Can I retire at age 52 with 739,000?

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 $739,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$61,026$60,482$59,952$59,434$58,929$57,411
2 years$30,211$29,648$29,103$28,574$28,061$26,542
3 years$19,941$19,375$18,832$18,308$17,803$16,331
4 years$14,806$14,243$13,705$13,190$12,697$11,282
5 years$11,727$11,167$10,635$10,131$9,652$8,299
6 years$9,674$9,118$8,595$8,102$7,638$6,347
7 years$8,209$7,658$7,142$6,661$6,211$4,984
8 years$7,110$6,564$6,057$5,588$5,153$3,987
9 years$6,256$5,715$5,217$4,759$4,340$3,235
10 years$5,573$5,038$4,548$4,103$3,698$2,653
11 years$5,015$4,485$4,004$3,571$3,180$2,194
12 years$4,550$4,025$3,554$3,132$2,756$1,827
13 years$4,157$3,638$3,175$2,765$2,403$1,529
14 years$3,820$3,307$2,853$2,454$2,106$1,285
15 years$3,529$3,021$2,576$2,189$1,855$1,084
16 years$3,274$2,771$2,335$1,960$1,639$917
17 years$3,049$2,552$2,125$1,761$1,453$778
18 years$2,850$2,358$1,940$1,587$1,292$661
19 years$2,672$2,186$1,776$1,434$1,152$563
20 years$2,512$2,031$1,630$1,299$1,029$480
21 years$2,367$1,892$1,499$1,179$921$410
22 years$2,235$1,766$1,382$1,072$825$350
23 years$2,116$1,652$1,276$976$741$300
24 years$2,006$1,548$1,180$890$666$256
25 years$1,905$1,452$1,093$813$599$220
26 years$1,812$1,365$1,013$743$540$188
27 years$1,727$1,285$941$680$487$161
28 years$1,647$1,210$875$623$439$138
29 years$1,573$1,142$814$572$396$119
30 years$1,504$1,078$758$525$358$102
31 years$1,440$1,019$707$482$324$88
32 years$1,380$965$660$443$293$75
33 years$1,323$913$616$407$265$65
34 years$1,270$866$575$375$240$55
35 years$1,221$821$538$345$217$48
36 years$1,174$779$503$318$197$41
37 years$1,129$740$471$293$179$35
38 years$1,088$704$441$270$162$30
39 years$1,048$669$413$249$147$26
40 years$1,010$636$387$229$133$22
41 years$975$606$363$212$121$19
42 years$941$577$341$195$110$17
43 years$909$550$320$180$99$14
44 years$878$524$300$167$90$12
45 years$849$500$282$154$82$10
46 years$821$477$265$142$74$9
47 years$794$455$249$131$68$8
48 years$769$434$234$121$61$7
49 years$745$415$220$112$56$6
50 years$722$396$206$104$51$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $739,000, adding $4,970 every year, while hoping to spend $32,676 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: 61/24/15 Blend
51$739,000$739,000$739,000$739,000
52$819,505$780,338$768,883$866,136
53$868,327$783,807$759,874$901,584
54$921,034$786,351$749,467$936,129
55$977,988$787,891$737,583$973,049
56$1,039,586$788,340$724,134$1,012,576
57$1,106,264$787,610$709,034$1,054,969
58$1,178,504$785,604$692,188$1,100,512
59$1,256,834$782,221$673,498$1,149,519
60$1,341,834$777,353$652,864$1,202,337
61$1,434,144$770,886$630,177$1,259,352
62$1,534,465$762,698$605,327$1,320,987
63$1,643,572$752,661$578,197$1,387,713
64$1,762,314$740,640$548,664$1,460,046
65$1,891,628$726,488$516,601$1,538,562
66$2,032,542$710,055$481,876$1,623,892
67$2,186,191$691,177$444,348$1,716,737
68$2,353,821$669,683$403,873$1,817,869
69$2,536,805$645,392$360,297$1,928,142
70$2,736,656$618,113$313,463$2,048,499
71$2,955,035$587,641$263,205$2,179,982
72$3,193,775$553,762$209,349$2,323,741
73$3,454,893$516,249$151,715$2,481,046
74$3,740,608$474,861$90,113$2,653,301
75$4,053,366$429,345$24,347$2,842,054
76$4,395,858$379,431$0$3,049,016
77$4,771,049$324,837$0$3,283,412
78$5,182,204$265,263$0$3,544,625
79$5,632,920$200,391$0$3,831,092
80$6,127,155$129,888$0$4,145,391
81$6,669,273$53,400$0$4,490,364
82$7,264,076$0$0$4,869,147
83$7,916,857$0$0$5,292,975
84$8,633,445$0$0$5,773,769
85$9,420,261$0$0$6,301,744
86$10,284,378$0$0$6,881,651
87$11,233,586$0$0$7,518,730
88$12,276,470$0$0$8,218,747
89$13,422,486$0$0$8,988,059
90$14,682,051$0$0$9,833,667
91$16,066,641$0$0$10,763,285
92$17,588,900$0$0$11,785,412
93$19,262,759$0$0$12,909,410
94$21,103,565$0$0$14,145,595
95$23,128,228$0$0$15,505,334
96$25,355,377$0$0$17,001,147
97$27,805,539$0$0$18,646,833
98$30,501,331$0$0$20,457,594
99$33,467,673$0$0$22,450,178
100$36,732,020$0$0$24,643,042