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%16.3%
1 years$61,521$60,973$60,439$59,917$59,407$57,877
2 years$30,456$29,889$29,339$28,806$28,289$26,758
3 years$20,102$19,533$18,984$18,456$17,948$16,463
4 years$14,927$14,359$13,816$13,297$12,801$11,374
5 years$11,822$11,257$10,722$10,213$9,731$8,366
6 years$9,753$9,192$8,665$8,168$7,700$6,398
7 years$8,275$7,720$7,200$6,715$6,262$5,024
8 years$7,168$6,617$6,106$5,633$5,195$4,020
9 years$6,307$5,762$5,260$4,798$4,375$3,262
10 years$5,619$5,079$4,585$4,136$3,728$2,675
11 years$5,056$4,521$4,037$3,600$3,206$2,212
12 years$4,587$4,058$3,583$3,157$2,778$1,842
13 years$4,191$3,667$3,201$2,787$2,423$1,541
14 years$3,851$3,333$2,876$2,474$2,124$1,296
15 years$3,558$3,045$2,597$2,207$1,870$1,093
16 years$3,301$2,794$2,354$1,976$1,653$925
17 years$3,074$2,573$2,142$1,775$1,465$784
18 years$2,873$2,378$1,956$1,600$1,303$667
19 years$2,694$2,203$1,790$1,446$1,161$568
20 years$2,532$2,048$1,643$1,309$1,037$484
21 years$2,386$1,907$1,511$1,188$928$413
22 years$2,254$1,780$1,393$1,080$832$353
23 years$2,133$1,665$1,286$984$747$302
24 years$2,022$1,560$1,189$897$671$259
25 years$1,921$1,464$1,102$820$604$221
26 years$1,827$1,376$1,022$749$544$190
27 years$1,741$1,295$949$686$491$163
28 years$1,660$1,220$882$628$443$140
29 years$1,586$1,151$821$576$400$120
30 years$1,516$1,087$764$529$361$103
31 years$1,452$1,028$713$486$327$88
32 years$1,391$972$665$446$295$76
33 years$1,334$921$621$411$267$65
34 years$1,281$873$580$378$242$56
35 years$1,231$828$542$348$219$48
36 years$1,183$786$507$320$199$41
37 years$1,139$746$475$295$180$35
38 years$1,096$709$445$272$163$30
39 years$1,056$674$417$251$148$26
40 years$1,019$642$391$231$134$23
41 years$983$611$366$213$122$19
42 years$948$582$343$197$110$17
43 years$916$554$322$182$100$14
44 years$885$528$303$168$91$12
45 years$856$504$284$155$83$11
46 years$828$481$267$143$75$9
47 years$801$459$251$132$68$8
48 years$775$438$236$122$62$7
49 years$751$418$221$113$56$6
50 years$727$399$208$104$51$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $745,000, adding $6,154 every year, while hoping to spend $51,748 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: 48/44/8 Blend
51$745,000$745,000$745,000$745,000
52$827,338$787,853$776,305$864,990
53$856,667$771,398$747,252$875,002
54$887,253$752,403$715,491$879,915
55$919,170$730,688$680,877$884,044
56$952,497$706,063$643,258$887,331
57$987,320$678,329$602,476$889,718
58$1,023,732$647,272$558,364$891,140
59$1,061,832$612,667$510,748$891,533
60$1,101,729$574,279$459,449$890,829
61$1,143,541$531,854$404,276$888,961
62$1,187,395$485,127$345,032$885,855
63$1,233,429$433,819$281,511$881,439
64$1,281,794$377,631$213,496$875,638
65$1,332,652$316,250$140,764$868,374
66$1,386,182$249,345$63,079$859,570
67$1,442,576$176,567$0$849,145
68$1,502,045$97,545$0$838,713
69$1,564,818$11,889$0$832,356
70$1,631,145$0$0$824,626
71$1,701,299$0$0$854,594
72$1,775,577$0$0$892,457
73$1,854,306$0$0$932,628
74$1,937,840$0$0$975,295
75$2,026,567$0$0$1,020,662
76$2,120,914$0$0$1,068,951
77$2,221,345$0$0$1,120,408
78$2,328,368$0$0$1,175,299
79$2,442,542$0$0$1,233,919
80$2,564,477$0$0$1,296,588
81$2,694,843$0$0$1,363,658
82$2,834,373$0$0$1,435,517
83$2,983,871$0$0$1,512,588
84$3,144,221$0$0$1,595,335
85$3,316,390$0$0$1,684,269
86$3,501,441$0$0$1,779,949
87$3,700,541$0$0$1,882,992
88$3,914,971$0$0$1,994,072
89$4,146,137$0$0$2,113,930
90$4,395,586$0$0$2,243,383
91$4,665,014$0$0$2,383,326
92$4,956,287$0$0$2,534,744
93$5,271,458$0$0$2,698,718
94$5,612,778$0$0$2,876,438
95$5,982,728$0$0$3,069,213
96$6,384,032$0$0$3,278,482
97$6,819,688$0$0$3,505,826
98$7,292,993$0$0$3,752,987
99$7,807,571$0$0$4,021,880
100$8,367,413$0$0$4,314,612