Can I retire at age 52 with 736,000?

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 $736,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$60,778$60,237$59,709$59,193$58,690$58,198
2 years$30,088$29,528$28,985$28,458$27,947$27,452
3 years$19,860$19,297$18,755$18,233$17,731$17,247
4 years$14,746$14,185$13,649$13,136$12,646$12,177
5 years$11,679$11,121$10,592$10,090$9,613$9,161
6 years$9,635$9,081$8,560$8,069$7,607$7,171
7 years$8,175$7,627$7,113$6,634$6,186$5,768
8 years$7,081$6,537$6,033$5,565$5,132$4,732
9 years$6,231$5,692$5,196$4,740$4,322$3,939
10 years$5,551$5,017$4,530$4,086$3,683$3,316
11 years$4,995$4,467$3,988$3,556$3,167$2,818
12 years$4,532$4,009$3,539$3,119$2,745$2,412
13 years$4,140$3,623$3,162$2,754$2,393$2,076
14 years$3,805$3,293$2,841$2,444$2,098$1,797
15 years$3,515$3,008$2,565$2,180$1,847$1,561
16 years$3,261$2,760$2,326$1,952$1,633$1,361
17 years$3,037$2,542$2,116$1,754$1,448$1,191
18 years$2,838$2,349$1,932$1,581$1,287$1,044
19 years$2,661$2,177$1,769$1,428$1,147$917
20 years$2,501$2,023$1,623$1,293$1,025$808
21 years$2,357$1,884$1,493$1,174$917$712
22 years$2,226$1,759$1,376$1,067$822$629
23 years$2,107$1,645$1,271$972$738$556
24 years$1,998$1,541$1,175$887$663$493
25 years$1,898$1,446$1,088$810$597$436
26 years$1,805$1,359$1,009$740$538$387
27 years$1,720$1,279$937$678$485$344
28 years$1,640$1,206$871$621$437$305
29 years$1,567$1,137$811$569$395$271
30 years$1,498$1,074$755$523$357$241
31 years$1,434$1,015$704$480$323$215
32 years$1,374$961$657$441$292$191
33 years$1,318$910$613$406$264$170
34 years$1,265$862$573$373$239$151
35 years$1,216$818$536$344$217$135
36 years$1,169$776$501$316$196$120
37 years$1,125$737$469$291$178$107
38 years$1,083$701$439$269$161$95
39 years$1,044$666$412$248$146$85
40 years$1,006$634$386$228$133$76
41 years$971$603$362$211$120$68
42 years$937$575$339$195$109$60
43 years$905$548$318$180$99$54
44 years$874$522$299$166$90$48
45 years$845$498$281$153$82$43
46 years$818$475$264$141$74$38
47 years$791$453$248$131$67$34
48 years$766$433$233$121$61$30
49 years$742$413$219$112$56$27
50 years$719$395$206$103$50$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $736,000, adding $2,261 every year, while hoping to spend $27,696 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: 59/20/21 Blend
51$736,000$736,000$736,000$736,000
52$813,404$774,396$762,988$856,743
53$866,903$782,873$759,080$894,906
54$924,931$790,838$754,113$933,299
55$987,920$798,234$748,021$974,557
56$1,056,346$805,006$740,738$1,018,962
57$1,130,732$811,091$732,193$1,066,827
58$1,211,656$816,423$722,310$1,118,497
59$1,299,749$820,933$711,012$1,174,351
60$1,395,710$824,545$698,217$1,234,810
61$1,500,306$827,181$683,841$1,300,337
62$1,614,381$828,756$667,793$1,371,446
63$1,738,864$829,182$649,981$1,448,700
64$1,874,779$828,363$630,306$1,532,725
65$2,023,252$826,197$608,666$1,624,208
66$2,185,521$822,579$584,955$1,723,912
67$2,362,954$817,395$559,060$1,832,674
68$2,557,051$810,523$530,864$1,951,421
69$2,769,468$801,837$500,246$2,081,177
70$3,002,027$791,200$467,078$2,223,069
71$3,256,735$778,470$431,225$2,378,344
72$3,535,800$763,493$392,550$2,548,376
73$3,841,657$746,109$350,905$2,734,681
74$4,176,985$726,148$306,140$2,938,934
75$4,544,736$703,428$258,094$3,162,981
76$4,948,162$677,758$206,603$3,408,861
77$5,390,842$648,936$151,492$3,678,821
78$5,876,721$616,747$92,580$3,975,341
79$6,410,145$580,966$29,680$4,301,160
80$6,995,899$541,353$0$4,659,294
81$7,639,256$497,654$0$5,061,466
82$8,346,022$449,601$0$5,510,600
83$9,122,597$396,912$0$6,004,140
84$9,976,029$339,288$0$6,546,606
85$10,914,084$276,413$0$7,142,979
86$11,945,315$207,952$0$7,798,751
87$13,079,149$133,553$0$8,519,977
88$14,325,970$52,845$0$9,313,329
89$15,697,218$0$0$10,186,163
90$17,205,498$0$0$11,154,194
91$18,864,698$0$0$12,231,950
92$20,690,120$0$0$13,417,748
93$22,698,624$0$0$14,722,549
94$24,908,786$0$0$16,158,429
95$27,341,073$0$0$17,738,696
96$30,018,039$0$0$19,478,011
97$32,964,534$0$0$21,392,530
98$36,207,937$0$0$23,500,055
99$39,778,419$0$0$25,820,200
100$43,709,225$0$0$28,374,579