every year, while hoping to spend $20,602 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: 46/30/24 Blend
51$734,000$734,000$734,000$734,000
52$815,612$776,710$765,333$847,244
53$876,884$792,848$769,051$886,302
54$943,715$809,087$772,204$926,120
55$1,016,651$825,409$774,749$968,911
56$1,096,292$841,797$776,646$1,014,961
57$1,183,298$858,229$777,848$1,064,588
58$1,278,397$874,685$778,308$1,118,143
59$1,382,390$891,141$777,978$1,176,012
60$1,496,158$907,571$776,805$1,238,621
61$1,620,673$923,949$774,735$1,306,441
62$1,757,004$940,245$771,710$1,379,989
63$1,906,327$956,426$767,671$1,459,838
64$2,069,940$972,458$762,556$1,546,619
65$2,249,270$988,304$756,298$1,641,027
66$2,445,890$1,003,926$748,828$1,743,831
67$2,661,532$1,019,279$740,075$1,855,876
68$2,898,103$1,034,319$729,962$1,978,098
69$3,157,706$1,048,996$718,412$2,111,526
70$3,442,653$1,063,258$705,340$2,257,297
71$3,755,495$1,077,050$690,661$2,416,663
72$4,099,041$1,090,310$674,283$2,591,008
73$4,476,383$1,102,975$656,111$2,781,856
74$4,890,930$1,114,977$636,047$2,990,888
75$5,346,437$1,126,243$613,987$3,219,959
76$5,847,039$1,136,695$589,821$3,471,114
77$6,397,294$1,146,250$563,436$3,746,610
78$7,002,221$1,154,819$534,715$4,048,934
79$7,667,351$1,162,309$503,531$4,380,828
80$8,398,778$1,168,619$469,757$4,745,319
81$9,203,216$1,173,644$433,256$5,145,743
82$10,088,060$1,177,269$393,887$5,585,779
83$11,061,462$1,179,374$351,501$6,069,483
84$12,132,399$1,179,832$305,945$6,601,329
85$13,310,766$1,178,506$257,056$7,186,249
86$14,607,464$1,175,252$204,667$7,829,682
87$16,034,503$1,169,918$148,602$8,537,626
88$17,605,119$1,162,340$88,676$9,316,692
89$19,333,893$1,152,346$24,698$10,174,170
90$21,236,892$1,139,754$0$11,118,099
91$23,331,823$1,124,369$0$12,168,500
92$25,638,192$1,105,987$0$13,331,460
93$28,177,497$1,084,389$0$14,611,474
94$30,973,423$1,059,346$0$16,020,478
95$34,052,072$1,030,613$0$17,571,625
96$37,442,202$997,932$0$19,279,412
97$41,175,505$961,029$0$21,159,818
98$45,286,902$919,616$0$23,230,452
99$49,814,874$873,385$0$25,510,726
100$54,801,824$822,013$0$28,022,030