Can I retire at age 52 with 746,000?

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 $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%14.5%
1 years$61,604$61,055$60,520$59,997$59,487$58,382
2 years$30,497$29,929$29,379$28,845$28,327$27,218
3 years$20,129$19,559$19,010$18,481$17,972$16,893
4 years$14,947$14,378$13,834$13,315$12,818$11,777
5 years$11,838$11,272$10,736$10,227$9,744$8,745
6 years$9,766$9,205$8,676$8,179$7,710$6,754
7 years$8,286$7,730$7,210$6,724$6,270$5,357
8 years$7,177$6,626$6,115$5,641$5,202$4,332
9 years$6,315$5,769$5,267$4,805$4,381$3,553
10 years$5,626$5,085$4,592$4,142$3,733$2,946
11 years$5,062$4,527$4,042$3,604$3,210$2,465
12 years$4,593$4,063$3,587$3,162$2,782$2,076
13 years$4,196$3,672$3,205$2,791$2,426$1,758
14 years$3,857$3,338$2,880$2,478$2,126$1,496
15 years$3,562$3,049$2,600$2,210$1,872$1,278
16 years$3,305$2,798$2,357$1,979$1,655$1,095
17 years$3,078$2,576$2,145$1,778$1,467$941
18 years$2,877$2,381$1,958$1,602$1,305$811
19 years$2,697$2,206$1,793$1,448$1,163$700
20 years$2,535$2,050$1,645$1,311$1,039$605
21 years$2,389$1,910$1,513$1,190$929$523
22 years$2,257$1,783$1,395$1,082$833$454
23 years$2,136$1,667$1,288$985$748$393
24 years$2,025$1,562$1,191$899$672$342
25 years$1,923$1,466$1,103$821$605$297
26 years$1,830$1,378$1,023$750$545$258
27 years$1,743$1,297$950$687$491$225
28 years$1,663$1,222$883$629$443$195
29 years$1,588$1,153$822$577$400$170
30 years$1,519$1,089$766$530$362$148
31 years$1,454$1,029$714$486$327$129
32 years$1,393$974$666$447$296$113
33 years$1,336$922$622$411$268$98
34 years$1,283$874$581$378$242$86
35 years$1,232$829$543$348$219$75
36 years$1,185$787$508$321$199$65
37 years$1,140$747$476$295$180$57
38 years$1,098$710$445$272$163$50
39 years$1,058$675$417$251$148$43
40 years$1,020$643$391$232$134$38
41 years$984$612$367$214$122$33
42 years$950$582$344$197$111$29
43 years$917$555$323$182$100$25
44 years$886$529$303$168$91$22
45 years$857$504$284$155$83$19
46 years$829$481$267$143$75$17
47 years$802$459$251$132$68$15
48 years$776$438$236$122$62$13
49 years$752$419$222$113$56$11
50 years$728$400$208$105$51$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $746,000, adding $6,024 every year, while hoping to spend $53,476 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: 79/16/5 Blend
51$746,000$746,000$746,000$746,000
52$828,306$788,768$777,205$893,095
53$855,895$770,519$746,343$918,142
54$884,506$749,584$712,655$937,958
55$914,186$725,775$675,990$958,072
56$944,987$698,892$636,190$978,490
57$976,963$668,724$593,089$999,214
58$1,010,171$635,050$546,515$1,020,249
59$1,044,673$597,632$496,288$1,041,599
60$1,080,536$556,222$442,220$1,063,270
61$1,117,830$510,556$384,114$1,085,271
62$1,156,631$460,356$321,764$1,107,610
63$1,197,020$405,326$254,956$1,130,297
64$1,239,085$345,156$183,466$1,153,345
65$1,282,920$279,517$107,060$1,176,768
66$1,328,625$208,060$25,494$1,200,584
67$1,376,310$130,421$0$1,224,814
68$1,426,092$46,210$0$1,252,764
69$1,478,098$0$0$1,282,843
70$1,532,464$0$0$1,321,657
71$1,589,340$0$0$1,370,778
72$1,648,884$0$0$1,422,211
73$1,711,271$0$0$1,476,106
74$1,776,689$0$0$1,532,626
75$1,845,342$0$0$1,591,949
76$1,917,451$0$0$1,654,267
77$1,993,258$0$0$1,719,790
78$2,073,025$0$0$1,788,745
79$2,157,036$0$0$1,861,379
80$2,245,602$0$0$1,937,963
81$2,339,061$0$0$2,018,791
82$2,437,781$0$0$2,104,182
83$2,542,165$0$0$2,194,487
84$2,652,652$0$0$2,290,086
85$2,769,721$0$0$2,391,398
86$2,893,896$0$0$2,498,876
87$3,025,749$0$0$2,613,019
88$3,165,906$0$0$2,734,371
89$3,315,052$0$0$2,863,528
90$3,473,938$0$0$3,001,142
91$3,643,383$0$0$3,147,927
92$3,824,287$0$0$3,304,665
93$4,017,636$0$0$3,472,213
94$4,224,510$0$0$3,651,512
95$4,446,093$0$0$3,843,590
96$4,683,684$0$0$4,049,578
97$4,938,707$0$0$4,270,717
98$5,212,728$0$0$4,508,366
99$5,507,463$0$0$4,764,019
100$5,824,796$0$0$5,039,317