Can I retire at age 52 with 741,000?

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 $741,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$61,191$60,646$60,114$59,595$59,088$58,157
2 years$30,293$29,728$29,182$28,652$28,137$27,202
3 years$19,994$19,428$18,882$18,357$17,851$16,940
4 years$14,846$14,282$13,742$13,225$12,732$11,852
5 years$11,758$11,197$10,664$10,158$9,679$8,833
6 years$9,700$9,143$8,618$8,124$7,658$6,848
7 years$8,231$7,678$7,162$6,679$6,228$5,453
8 years$7,129$6,582$6,074$5,603$5,167$4,427
9 years$6,273$5,731$5,231$4,772$4,351$3,646
10 years$5,588$5,051$4,561$4,114$3,708$3,037
11 years$5,029$4,497$4,015$3,580$3,189$2,552
12 years$4,562$4,036$3,563$3,140$2,763$2,159
13 years$4,168$3,647$3,184$2,772$2,410$1,837
14 years$3,831$3,315$2,861$2,461$2,112$1,571
15 years$3,538$3,029$2,583$2,195$1,860$1,348
16 years$3,283$2,779$2,342$1,965$1,644$1,161
17 years$3,058$2,559$2,131$1,766$1,457$1,003
18 years$2,858$2,365$1,945$1,591$1,296$868
19 years$2,679$2,192$1,781$1,438$1,155$753
20 years$2,518$2,037$1,634$1,302$1,032$654
21 years$2,373$1,897$1,503$1,182$923$569
22 years$2,242$1,771$1,385$1,075$828$496
23 years$2,121$1,656$1,279$979$743$433
24 years$2,011$1,552$1,183$893$668$378
25 years$1,910$1,456$1,096$815$601$330
26 years$1,817$1,369$1,016$745$541$288
27 years$1,731$1,288$944$682$488$252
28 years$1,652$1,214$877$625$440$221
29 years$1,577$1,145$816$573$398$194
30 years$1,508$1,081$760$526$359$170
31 years$1,444$1,022$709$483$325$149
32 years$1,384$967$661$444$294$130
33 years$1,327$916$618$408$266$114
34 years$1,274$868$577$376$241$100
35 years$1,224$823$539$346$218$88
36 years$1,177$782$505$319$198$77
37 years$1,132$742$472$293$179$68
38 years$1,090$705$442$270$162$59
39 years$1,051$671$414$249$147$52
40 years$1,013$638$388$230$134$46
41 years$977$608$364$212$121$40
42 years$943$579$342$196$110$35
43 years$911$551$321$181$100$31
44 years$880$525$301$167$91$27
45 years$851$501$283$154$82$24
46 years$823$478$265$142$75$21
47 years$797$456$249$132$68$18
48 years$771$435$234$122$62$16
49 years$747$416$220$112$56$14
50 years$723$397$207$104$51$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $741,000, adding $6,811 every year, while hoping to spend $37,737 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: 62/31/7 Blend
51$741,000$741,000$741,000$741,000
52$823,608$784,335$772,849$873,124
53$867,464$782,615$758,588$905,308
54$914,528$779,547$742,584$935,411
55$965,089$775,023$724,739$967,299
56$1,019,461$768,932$704,951$1,001,145
57$1,077,991$761,155$683,111$1,037,138
58$1,141,059$751,564$659,109$1,075,489
59$1,209,083$740,027$632,825$1,116,432
60$1,282,522$726,401$604,137$1,160,225
61$1,361,881$710,536$572,917$1,207,155
62$1,447,713$692,272$539,030$1,257,539
63$1,540,628$671,442$502,336$1,311,729
64$1,641,295$647,866$462,687$1,370,113
65$1,750,452$621,356$419,932$1,433,123
66$1,868,907$591,712$373,909$1,501,235
67$1,997,553$558,723$324,452$1,574,978
68$2,137,367$522,164$271,385$1,654,935
69$2,289,429$481,801$214,527$1,741,753
70$2,454,923$437,382$153,686$1,836,147
71$2,635,155$388,643$88,665$1,938,909
72$2,831,561$335,306$19,254$2,050,913
73$3,045,720$277,076$0$2,173,129
74$3,279,371$213,640$0$2,310,720
75$3,534,428$144,671$0$2,462,578
76$3,813,000$69,819$0$2,628,589
77$4,117,404$0$0$2,810,219
78$4,450,195$0$0$3,012,935
79$4,814,185$0$0$3,260,758
80$5,212,469$0$0$3,531,984
81$5,648,456$0$0$3,828,942
82$6,125,899$0$0$4,154,195
83$6,648,932$0$0$4,510,568
84$7,222,108$0$0$4,901,169
85$7,850,440$0$0$5,329,422
86$8,539,450$0$0$5,799,100
87$9,295,219$0$0$6,314,357
88$10,124,446$0$0$6,879,768
89$11,034,509$0$0$7,500,373
90$12,033,535$0$0$8,181,725
91$13,130,478$0$0$8,929,938
92$14,335,199$0$0$9,751,749
93$15,658,562$0$0$10,654,581
94$17,112,535$0$0$11,646,608
95$18,710,302$0$0$12,736,838
96$20,466,389$0$0$13,935,192
97$22,396,797$0$0$15,252,604
98$24,519,156$0$0$16,701,117
99$26,852,889$0$0$18,293,999
100$29,419,395$0$0$20,045,870