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%11.2%
1 years$61,356$60,810$60,277$59,756$59,248$58,949
2 years$30,374$29,809$29,260$28,729$28,213$27,911
3 years$20,048$19,480$18,933$18,407$17,900$17,604
4 years$14,886$14,320$13,779$13,261$12,766$12,480
5 years$11,790$11,227$10,693$10,186$9,705$9,428
6 years$9,727$9,168$8,641$8,146$7,679$7,412
7 years$8,253$7,699$7,181$6,697$6,245$5,988
8 years$7,149$6,600$6,090$5,618$5,181$4,935
9 years$6,290$5,746$5,245$4,785$4,363$4,127
10 years$5,603$5,065$4,573$4,125$3,718$3,491
11 years$5,042$4,509$4,026$3,590$3,197$2,981
12 years$4,575$4,047$3,573$3,149$2,771$2,564
13 years$4,179$3,657$3,192$2,780$2,416$2,219
14 years$3,841$3,324$2,868$2,468$2,118$1,930
15 years$3,548$3,037$2,590$2,201$1,865$1,686
16 years$3,292$2,786$2,348$1,971$1,648$1,478
17 years$3,066$2,566$2,136$1,771$1,461$1,300
18 years$2,865$2,371$1,950$1,596$1,299$1,146
19 years$2,686$2,198$1,785$1,442$1,158$1,013
20 years$2,525$2,042$1,639$1,306$1,034$897
21 years$2,380$1,902$1,507$1,185$926$796
22 years$2,248$1,776$1,389$1,078$830$707
23 years$2,127$1,661$1,283$981$745$629
24 years$2,017$1,556$1,186$895$669$560
25 years$1,916$1,460$1,099$817$602$500
26 years$1,822$1,372$1,019$747$543$446
27 years$1,736$1,292$946$684$489$398
28 years$1,656$1,217$880$627$441$356
29 years$1,582$1,148$819$575$399$319
30 years$1,512$1,084$762$527$360$285
31 years$1,448$1,025$711$484$326$255
32 years$1,387$970$663$445$295$229
33 years$1,331$918$619$409$267$205
34 years$1,277$870$579$377$241$184
35 years$1,227$826$541$347$219$165
36 years$1,180$784$506$319$198$148
37 years$1,136$744$474$294$180$133
38 years$1,093$707$444$271$163$119
39 years$1,054$673$416$250$148$107
40 years$1,016$640$389$231$134$96
41 years$980$609$365$213$121$86
42 years$946$580$343$196$110$77
43 years$914$553$321$181$100$69
44 years$883$527$302$167$91$62
45 years$853$502$283$155$82$56
46 years$825$479$266$143$75$50
47 years$799$457$250$132$68$45
48 years$773$437$235$122$62$41
49 years$749$417$221$113$56$37
50 years$725$398$208$104$51$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $743,000, adding $4,010 every year, while hoping to spend $35,985 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: 60/18/22 Blend
51$743,000$743,000$743,000$743,000
52$822,922$783,543$772,027$867,281
53$868,573$783,649$759,602$897,943
54$917,673$782,554$745,555$927,101
55$970,538$780,161$729,793$958,116
56$1,027,512$776,368$712,220$991,174
57$1,088,973$771,065$692,735$1,026,483
58$1,155,338$764,138$671,231$1,064,272
59$1,227,064$755,462$647,599$1,104,795
60$1,304,654$744,908$621,722$1,148,333
61$1,388,658$732,339$593,480$1,195,198
62$1,479,686$717,608$562,746$1,245,736
63$1,578,404$700,561$529,388$1,300,328
64$1,685,547$681,034$493,268$1,359,399
65$1,801,922$658,854$454,242$1,423,416
66$1,928,417$633,837$412,158$1,492,898
67$2,066,010$605,789$366,860$1,568,418
68$2,215,776$574,505$318,182$1,650,613
69$2,378,897$539,768$265,953$1,740,182
70$2,556,676$501,348$209,994$1,837,905
71$2,750,544$459,002$150,116$1,944,639
72$2,962,080$412,473$86,125$2,061,334
73$3,193,018$361,490$17,816$2,189,040
74$3,445,268$305,766$0$2,328,919
75$3,720,936$244,998$0$2,495,182
76$4,022,335$178,867$0$2,681,623
77$4,352,016$107,034$0$2,885,675
78$4,712,785$29,142$0$3,109,127
79$5,107,734$0$0$3,353,952
80$5,540,266$0$0$3,633,255
81$6,014,131$0$0$3,945,630
82$6,533,455$0$0$4,288,034
83$7,102,786$0$0$4,663,471
84$7,727,131$0$0$5,075,251
85$8,412,004$0$0$5,527,021
86$9,163,480$0$0$6,022,795
87$9,988,251$0$0$6,566,996
88$10,893,687$0$0$7,164,497
89$11,887,906$0$0$7,820,665
90$12,979,852$0$0$8,541,412
91$14,179,376$0$0$9,333,250
92$15,497,333$0$0$10,203,355
93$16,945,679$0$0$11,159,632
94$18,537,586$0$0$12,210,788
95$20,287,567$0$0$13,366,418
96$22,211,608$0$0$14,637,091
97$24,327,325$0$0$16,034,452
98$26,654,124$0$0$17,571,333
99$29,213,387$0$0$19,261,868
100$32,028,673$0$0$21,121,632