Can I retire at age 52 with 738,000?

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 $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%12.2%
1 years$60,943$60,400$59,871$59,354$58,849$58,307
2 years$30,170$29,608$29,064$28,536$28,023$27,478
3 years$19,914$19,349$18,806$18,283$17,779$17,246
4 years$14,786$14,224$13,686$13,172$12,680$12,164
5 years$11,711$11,152$10,621$10,117$9,639$9,142
6 years$9,661$9,106$8,583$8,091$7,627$7,149
7 years$8,198$7,647$7,133$6,652$6,203$5,744
8 years$7,100$6,555$6,049$5,580$5,146$4,706
9 years$6,248$5,707$5,210$4,753$4,334$3,913
10 years$5,566$5,031$4,542$4,097$3,693$3,291
11 years$5,008$4,479$3,999$3,566$3,176$2,792
12 years$4,544$4,020$3,549$3,128$2,752$2,387
13 years$4,151$3,633$3,171$2,761$2,400$2,052
14 years$3,815$3,302$2,849$2,451$2,104$1,774
15 years$3,524$3,016$2,572$2,186$1,852$1,539
16 years$3,270$2,768$2,332$1,957$1,637$1,340
17 years$3,045$2,549$2,122$1,759$1,451$1,170
18 years$2,846$2,355$1,937$1,585$1,291$1,025
19 years$2,668$2,183$1,773$1,432$1,150$899
20 years$2,508$2,028$1,628$1,297$1,027$791
21 years$2,364$1,889$1,497$1,177$919$696
22 years$2,232$1,764$1,380$1,070$824$614
23 years$2,113$1,649$1,274$975$740$542
24 years$2,003$1,545$1,178$889$665$479
25 years$1,903$1,450$1,091$812$598$424
26 years$1,810$1,363$1,012$742$539$375
27 years$1,724$1,283$940$679$486$333
28 years$1,645$1,209$874$623$438$295
29 years$1,571$1,140$813$571$396$262
30 years$1,502$1,077$757$524$358$232
31 years$1,438$1,018$706$481$323$206
32 years$1,378$963$659$442$293$183
33 years$1,322$912$615$407$265$163
34 years$1,269$865$575$374$240$145
35 years$1,219$820$537$344$217$129
36 years$1,172$778$503$317$197$115
37 years$1,128$739$470$292$178$102
38 years$1,086$703$441$269$162$91
39 years$1,046$668$413$248$147$81
40 years$1,009$636$387$229$133$72
41 years$973$605$363$211$121$64
42 years$940$576$340$195$109$57
43 years$907$549$319$180$99$51
44 years$877$523$300$166$90$45
45 years$848$499$281$154$82$40
46 years$820$476$264$142$74$36
47 years$793$454$248$131$67$32
48 years$768$434$233$121$61$28
49 years$744$414$219$112$56$25
50 years$721$396$206$103$51$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $738,000, adding $5,326 every year, while hoping to spend $53,797 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: 60/11/29 Blend
51$738,000$738,000$738,000$738,000
52$818,770$779,656$768,217$861,162
53$845,045$760,619$736,712$871,683
54$872,197$738,847$702,350$876,962
55$900,258$714,148$664,976$881,607
56$929,264$686,320$624,432$885,569
57$959,249$655,150$580,550$888,797
58$990,251$620,412$533,158$891,239
59$1,022,310$581,865$482,072$892,838
60$1,055,468$539,259$427,103$893,536
61$1,089,767$492,324$368,053$893,272
62$1,125,254$440,778$304,713$891,980
63$1,161,977$384,324$236,868$889,595
64$1,199,987$322,644$164,292$886,045
65$1,239,338$255,406$86,748$881,258
66$1,280,087$182,257$3,990$875,157
67$1,322,294$102,826$0$867,661
68$1,366,022$16,719$0$884,780
69$1,411,340$0$0$903,349
70$1,458,319$0$0$931,384
71$1,507,034$0$0$962,560
72$1,557,568$0$0$994,905
73$1,610,005$0$0$1,028,476
74$1,664,439$0$0$1,063,331
75$1,720,967$0$0$1,099,536
76$1,779,693$0$0$1,137,157
77$1,840,730$0$0$1,176,268
78$1,904,197$0$0$1,216,946
79$1,970,222$0$0$1,259,276
80$2,038,944$0$0$1,303,347
81$2,110,510$0$0$1,349,255
82$2,185,079$0$0$1,397,104
83$2,262,821$0$0$1,447,005
84$2,343,922$0$0$1,499,080
85$2,428,579$0$0$1,553,458
86$2,517,006$0$0$1,610,278
87$2,609,436$0$0$1,669,693
88$2,706,118$0$0$1,731,865
89$2,807,323$0$0$1,796,973
90$2,913,344$0$0$1,865,209
91$3,024,499$0$0$1,936,780
92$3,141,133$0$0$2,011,913
93$3,263,619$0$0$2,090,853
94$3,392,365$0$0$2,173,868
95$3,527,812$0$0$2,261,247
96$3,670,442$0$0$2,353,307
97$3,820,779$0$0$2,450,391
98$3,979,392$0$0$2,552,875
99$4,146,903$0$0$2,661,167
100$4,323,992$0$0$2,775,714