Can I retire at age 52 with 734,000?

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 $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%13.7%
1 years$60,613$60,073$59,546$59,032$58,530$57,632
2 years$30,006$29,448$28,906$28,381$27,872$26,969
3 years$19,806$19,244$18,704$18,184$17,683$16,803
4 years$14,706$14,147$13,612$13,100$12,612$11,762
5 years$11,647$11,091$10,563$10,062$9,587$8,771
6 years$9,609$9,057$8,537$8,047$7,586$6,803
7 years$8,153$7,606$7,094$6,616$6,169$5,421
8 years$7,062$6,520$6,016$5,550$5,118$4,403
9 years$6,214$5,676$5,182$4,727$4,310$3,629
10 years$5,536$5,004$4,518$4,075$3,672$3,024
11 years$4,981$4,454$3,977$3,546$3,158$2,542
12 years$4,519$3,998$3,530$3,111$2,737$2,153
13 years$4,129$3,613$3,154$2,746$2,387$1,833
14 years$3,794$3,284$2,834$2,438$2,092$1,568
15 years$3,505$3,000$2,558$2,174$1,842$1,347
16 years$3,252$2,753$2,319$1,947$1,628$1,161
17 years$3,029$2,535$2,111$1,749$1,444$1,003
18 years$2,831$2,342$1,927$1,576$1,284$869
19 years$2,654$2,171$1,764$1,424$1,144$754
20 years$2,495$2,017$1,619$1,290$1,022$656
21 years$2,351$1,879$1,489$1,171$914$571
22 years$2,220$1,754$1,372$1,064$820$498
23 years$2,101$1,641$1,267$969$736$435
24 years$1,992$1,537$1,172$884$661$380
25 years$1,892$1,442$1,085$807$595$332
26 years$1,800$1,356$1,007$738$536$291
27 years$1,715$1,276$935$676$483$254
28 years$1,636$1,202$869$619$436$223
29 years$1,563$1,134$809$568$394$195
30 years$1,494$1,071$753$521$356$171
31 years$1,430$1,013$702$479$322$150
32 years$1,370$958$655$440$291$132
33 years$1,314$907$612$404$263$116
34 years$1,262$860$572$372$238$102
35 years$1,212$816$534$343$216$89
36 years$1,166$774$500$316$196$78
37 years$1,122$735$468$291$177$69
38 years$1,080$699$438$268$161$61
39 years$1,041$664$410$247$146$53
40 years$1,003$632$385$228$132$47
41 years$968$602$361$210$120$41
42 years$934$573$338$194$109$36
43 years$903$546$318$179$99$32
44 years$872$521$298$165$90$28
45 years$843$496$280$153$81$25
46 years$815$473$263$141$74$22
47 years$789$452$247$130$67$19
48 years$764$431$232$120$61$17
49 years$740$412$218$111$55$15
50 years$717$393$205$103$50$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $734,000, adding $3,692 every year, while hoping to spend $43,753 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: 69/11/20 Blend
51$734,000$734,000$734,000$734,000
52$812,676$773,774$762,397$864,502
53$849,016$765,136$741,385$890,948
54$887,597$754,609$718,202$914,398
55$928,600$742,053$692,730$938,986
56$972,225$727,321$664,844$964,823
57$1,018,690$710,258$634,415$992,028
58$1,068,235$690,699$601,306$1,020,738
59$1,121,121$668,470$565,376$1,051,100
60$1,177,635$643,384$526,476$1,083,283
61$1,238,091$615,248$484,450$1,117,470
62$1,302,835$583,853$439,138$1,153,866
63$1,372,244$548,982$390,368$1,192,698
64$1,446,733$510,402$337,966$1,234,220
65$1,526,757$467,869$281,745$1,278,710
66$1,612,817$421,125$221,514$1,326,480
67$1,705,459$369,895$157,070$1,377,872
68$1,805,288$313,892$88,203$1,433,269
69$1,912,963$252,809$14,694$1,493,094
70$2,029,214$186,325$0$1,557,814
71$2,154,837$114,098$0$1,641,554
72$2,290,711$35,769$0$1,735,513
73$2,437,801$0$0$1,837,242
74$2,597,167$0$0$1,953,438
75$2,769,976$0$0$2,084,165
76$2,957,510$0$0$2,226,067
77$3,161,180$0$0$2,380,216
78$3,382,538$0$0$2,547,793
79$3,623,290$0$0$2,730,093
80$3,885,314$0$0$2,928,544
81$4,170,677$0$0$3,144,716
82$4,481,652$0$0$3,380,338
83$4,820,743$0$0$3,637,312
84$5,190,702$0$0$3,917,730
85$5,594,561$0$0$4,223,898
86$6,035,658$0$0$4,558,352
87$6,517,667$0$0$4,923,883
88$7,044,631$0$0$5,323,567
89$7,621,003$0$0$5,760,789
90$8,251,687$0$0$6,239,275
91$8,942,080$0$0$6,763,129
92$9,698,128$0$0$7,336,872
93$10,526,378$0$0$7,965,479
94$11,434,040$0$0$8,654,431
95$12,429,053$0$0$9,409,766
96$13,520,162$0$0$10,238,131
97$14,717,000$0$0$11,146,849
98$16,030,176$0$0$12,143,986
99$17,471,374$0$0$13,238,426
100$19,053,468$0$0$14,439,955