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%15.4%
1 years$61,356$60,810$60,277$59,756$59,248$57,933
2 years$30,374$29,809$29,260$28,729$28,213$26,896
3 years$20,048$19,480$18,933$18,407$17,900$16,620
4 years$14,886$14,320$13,779$13,261$12,766$11,535
5 years$11,790$11,227$10,693$10,186$9,705$8,525
6 years$9,727$9,168$8,641$8,146$7,679$6,552
7 years$8,253$7,699$7,181$6,697$6,245$5,171
8 years$7,149$6,600$6,090$5,618$5,181$4,159
9 years$6,290$5,746$5,245$4,785$4,363$3,393
10 years$5,603$5,065$4,573$4,125$3,718$2,798
11 years$5,042$4,509$4,026$3,590$3,197$2,327
12 years$4,575$4,047$3,573$3,149$2,771$1,949
13 years$4,179$3,657$3,192$2,780$2,416$1,641
14 years$3,841$3,324$2,868$2,468$2,118$1,388
15 years$3,548$3,037$2,590$2,201$1,865$1,178
16 years$3,292$2,786$2,348$1,971$1,648$1,003
17 years$3,066$2,566$2,136$1,771$1,461$857
18 years$2,865$2,371$1,950$1,596$1,299$733
19 years$2,686$2,198$1,785$1,442$1,158$628
20 years$2,525$2,042$1,639$1,306$1,034$539
21 years$2,380$1,902$1,507$1,185$926$464
22 years$2,248$1,776$1,389$1,078$830$399
23 years$2,127$1,661$1,283$981$745$344
24 years$2,017$1,556$1,186$895$669$296
25 years$1,916$1,460$1,099$817$602$256
26 years$1,822$1,372$1,019$747$543$221
27 years$1,736$1,292$946$684$489$191
28 years$1,656$1,217$880$627$441$165
29 years$1,582$1,148$819$575$399$142
30 years$1,512$1,084$762$527$360$123
31 years$1,448$1,025$711$484$326$106
32 years$1,387$970$663$445$295$92
33 years$1,331$918$619$409$267$80
34 years$1,277$870$579$377$241$69
35 years$1,227$826$541$347$219$60
36 years$1,180$784$506$319$198$52
37 years$1,136$744$474$294$180$45
38 years$1,093$707$444$271$163$39
39 years$1,054$673$416$250$148$34
40 years$1,016$640$389$231$134$29
41 years$980$609$365$213$121$25
42 years$946$580$343$196$110$22
43 years$914$553$321$181$100$19
44 years$883$527$302$167$91$16
45 years$853$502$283$155$82$14
46 years$825$479$266$143$75$12
47 years$799$457$250$132$68$11
48 years$773$437$235$122$62$9
49 years$749$417$221$113$56$8
50 years$725$398$208$104$51$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $743,000, adding $2,653 every year, while hoping to spend $31,822 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: 36/39/25 Blend
51$743,000$743,000$743,000$743,000
52$821,523$782,144$770,627$844,832
53$871,460$786,610$762,585$866,742
54$925,423$790,229$753,206$887,277
55$983,792$792,925$742,414$908,818
56$1,046,979$794,619$730,125$931,476
57$1,115,440$795,225$716,254$955,375
58$1,189,677$794,653$700,710$980,654
59$1,270,241$792,808$683,401$1,007,468
60$1,357,738$789,588$664,227$1,035,991
61$1,452,834$784,885$643,086$1,066,416
62$1,556,263$778,584$619,869$1,098,960
63$1,668,832$770,565$594,465$1,133,864
64$1,791,429$760,698$566,755$1,171,398
65$1,925,030$748,848$536,617$1,211,862
66$2,070,712$734,870$503,922$1,255,590
67$2,229,656$718,611$468,536$1,302,954
68$2,403,167$699,908$430,317$1,354,369
69$2,592,677$678,591$389,120$1,410,295
70$2,799,766$654,478$344,791$1,471,245
71$3,026,170$627,375$297,170$1,537,788
72$3,273,804$597,082$246,090$1,610,558
73$3,544,775$563,381$191,376$1,690,257
74$3,841,400$526,045$132,846$1,777,664
75$4,166,237$484,835$70,310$1,873,647
76$4,522,096$439,495$3,568$1,979,166
77$4,912,076$389,756$0$2,095,286
78$5,339,589$335,336$0$2,241,236
79$5,808,393$275,933$0$2,402,468
80$6,322,626$211,231$0$2,579,540
81$6,886,847$140,894$0$2,774,124
82$7,506,077$64,569$0$2,988,066
83$8,185,846$0$0$3,223,407
84$8,932,247$0$0$3,490,178
85$9,751,992$0$0$3,813,704
86$10,652,474$0$0$4,169,207
87$11,641,836$0$0$4,559,917
88$12,729,053$0$0$4,989,390
89$13,924,007$0$0$5,461,548
90$15,237,589$0$0$5,980,707
91$16,681,797$0$0$6,551,626
92$18,269,848$0$0$7,179,547
93$20,016,306$0$0$7,870,244
94$21,937,214$0$0$8,630,083
95$24,050,251$0$0$9,466,072
96$26,374,895$0$0$10,385,937
97$28,932,605$0$0$11,398,191
98$31,747,026$0$0$12,512,209
99$34,844,213$0$0$13,738,327
100$38,252,870$0$0$15,087,930