Can I retire at age 52 with 737,000?

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 $737,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$60,861$60,319$59,790$59,274$58,769$57,583
2 years$30,129$29,568$29,024$28,497$27,985$26,795
3 years$19,887$19,323$18,781$18,258$17,755$16,598
4 years$14,766$14,204$13,667$13,154$12,663$11,549
5 years$11,695$11,136$10,606$10,104$9,626$8,557
6 years$9,648$9,094$8,572$8,080$7,617$6,595
7 years$8,187$7,637$7,123$6,643$6,195$5,219
8 years$7,091$6,546$6,041$5,573$5,139$4,210
9 years$6,239$5,700$5,203$4,747$4,328$3,445
10 years$5,558$5,024$4,536$4,092$3,688$2,850
11 years$5,001$4,473$3,994$3,561$3,171$2,378
12 years$4,538$4,014$3,544$3,123$2,748$1,998
13 years$4,146$3,628$3,166$2,758$2,397$1,688
14 years$3,810$3,298$2,845$2,448$2,101$1,432
15 years$3,519$3,012$2,569$2,183$1,850$1,220
16 years$3,265$2,764$2,329$1,955$1,635$1,043
17 years$3,041$2,545$2,119$1,756$1,449$893
18 years$2,842$2,352$1,935$1,583$1,289$767
19 years$2,665$2,180$1,771$1,430$1,149$660
20 years$2,505$2,026$1,625$1,295$1,026$569
21 years$2,360$1,887$1,495$1,176$918$491
22 years$2,229$1,761$1,378$1,069$823$424
23 years$2,110$1,647$1,272$973$739$367
24 years$2,001$1,543$1,177$888$664$317
25 years$1,900$1,448$1,090$811$598$275
26 years$1,808$1,361$1,011$741$538$238
27 years$1,722$1,281$939$679$485$207
28 years$1,643$1,207$872$622$438$179
29 years$1,569$1,139$812$570$395$156
30 years$1,500$1,075$756$523$357$135
31 years$1,436$1,017$705$481$323$117
32 years$1,376$962$658$442$292$102
33 years$1,320$911$614$406$264$89
34 years$1,267$863$574$374$239$77
35 years$1,217$819$537$344$217$67
36 years$1,171$777$502$317$196$58
37 years$1,126$738$470$292$178$51
38 years$1,085$702$440$269$161$44
39 years$1,045$667$412$248$146$38
40 years$1,008$635$386$229$133$33
41 years$972$604$362$211$120$29
42 years$938$575$340$195$109$25
43 years$906$548$319$180$99$22
44 years$876$523$299$166$90$19
45 years$847$498$281$153$82$17
46 years$819$475$264$142$74$14
47 years$792$454$248$131$67$13
48 years$767$433$233$121$61$11
49 years$743$414$219$112$56$10
50 years$720$395$206$103$50$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $737,000, adding $6,991 every year, while hoping to spend $32,171 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: 44/48/8 Blend
51$737,000$737,000$737,000$737,000
52$819,385$780,324$768,901$853,272
53$868,733$784,330$760,429$881,463
54$922,036$787,455$750,596$908,145
55$979,663$789,620$739,320$936,324
56$1,042,021$790,744$726,520$966,150
57$1,109,557$790,740$712,108$997,787
58$1,182,760$789,514$695,992$1,031,419
59$1,262,171$786,970$678,078$1,067,251
60$1,348,384$783,002$658,264$1,105,510
61$1,442,050$777,501$636,447$1,146,448
62$1,543,888$770,347$612,517$1,190,345
63$1,654,688$761,418$586,360$1,237,513
64$1,775,320$750,581$557,857$1,288,296
65$1,906,740$737,697$526,882$1,343,078
66$2,050,000$722,616$493,305$1,402,283
67$2,206,259$705,183$456,989$1,466,384
68$2,376,791$685,232$417,793$1,535,904
69$2,563,001$662,585$375,566$1,611,421
70$2,766,434$637,058$330,154$1,693,580
71$2,988,790$608,454$281,394$1,783,091
72$3,231,942$576,563$229,116$1,880,744
73$3,497,951$541,167$173,143$1,987,414
74$3,789,089$502,030$113,290$2,104,069
75$4,107,855$458,909$49,364$2,231,781
76$4,457,001$411,540$0$2,371,737
77$4,839,560$359,651$0$2,526,861
78$5,258,871$302,949$0$2,701,600
79$5,718,609$241,127$0$2,893,362
80$6,222,826$173,862$0$3,103,949
81$6,775,983$100,809$0$3,335,351
82$7,382,991$21,607$0$3,589,768
83$8,049,264$0$0$3,869,631
84$8,780,763$0$0$4,211,500
85$9,584,055$0$0$4,599,547
86$10,466,374$0$0$5,025,868
87$11,435,688$0$0$5,494,323
88$12,500,778$0$0$6,009,170
89$13,671,314$0$0$6,575,095
90$14,957,952$0$0$7,197,263
91$16,372,430$0$0$7,881,366
92$17,927,681$0$0$8,633,671
93$19,637,954$0$0$9,461,086
94$21,518,946$0$0$10,371,221
95$23,587,953$0$0$11,372,461
96$25,864,033$0$0$12,474,043
97$28,368,182$0$0$13,686,147
98$31,123,533$0$0$15,019,987
99$34,155,577$0$0$16,487,922
100$37,492,398$0$0$18,103,567