Can I retire at age 52 with 748,000?

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 $748,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.2%
1 years$61,769$61,219$60,682$60,158$59,647$58,852
2 years$30,579$30,009$29,457$28,922$28,403$27,604
3 years$20,183$19,611$19,061$18,531$18,020$17,241
4 years$14,987$14,416$13,871$13,350$12,852$12,100
5 years$11,869$11,303$10,765$10,254$9,770$9,046
6 years$9,792$9,229$8,700$8,200$7,731$7,036
7 years$8,309$7,751$7,229$6,742$6,287$5,622
8 years$7,197$6,644$6,131$5,656$5,216$4,580
9 years$6,332$5,785$5,281$4,817$4,392$3,785
10 years$5,641$5,099$4,604$4,153$3,743$3,164
11 years$5,076$4,539$4,053$3,614$3,219$2,668
12 years$4,605$4,074$3,597$3,170$2,789$2,267
13 years$4,208$3,682$3,214$2,799$2,432$1,936
14 years$3,867$3,347$2,888$2,484$2,132$1,662
15 years$3,572$3,057$2,607$2,216$1,877$1,433
16 years$3,314$2,805$2,364$1,984$1,659$1,239
17 years$3,087$2,583$2,151$1,782$1,471$1,075
18 years$2,885$2,387$1,963$1,606$1,308$934
19 years$2,704$2,212$1,797$1,451$1,166$814
20 years$2,542$2,056$1,650$1,315$1,041$710
21 years$2,396$1,915$1,517$1,193$932$621
22 years$2,263$1,788$1,398$1,085$835$543
23 years$2,141$1,672$1,291$988$750$476
24 years$2,030$1,566$1,194$901$674$418
25 years$1,928$1,470$1,106$823$606$367
26 years$1,834$1,382$1,026$752$546$322
27 years$1,748$1,300$953$689$493$283
28 years$1,667$1,225$886$631$444$249
29 years$1,592$1,156$824$579$401$219
30 years$1,523$1,092$768$531$363$193
31 years$1,458$1,032$716$488$328$170
32 years$1,397$976$668$448$297$150
33 years$1,340$925$623$412$268$132
34 years$1,286$876$582$379$243$116
35 years$1,236$831$545$349$220$103
36 years$1,188$789$509$322$199$91
37 years$1,143$749$477$296$181$80
38 years$1,101$712$447$273$164$70
39 years$1,061$677$418$252$149$62
40 years$1,023$644$392$232$135$55
41 years$987$613$368$214$122$48
42 years$952$584$345$198$111$43
43 years$920$556$324$183$101$38
44 years$889$530$304$169$91$33
45 years$859$506$285$156$83$29
46 years$831$483$268$144$75$26
47 years$804$460$252$133$68$23
48 years$778$440$237$123$62$20
49 years$754$420$222$113$56$18
50 years$730$401$209$105$51$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $748,000, adding $4,263 every year, while hoping to spend $35,904 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: 67/13/20 Blend
51$748,000$748,000$748,000$748,000
52$828,693$789,049$777,455$879,802
53$875,018$789,511$765,298$915,024
54$924,865$788,792$751,531$948,982
55$978,555$786,797$736,061$985,255
56$1,036,442$783,423$718,793$1,024,069
57$1,098,911$778,564$699,625$1,065,676
58$1,166,391$772,104$678,453$1,110,353
59$1,239,348$763,922$655,166$1,158,405
60$1,318,297$753,890$629,650$1,210,172
61$1,403,804$741,872$601,784$1,266,029
62$1,496,491$727,722$571,443$1,326,387
63$1,597,041$711,288$538,494$1,391,705
64$1,706,206$692,408$502,800$1,462,487
65$1,824,813$670,910$464,218$1,539,290
66$1,953,772$646,613$422,597$1,622,732
67$2,094,084$619,324$377,782$1,713,492
68$2,246,850$588,841$329,607$1,812,322
69$2,413,283$554,948$277,903$1,920,052
70$2,594,714$517,417$222,489$2,037,599
71$2,792,614$476,009$163,181$2,165,976
72$3,008,596$430,469$99,783$2,306,301
73$3,244,438$380,528$32,092$2,459,807
74$3,502,100$325,902$0$2,627,859
75$3,783,734$266,292$0$2,820,527
76$4,091,715$201,380$0$3,038,771
77$4,428,653$130,831$0$3,277,618
78$4,797,427$54,293$0$3,539,143
79$5,201,202$0$0$3,825,634
80$5,643,468$0$0$4,143,705
81$6,128,064$0$0$4,500,774
82$6,659,222$0$0$4,892,198
83$7,241,599$0$0$5,321,417
84$7,880,328$0$0$5,792,218
85$8,581,060$0$0$6,308,773
86$9,350,020$0$0$6,875,677
87$10,194,065$0$0$7,497,993
88$11,120,749$0$0$8,181,297
89$12,138,391$0$0$8,931,731
90$13,256,158$0$0$9,756,061
91$14,484,146$0$0$10,661,742
92$15,833,479$0$0$11,656,985
93$17,316,409$0$0$12,750,837
94$18,946,438$0$0$13,953,263
95$20,738,439$0$0$15,275,246
96$22,708,796$0$0$16,728,881
97$24,875,563$0$0$18,327,498
98$27,258,631$0$0$20,085,779
99$29,879,913$0$0$22,019,905
100$32,763,554$0$0$24,147,701