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%11.7%
1 years$61,521$60,973$60,439$59,917$59,407$58,984
2 years$30,456$29,889$29,339$28,806$28,289$27,862
3 years$20,102$19,533$18,984$18,456$17,948$17,530
4 years$14,927$14,359$13,816$13,297$12,801$12,396
5 years$11,822$11,257$10,722$10,213$9,731$9,340
6 years$9,753$9,192$8,665$8,168$7,700$7,324
7 years$8,275$7,720$7,200$6,715$6,262$5,901
8 years$7,168$6,617$6,106$5,633$5,195$4,848
9 years$6,307$5,762$5,260$4,798$4,375$4,043
10 years$5,619$5,079$4,585$4,136$3,728$3,410
11 years$5,056$4,521$4,037$3,600$3,206$2,903
12 years$4,587$4,058$3,583$3,157$2,778$2,489
13 years$4,191$3,667$3,201$2,787$2,423$2,147
14 years$3,851$3,333$2,876$2,474$2,124$1,862
15 years$3,558$3,045$2,597$2,207$1,870$1,621
16 years$3,301$2,794$2,354$1,976$1,653$1,416
17 years$3,074$2,573$2,142$1,775$1,465$1,241
18 years$2,873$2,378$1,956$1,600$1,303$1,091
19 years$2,694$2,203$1,790$1,446$1,161$961
20 years$2,532$2,048$1,643$1,309$1,037$848
21 years$2,386$1,907$1,511$1,188$928$749
22 years$2,254$1,780$1,393$1,080$832$663
23 years$2,133$1,665$1,286$984$747$588
24 years$2,022$1,560$1,189$897$671$522
25 years$1,921$1,464$1,102$820$604$463
26 years$1,827$1,376$1,022$749$544$412
27 years$1,741$1,295$949$686$491$366
28 years$1,660$1,220$882$628$443$326
29 years$1,586$1,151$821$576$400$291
30 years$1,516$1,087$764$529$361$259
31 years$1,452$1,028$713$486$327$231
32 years$1,391$972$665$446$295$206
33 years$1,334$921$621$411$267$184
34 years$1,281$873$580$378$242$164
35 years$1,231$828$542$348$219$147
36 years$1,183$786$507$320$199$131
37 years$1,139$746$475$295$180$117
38 years$1,096$709$445$272$163$105
39 years$1,056$674$417$251$148$93
40 years$1,019$642$391$231$134$84
41 years$983$611$366$213$122$75
42 years$948$582$343$197$110$67
43 years$916$554$322$182$100$60
44 years$885$528$303$168$91$53
45 years$856$504$284$155$83$48
46 years$828$481$267$143$75$43
47 years$801$459$251$132$68$38
48 years$775$438$236$122$62$34
49 years$751$418$221$113$56$31
50 years$727$399$208$104$51$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $745,000, adding $3,274 every year, while hoping to spend $25,799 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: 68/5/27 Blend
51$745,000$745,000$745,000$745,000
52$824,367$784,882$773,335$874,437
53$881,003$795,891$771,791$919,517
54$942,550$806,575$769,332$965,582
55$1,009,484$816,891$765,898$1,015,394
56$1,082,325$826,792$761,429$1,069,325
57$1,161,646$836,230$755,861$1,127,783
58$1,248,080$845,150$749,128$1,191,222
59$1,342,320$853,499$741,160$1,260,137
60$1,445,131$861,215$731,883$1,335,080
61$1,557,354$868,234$721,221$1,416,656
62$1,679,916$874,490$709,094$1,505,532
63$1,813,837$879,908$695,418$1,602,447
64$1,960,238$884,414$680,104$1,708,213
65$2,120,356$887,923$663,061$1,823,725
66$2,295,551$890,350$644,192$1,949,973
67$2,487,322$891,603$623,398$2,088,046
68$2,697,319$891,581$600,572$2,239,147
69$2,927,359$890,182$575,604$2,404,600
70$3,179,442$887,294$548,380$2,585,868
71$3,455,773$882,799$518,778$2,784,562
72$3,758,779$876,573$486,674$3,002,460
73$4,091,133$868,484$451,936$3,241,521
74$4,455,779$858,390$414,427$3,503,905
75$4,855,960$846,143$374,002$3,791,997
76$5,295,249$831,585$330,512$4,108,422
77$5,777,581$814,549$283,801$4,456,076
78$6,307,291$794,859$233,705$4,838,155
79$6,889,153$772,326$180,053$5,258,178
80$7,528,429$746,752$122,667$5,720,028
81$8,230,914$717,927$61,361$6,227,984
82$9,002,991$685,630$0$6,786,765
83$9,851,695$649,624$0$7,402,744
84$10,784,773$609,662$0$8,099,426
85$11,810,765$565,480$0$8,865,497
86$12,939,075$516,800$0$9,707,992
87$14,180,066$463,329$0$10,634,660
88$15,545,156$404,756$0$11,654,040
89$17,046,926$340,752$0$12,775,541
90$18,699,235$270,972$0$14,009,532
91$20,517,355$195,048$0$15,367,437
92$22,518,114$112,594$0$16,861,844
93$24,720,052$23,201$0$18,506,625
94$27,143,598$0$0$20,317,066
95$29,811,262$0$0$22,314,057
96$32,747,846$0$0$24,513,818
97$35,980,681$0$0$26,935,553
98$39,539,881$0$0$29,601,827
99$43,458,628$0$0$32,537,504
100$47,773,486$0$0$35,769,983