Can I retire at age 52 with 738,000?

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 $738,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$60,943$60,400$59,871$59,354$58,849$56,649
2 years$30,170$29,608$29,064$28,536$28,023$25,832
3 years$19,914$19,349$18,806$18,283$17,779$15,665
4 years$14,786$14,224$13,686$13,172$12,680$10,660
5 years$11,711$11,152$10,621$10,117$9,639$7,718
6 years$9,661$9,106$8,583$8,091$7,627$5,806
7 years$8,198$7,647$7,133$6,652$6,203$4,482
8 years$7,100$6,555$6,049$5,580$5,146$3,523
9 years$6,248$5,707$5,210$4,753$4,334$2,807
10 years$5,566$5,031$4,542$4,097$3,693$2,259
11 years$5,008$4,479$3,999$3,566$3,176$1,832
12 years$4,544$4,020$3,549$3,128$2,752$1,495
13 years$4,151$3,633$3,171$2,761$2,400$1,226
14 years$3,815$3,302$2,849$2,451$2,104$1,010
15 years$3,524$3,016$2,572$2,186$1,852$834
16 years$3,270$2,768$2,332$1,957$1,637$690
17 years$3,045$2,549$2,122$1,759$1,451$573
18 years$2,846$2,355$1,937$1,585$1,291$476
19 years$2,668$2,183$1,773$1,432$1,150$396
20 years$2,508$2,028$1,628$1,297$1,027$330
21 years$2,364$1,889$1,497$1,177$919$275
22 years$2,232$1,764$1,380$1,070$824$230
23 years$2,113$1,649$1,274$975$740$192
24 years$2,003$1,545$1,178$889$665$161
25 years$1,903$1,450$1,091$812$598$134
26 years$1,810$1,363$1,012$742$539$112
27 years$1,724$1,283$940$679$486$94
28 years$1,645$1,209$874$623$438$79
29 years$1,571$1,140$813$571$396$66
30 years$1,502$1,077$757$524$358$55
31 years$1,438$1,018$706$481$323$46
32 years$1,378$963$659$442$293$39
33 years$1,322$912$615$407$265$32
34 years$1,269$865$575$374$240$27
35 years$1,219$820$537$344$217$23
36 years$1,172$778$503$317$197$19
37 years$1,128$739$470$292$178$16
38 years$1,086$703$441$269$162$13
39 years$1,046$668$413$248$147$11
40 years$1,009$636$387$229$133$9
41 years$973$605$363$211$121$8
42 years$940$576$340$195$109$7
43 years$907$549$319$180$99$6
44 years$877$523$300$166$90$5
45 years$848$499$281$154$82$4
46 years$820$476$264$142$74$3
47 years$793$454$248$131$67$3
48 years$768$434$233$121$61$2
49 years$744$414$219$112$56$2
50 years$721$396$206$103$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $738,000, adding $5,558 every year, while hoping to spend $44,625 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: 32/41/27 Blend
51$738,000$738,000$738,000$738,000
52$819,009$779,895$768,456$838,320
53$855,067$770,629$746,719$844,272
54$893,308$759,414$722,757$846,340
55$933,906$746,106$696,451$847,687
56$977,054$730,555$667,672$848,282
57$1,022,962$712,600$636,287$848,093
58$1,071,859$692,073$602,157$847,088
59$1,123,997$668,792$565,138$845,239
60$1,179,652$642,570$525,077$842,520
61$1,239,125$613,205$481,816$838,906
62$1,302,747$580,484$435,188$834,376
63$1,370,882$544,182$385,022$828,913
64$1,443,927$504,062$331,135$822,506
65$1,522,319$459,872$273,339$815,147
66$1,606,537$411,347$211,438$806,836
67$1,697,107$358,206$145,224$797,581
68$1,794,606$300,153$74,483$787,397
69$1,899,668$236,873$0$776,312
70$2,012,991$168,036$0$764,653
71$2,135,338$93,291$0$775,101
72$2,267,550$12,271$0$786,310
73$2,410,552$0$0$798,439
74$2,565,360$0$0$845,694
75$2,733,089$0$0$902,985
76$2,914,967$0$0$965,207
77$3,112,345$0$0$1,032,834
78$3,326,707$0$0$1,106,389
79$3,559,686$0$0$1,186,444
80$3,813,079$0$0$1,273,632
81$4,088,863$0$0$1,368,648
82$4,389,213$0$0$1,472,256
83$4,716,521$0$0$1,585,298
84$5,073,423$0$0$1,708,701
85$5,462,817$0$0$1,843,484
86$5,887,895$0$0$1,990,772
87$6,352,168$0$0$2,151,799
88$6,859,504$0$0$2,327,926
89$7,414,160$0$0$2,520,653
90$8,020,822$0$0$2,731,630
91$8,684,653$0$0$2,962,673
92$9,411,334$0$0$3,215,783
93$10,207,123$0$0$3,493,165
94$11,078,911$0$0$3,797,244
95$12,034,287$0$0$4,130,695
96$13,081,610$0$0$4,496,461
97$14,230,084$0$0$4,897,785
98$15,489,848$0$0$5,338,238
99$16,872,069$0$0$5,821,756
100$18,389,048$0$0$6,352,671