Can I retire at age 52 with 745,000?

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 $745,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$61,521$60,973$60,439$59,917$59,407$58,860
2 years$30,456$29,889$29,339$28,806$28,289$27,738
3 years$20,102$19,533$18,984$18,456$17,948$17,410
4 years$14,927$14,359$13,816$13,297$12,801$12,280
5 years$11,822$11,257$10,722$10,213$9,731$9,228
6 years$9,753$9,192$8,665$8,168$7,700$7,217
7 years$8,275$7,720$7,200$6,715$6,262$5,798
8 years$7,168$6,617$6,106$5,633$5,195$4,751
9 years$6,307$5,762$5,260$4,798$4,375$3,950
10 years$5,619$5,079$4,585$4,136$3,728$3,322
11 years$5,056$4,521$4,037$3,600$3,206$2,819
12 years$4,587$4,058$3,583$3,157$2,778$2,409
13 years$4,191$3,667$3,201$2,787$2,423$2,072
14 years$3,851$3,333$2,876$2,474$2,124$1,790
15 years$3,558$3,045$2,597$2,207$1,870$1,554
16 years$3,301$2,794$2,354$1,976$1,653$1,353
17 years$3,074$2,573$2,142$1,775$1,465$1,182
18 years$2,873$2,378$1,956$1,600$1,303$1,035
19 years$2,694$2,203$1,790$1,446$1,161$908
20 years$2,532$2,048$1,643$1,309$1,037$798
21 years$2,386$1,907$1,511$1,188$928$703
22 years$2,254$1,780$1,393$1,080$832$620
23 years$2,133$1,665$1,286$984$747$547
24 years$2,022$1,560$1,189$897$671$484
25 years$1,921$1,464$1,102$820$604$428
26 years$1,827$1,376$1,022$749$544$379
27 years$1,741$1,295$949$686$491$336
28 years$1,660$1,220$882$628$443$298
29 years$1,586$1,151$821$576$400$264
30 years$1,516$1,087$764$529$361$235
31 years$1,452$1,028$713$486$327$208
32 years$1,391$972$665$446$295$185
33 years$1,334$921$621$411$267$165
34 years$1,281$873$580$378$242$146
35 years$1,231$828$542$348$219$130
36 years$1,183$786$507$320$199$116
37 years$1,139$746$475$295$180$103
38 years$1,096$709$445$272$163$92
39 years$1,056$674$417$251$148$82
40 years$1,019$642$391$231$134$73
41 years$983$611$366$213$122$65
42 years$948$582$343$197$110$58
43 years$916$554$322$182$100$51
44 years$885$528$303$168$91$46
45 years$856$504$284$155$83$41
46 years$828$481$267$143$75$36
47 years$801$459$251$132$68$32
48 years$775$438$236$122$62$29
49 years$751$418$221$113$56$26
50 years$727$399$208$104$51$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $745,000, adding $6,056 every year, while hoping to spend $50,736 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: 64/20/16 Blend
51$745,000$745,000$745,000$745,000
52$827,237$787,752$776,204$876,555
53$857,632$772,369$748,224$894,983
54$889,428$754,532$717,607$908,739
55$922,712$734,067$684,209$922,539
56$957,582$710,789$647,884$936,387
57$994,143$684,505$608,475$950,292
58$1,032,508$655,008$565,821$964,263
59$1,072,800$622,080$519,753$978,314
60$1,115,154$585,491$470,093$992,461
61$1,159,715$544,995$416,657$1,006,727
62$1,206,642$500,336$359,251$1,021,137
63$1,256,108$451,241$297,674$1,035,723
64$1,308,300$397,421$231,716$1,050,521
65$1,363,425$338,573$161,156$1,065,578
66$1,421,705$274,373$85,765$1,080,944
67$1,483,384$204,483$5,304$1,096,682
68$1,548,730$128,543$0$1,112,863
69$1,618,033$46,175$0$1,143,324
70$1,691,613$0$0$1,176,268
71$1,769,816$0$0$1,220,412
72$1,853,024$0$0$1,278,221
73$1,941,655$0$0$1,339,827
74$2,036,163$0$0$1,405,550
75$2,137,050$0$0$1,475,742
76$2,244,864$0$0$1,550,789
77$2,360,204$0$0$1,631,114
78$2,483,729$0$0$1,717,179
79$2,616,161$0$0$1,809,492
80$2,758,293$0$0$1,908,613
81$2,910,994$0$0$2,015,152
82$3,075,218$0$0$2,129,781
83$3,252,013$0$0$2,253,239
84$3,442,529$0$0$2,386,336
85$3,648,031$0$0$2,529,961
86$3,869,906$0$0$2,685,093
87$4,109,680$0$0$2,852,807
88$4,369,031$0$0$3,034,283
89$4,649,800$0$0$3,230,820
90$4,954,014$0$0$3,443,845
91$5,283,901$0$0$3,674,929
92$5,641,910$0$0$3,925,797
93$6,030,737$0$0$4,198,349
94$6,453,344$0$0$4,494,673
95$6,912,993$0$0$4,817,066
96$7,413,270$0$0$5,168,058
97$7,958,123$0$0$5,550,430
98$8,551,895$0$0$5,967,244
99$9,199,366$0$0$6,421,869
100$9,905,797$0$0$6,918,014