Can I retire at age 52 with 743,000?

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 $743,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$61,356$60,810$60,277$59,756$59,248$58,147
2 years$30,374$29,809$29,260$28,729$28,213$27,108
3 years$20,048$19,480$18,933$18,407$17,900$16,825
4 years$14,886$14,320$13,779$13,261$12,766$11,730
5 years$11,790$11,227$10,693$10,186$9,705$8,710
6 years$9,727$9,168$8,641$8,146$7,679$6,727
7 years$8,253$7,699$7,181$6,697$6,245$5,336
8 years$7,149$6,600$6,090$5,618$5,181$4,314
9 years$6,290$5,746$5,245$4,785$4,363$3,539
10 years$5,603$5,065$4,573$4,125$3,718$2,935
11 years$5,042$4,509$4,026$3,590$3,197$2,455
12 years$4,575$4,047$3,573$3,149$2,771$2,068
13 years$4,179$3,657$3,192$2,780$2,416$1,751
14 years$3,841$3,324$2,868$2,468$2,118$1,490
15 years$3,548$3,037$2,590$2,201$1,865$1,273
16 years$3,292$2,786$2,348$1,971$1,648$1,091
17 years$3,066$2,566$2,136$1,771$1,461$938
18 years$2,865$2,371$1,950$1,596$1,299$807
19 years$2,686$2,198$1,785$1,442$1,158$697
20 years$2,525$2,042$1,639$1,306$1,034$602
21 years$2,380$1,902$1,507$1,185$926$521
22 years$2,248$1,776$1,389$1,078$830$452
23 years$2,127$1,661$1,283$981$745$392
24 years$2,017$1,556$1,186$895$669$340
25 years$1,916$1,460$1,099$817$602$296
26 years$1,822$1,372$1,019$747$543$257
27 years$1,736$1,292$946$684$489$224
28 years$1,656$1,217$880$627$441$195
29 years$1,582$1,148$819$575$399$170
30 years$1,512$1,084$762$527$360$148
31 years$1,448$1,025$711$484$326$129
32 years$1,387$970$663$445$295$112
33 years$1,331$918$619$409$267$98
34 years$1,277$870$579$377$241$85
35 years$1,227$826$541$347$219$74
36 years$1,180$784$506$319$198$65
37 years$1,136$744$474$294$180$57
38 years$1,093$707$444$271$163$49
39 years$1,054$673$416$250$148$43
40 years$1,016$640$389$231$134$38
41 years$980$609$365$213$121$33
42 years$946$580$343$196$110$29
43 years$914$553$321$181$100$25
44 years$883$527$302$167$91$22
45 years$853$502$283$155$82$19
46 years$825$479$266$143$75$17
47 years$799$457$250$132$68$15
48 years$773$437$235$122$62$13
49 years$749$417$221$113$56$11
50 years$725$398$208$104$51$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $743,000, adding $4,095 every year, while hoping to spend $59,235 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: 55/28/17 Blend
51$743,000$743,000$743,000$743,000
52$823,010$783,631$772,114$864,332
53$843,931$759,003$734,955$868,329
54$865,002$731,184$694,565$865,982
55$886,173$699,953$650,774$862,101
56$907,392$665,079$603,404$856,556
57$928,596$626,318$552,268$849,203
58$949,715$583,411$497,171$839,890
59$970,670$536,082$437,911$828,452
60$991,371$484,043$374,274$814,714
61$1,011,717$426,987$306,038$798,485
62$1,031,594$364,591$232,972$779,561
63$1,050,874$296,513$154,834$757,720
64$1,069,413$222,393$71,371$732,726
65$1,087,051$141,847$0$704,324
66$1,103,607$54,475$0$675,447
67$1,118,881$0$0$656,614
68$1,132,648$0$0$646,967
69$1,144,658$0$0$653,001
70$1,154,632$0$0$657,762
71$1,162,260$0$0$661,060
72$1,167,197$0$0$662,685
73$1,169,058$0$0$662,404
74$1,167,417$0$0$659,955
75$1,161,801$0$0$655,051
76$1,151,685$0$0$647,373
77$1,136,485$0$0$636,564
78$1,115,555$0$0$622,232
79$1,088,180$0$0$603,942
80$1,053,566$0$0$581,211
81$1,010,835$0$0$553,505
82$959,014$0$0$520,233
83$897,027$0$0$480,741
84$823,684$0$0$434,304
85$737,667$0$0$380,124
86$637,520$0$0$317,316
87$521,634$0$0$244,901
88$388,229$0$0$161,799
89$235,338$0$0$66,816
90$60,788$0$0$0
91$0$0$0$0
92$0$0$0$0
93$0$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0