Can I retire at age 52 with 744,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $744,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$61,439$60,892$60,358$59,836$59,328$59,053
2 years$30,415$29,849$29,300$28,768$28,251$27,974
3 years$20,075$19,507$18,959$18,432$17,924$17,652
4 years$14,907$14,339$13,797$13,279$12,783$12,520
5 years$11,806$11,242$10,707$10,200$9,718$9,463
6 years$9,740$9,180$8,653$8,157$7,689$7,444
7 years$8,264$7,709$7,191$6,706$6,253$6,018
8 years$7,158$6,608$6,098$5,626$5,188$4,961
9 years$6,298$5,754$5,252$4,792$4,369$4,152
10 years$5,611$5,072$4,579$4,130$3,723$3,514
11 years$5,049$4,515$4,031$3,595$3,202$3,003
12 years$4,581$4,052$3,578$3,153$2,774$2,584
13 years$4,185$3,662$3,197$2,784$2,419$2,238
14 years$3,846$3,329$2,872$2,471$2,121$1,948
15 years$3,553$3,041$2,593$2,204$1,867$1,703
16 years$3,296$2,790$2,351$1,973$1,650$1,494
17 years$3,070$2,570$2,139$1,773$1,463$1,315
18 years$2,869$2,374$1,953$1,598$1,301$1,160
19 years$2,690$2,201$1,788$1,444$1,160$1,026
20 years$2,529$2,045$1,641$1,308$1,036$909
21 years$2,383$1,905$1,509$1,187$927$807
22 years$2,251$1,778$1,391$1,079$831$718
23 years$2,130$1,663$1,284$983$746$639
24 years$2,020$1,558$1,188$896$670$570
25 years$1,918$1,462$1,100$818$603$508
26 years$1,825$1,374$1,020$748$543$454
27 years$1,738$1,293$947$685$490$406
28 years$1,658$1,219$881$628$442$363
29 years$1,584$1,150$820$576$399$325
30 years$1,514$1,086$763$528$361$291
31 years$1,450$1,026$712$485$326$261
32 years$1,389$971$664$446$295$234
33 years$1,332$920$620$410$267$210
34 years$1,279$872$579$377$242$188
35 years$1,229$827$542$347$219$169
36 years$1,182$785$507$320$198$152
37 years$1,137$745$474$295$180$136
38 years$1,095$708$444$272$163$122
39 years$1,055$674$416$250$148$110
40 years$1,017$641$390$231$134$99
41 years$981$610$366$213$122$89
42 years$947$581$343$197$110$80
43 years$915$553$322$182$100$72
44 years$884$528$302$168$91$64
45 years$855$503$284$155$83$58
46 years$827$480$266$143$75$52
47 years$800$458$250$132$68$47
48 years$774$437$235$122$62$42
49 years$750$418$221$113$56$38
50 years$726$399$208$104$51$34

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $744,000, adding $5,647 every year, while hoping to spend $52,810 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: 41/40/19 Blend
51$744,000$744,000$744,000$744,000
52$825,713$786,281$774,749$854,736
53$853,746$768,619$744,514$858,257
54$882,869$748,322$711,495$856,535
55$913,136$725,205$675,545$853,575
56$944,608$699,072$636,508$849,291
57$977,347$669,715$594,220$843,593
58$1,011,422$636,917$548,512$836,387
59$1,046,905$600,444$499,205$827,573
60$1,083,876$560,052$446,115$817,049
61$1,122,419$515,482$389,047$804,704
62$1,162,625$466,460$327,799$790,427
63$1,204,592$412,695$262,160$774,098
64$1,248,425$353,883$191,908$755,594
65$1,294,241$289,699$116,813$734,786
66$1,342,161$219,803$36,634$711,538
67$1,392,321$143,832$0$685,712
68$1,444,865$61,407$0$667,080
69$1,499,949$0$0$654,143
70$1,557,745$0$0$651,634
71$1,618,438$0$0$677,412
72$1,682,227$0$0$704,538
73$1,749,333$0$0$733,109
74$1,819,992$0$0$763,230
75$1,894,464$0$0$795,017
76$1,973,030$0$0$828,595
77$2,055,998$0$0$864,102
78$2,143,703$0$0$901,686
79$2,236,510$0$0$941,511
80$2,334,819$0$0$983,756
81$2,439,067$0$0$1,028,616
82$2,549,730$0$0$1,076,303
83$2,667,330$0$0$1,127,052
84$2,792,437$0$0$1,181,118
85$2,925,675$0$0$1,238,780
86$3,067,729$0$0$1,300,345
87$3,219,347$0$0$1,366,149
88$3,381,350$0$0$1,436,560
89$3,554,636$0$0$1,511,981
90$3,740,191$0$0$1,592,856
91$3,939,097$0$0$1,679,669
92$4,152,539$0$0$1,772,953
93$4,381,820$0$0$1,873,295
94$4,628,368$0$0$1,981,335
95$4,893,751$0$0$2,097,780
96$5,179,692$0$0$2,223,405
97$5,488,082$0$0$2,359,060
98$5,821,000$0$0$2,505,681
99$6,180,730$0$0$2,664,296
100$6,569,780$0$0$2,836,036