Can I retire at age 52 with 742,000?

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 $742,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$61,274$60,728$60,195$59,676$59,168$58,405
2 years$30,333$29,769$29,221$28,690$28,175$27,407
3 years$20,021$19,454$18,908$18,382$17,876$17,127
4 years$14,866$14,301$13,760$13,243$12,749$12,025
5 years$11,774$11,212$10,678$10,172$9,692$8,995
6 years$9,713$9,155$8,630$8,135$7,669$7,000
7 years$8,242$7,689$7,171$6,688$6,237$5,596
8 years$7,139$6,591$6,082$5,610$5,174$4,561
9 years$6,281$5,738$5,238$4,779$4,357$3,773
10 years$5,596$5,058$4,567$4,119$3,713$3,155
11 years$5,035$4,503$4,021$3,585$3,193$2,663
12 years$4,569$4,042$3,568$3,145$2,767$2,263
13 years$4,174$3,652$3,188$2,776$2,413$1,935
14 years$3,836$3,320$2,864$2,464$2,115$1,662
15 years$3,543$3,033$2,586$2,198$1,862$1,433
16 years$3,287$2,783$2,345$1,968$1,646$1,240
17 years$3,062$2,563$2,134$1,768$1,459$1,077
18 years$2,862$2,368$1,948$1,593$1,298$937
19 years$2,683$2,195$1,783$1,440$1,157$817
20 years$2,522$2,039$1,636$1,304$1,033$713
21 years$2,376$1,900$1,505$1,184$924$624
22 years$2,245$1,773$1,387$1,076$829$546
23 years$2,124$1,658$1,281$980$744$479
24 years$2,014$1,554$1,185$894$669$421
25 years$1,913$1,458$1,097$816$602$370
26 years$1,820$1,370$1,018$746$542$325
27 years$1,734$1,290$945$683$489$286
28 years$1,654$1,215$878$626$441$252
29 years$1,580$1,147$817$574$398$222
30 years$1,510$1,083$761$527$360$195
31 years$1,446$1,024$710$484$325$172
32 years$1,385$969$662$445$294$152
33 years$1,329$917$618$409$266$134
34 years$1,276$869$578$376$241$118
35 years$1,226$825$540$346$218$104
36 years$1,178$783$505$319$198$92
37 years$1,134$743$473$294$179$81
38 years$1,092$706$443$271$163$72
39 years$1,052$672$415$250$147$63
40 years$1,014$639$389$230$134$56
41 years$979$608$365$213$121$49
42 years$945$579$342$196$110$44
43 years$912$552$321$181$100$39
44 years$882$526$301$167$91$34
45 years$852$502$283$154$82$30
46 years$824$479$266$143$75$27
47 years$798$457$250$132$68$24
48 years$772$436$235$122$62$21
49 years$748$416$221$113$56$18
50 years$724$398$207$104$51$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $742,000, adding $4,837 every year, while hoping to spend $50,009 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: 35/40/25 Blend
51$742,000$742,000$742,000$742,000
52$822,673$783,347$771,846$845,106
53$853,377$768,522$744,494$847,366
54$885,536$751,295$714,549$844,911
55$919,247$731,494$681,873$841,272
56$954,612$708,939$646,318$836,376
57$991,746$683,440$607,732$830,146
58$1,030,769$654,795$565,957$822,505
59$1,071,816$622,788$520,825$813,370
60$1,115,030$587,194$472,162$802,658
61$1,160,570$547,773$419,786$790,282
62$1,208,607$504,273$363,508$776,153
63$1,259,328$456,425$303,128$760,180
64$1,312,937$403,948$238,441$742,269
65$1,369,657$346,541$169,228$722,325
66$1,429,730$283,890$95,266$700,252
67$1,493,423$215,660$16,317$675,950
68$1,561,024$141,500$0$649,321
69$1,632,852$61,037$0$638,386
70$1,709,253$0$0$630,746
71$1,790,608$0$0$633,514
72$1,877,331$0$0$665,164
73$1,969,879$0$0$699,004
74$2,068,750$0$0$735,224
75$2,174,492$0$0$774,033
76$2,287,703$0$0$815,662
77$2,409,041$0$0$860,361
78$2,539,227$0$0$908,406
79$2,679,052$0$0$960,101
80$2,829,386$0$0$1,015,779
81$2,991,182$0$0$1,075,805
82$3,165,486$0$0$1,140,580
83$3,353,450$0$0$1,210,547
84$3,556,336$0$0$1,286,189
85$3,775,533$0$0$1,368,040
86$4,012,566$0$0$1,456,686
87$4,269,112$0$0$1,552,771
88$4,547,014$0$0$1,657,002
89$4,848,300$0$0$1,770,160
90$5,175,198$0$0$1,893,100
91$5,530,159$0$0$2,026,764
92$5,915,880$0$0$2,172,191
93$6,335,326$0$0$2,330,520
94$6,791,760$0$0$2,503,007
95$7,288,773$0$0$2,691,033
96$7,830,315$0$0$2,896,118
97$8,420,734$0$0$3,119,935
98$9,064,816$0$0$3,364,327
99$9,767,826$0$0$3,631,321
100$10,535,563$0$0$3,923,149