Can I retire at age 52 with 746,000?

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 $746,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$61,604$61,055$60,520$59,997$59,487$58,096
2 years$30,497$29,929$29,379$28,845$28,327$26,934
3 years$20,129$19,559$19,010$18,481$17,972$16,620
4 years$14,947$14,378$13,834$13,315$12,818$11,517
5 years$11,838$11,272$10,736$10,227$9,744$8,498
6 years$9,766$9,205$8,676$8,179$7,710$6,521
7 years$8,286$7,730$7,210$6,724$6,270$5,137
8 years$7,177$6,626$6,115$5,641$5,202$4,125
9 years$6,315$5,769$5,267$4,805$4,381$3,359
10 years$5,626$5,085$4,592$4,142$3,733$2,765
11 years$5,062$4,527$4,042$3,604$3,210$2,295
12 years$4,593$4,063$3,587$3,162$2,782$1,918
13 years$4,196$3,672$3,205$2,791$2,426$1,612
14 years$3,857$3,338$2,880$2,478$2,126$1,361
15 years$3,562$3,049$2,600$2,210$1,872$1,153
16 years$3,305$2,798$2,357$1,979$1,655$980
17 years$3,078$2,576$2,145$1,778$1,467$834
18 years$2,877$2,381$1,958$1,602$1,305$712
19 years$2,697$2,206$1,793$1,448$1,163$609
20 years$2,535$2,050$1,645$1,311$1,039$522
21 years$2,389$1,910$1,513$1,190$929$448
22 years$2,257$1,783$1,395$1,082$833$384
23 years$2,136$1,667$1,288$985$748$330
24 years$2,025$1,562$1,191$899$672$284
25 years$1,923$1,466$1,103$821$605$244
26 years$1,830$1,378$1,023$750$545$211
27 years$1,743$1,297$950$687$491$181
28 years$1,663$1,222$883$629$443$156
29 years$1,588$1,153$822$577$400$135
30 years$1,519$1,089$766$530$362$116
31 years$1,454$1,029$714$486$327$100
32 years$1,393$974$666$447$296$87
33 years$1,336$922$622$411$268$75
34 years$1,283$874$581$378$242$65
35 years$1,232$829$543$348$219$56
36 years$1,185$787$508$321$199$48
37 years$1,140$747$476$295$180$42
38 years$1,098$710$445$272$163$36
39 years$1,058$675$417$251$148$31
40 years$1,020$643$391$232$134$27
41 years$984$612$367$214$122$23
42 years$950$582$344$197$111$20
43 years$917$555$323$182$100$17
44 years$886$529$303$168$91$15
45 years$857$504$284$155$83$13
46 years$829$481$267$143$75$11
47 years$802$459$251$132$68$10
48 years$776$438$236$122$62$8
49 years$752$419$222$113$56$7
50 years$728$400$208$105$51$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $746,000, adding $4,938 every year, while hoping to spend $57,452 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: 37/45/18 Blend
51$746,000$746,000$746,000$746,000
52$827,186$787,648$776,085$853,125
53$850,430$765,114$740,955$849,790
54$874,120$739,550$702,723$840,396
55$898,240$710,748$661,224$829,045
56$922,771$678,486$616,286$815,593
57$947,692$642,529$567,729$799,887
58$972,974$602,631$515,366$781,764
59$998,587$558,529$459,000$761,052
60$1,024,492$509,947$398,426$737,565
61$1,050,648$456,592$333,431$711,110
62$1,077,004$398,155$263,791$681,478
63$1,103,503$334,308$189,272$648,449
64$1,130,078$264,708$109,631$611,787
65$1,156,656$188,989$24,614$571,244
66$1,183,152$106,765$0$526,552
67$1,209,468$17,632$0$490,128
68$1,235,495$0$0$454,842
69$1,261,112$0$0$454,740
70$1,286,178$0$0$463,088
71$1,310,539$0$0$471,089
72$1,334,020$0$0$478,670
73$1,356,425$0$0$485,749
74$1,377,534$0$0$492,236
75$1,397,104$0$0$498,028
76$1,414,860$0$0$503,011
77$1,430,497$0$0$507,060
78$1,443,676$0$0$510,033
79$1,454,018$0$0$511,774
80$1,461,103$0$0$512,108
81$1,464,461$0$0$510,843
82$1,463,574$0$0$507,763
83$1,457,862$0$0$502,631
84$1,446,685$0$0$495,182
85$1,429,333$0$0$485,124
86$1,405,015$0$0$472,132
87$1,372,859$0$0$455,847
88$1,331,896$0$0$435,871
89$1,281,053$0$0$411,764
90$1,219,143$0$0$383,037
91$1,144,852$0$0$349,153
92$1,056,726$0$0$309,515
93$953,157$0$0$263,463
94$832,366$0$0$210,268
95$692,387$0$0$149,126
96$531,046$0$0$79,146
97$345,942$0$0$0
98$134,420$0$0$0
99$0$0$0$0
100$0$0$0$0