Can I retire at age 52 with 749,000?

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 $749,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$61,852$61,301$60,763$60,239$59,726$58,117
2 years$30,620$30,049$29,497$28,961$28,441$26,832
3 years$20,210$19,638$19,086$18,556$18,044$16,485
4 years$15,007$14,436$13,890$13,368$12,869$11,372
5 years$11,885$11,318$10,779$10,268$9,783$8,351
6 years$9,805$9,242$8,711$8,211$7,741$6,376
7 years$8,320$7,761$7,239$6,751$6,295$4,998
8 years$7,206$6,653$6,139$5,663$5,223$3,992
9 years$6,341$5,792$5,288$4,824$4,398$3,233
10 years$5,649$5,106$4,610$4,158$3,748$2,647
11 years$5,083$4,545$4,059$3,619$3,223$2,185
12 years$4,612$4,080$3,602$3,174$2,793$1,815
13 years$4,213$3,687$3,218$2,802$2,436$1,516
14 years$3,872$3,351$2,891$2,488$2,135$1,272
15 years$3,577$3,061$2,611$2,219$1,880$1,071
16 years$3,318$2,809$2,367$1,986$1,661$904
17 years$3,091$2,587$2,154$1,785$1,473$765
18 years$2,889$2,390$1,966$1,608$1,310$649
19 years$2,708$2,215$1,800$1,453$1,167$551
20 years$2,546$2,059$1,652$1,316$1,043$469
21 years$2,399$1,917$1,519$1,195$933$399
22 years$2,266$1,790$1,400$1,086$836$340
23 years$2,144$1,674$1,293$989$751$291
24 years$2,033$1,568$1,196$902$675$248
25 years$1,931$1,472$1,108$824$607$212
26 years$1,837$1,383$1,027$753$547$181
27 years$1,750$1,302$954$690$493$155
28 years$1,669$1,227$887$632$445$133
29 years$1,594$1,157$825$579$402$114
30 years$1,525$1,093$769$532$363$97
31 years$1,459$1,033$717$488$328$83
32 years$1,399$978$669$449$297$71
33 years$1,341$926$624$413$269$61
34 years$1,288$878$583$380$243$52
35 years$1,237$832$545$350$220$45
36 years$1,190$790$510$322$200$38
37 years$1,145$750$477$297$181$33
38 years$1,102$713$447$273$164$28
39 years$1,062$678$419$252$149$24
40 years$1,024$645$393$233$135$21
41 years$988$614$368$215$122$18
42 years$954$585$345$198$111$15
43 years$921$557$324$183$101$13
44 years$890$531$304$169$92$11
45 years$860$506$286$156$83$10
46 years$832$483$268$144$75$8
47 years$805$461$252$133$68$7
48 years$779$440$237$123$62$6
49 years$755$420$223$114$56$5
50 years$731$402$209$105$51$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $749,000, adding $3,045 every year, while hoping to spend $38,274 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: 60/19/21 Blend
51$749,000$749,000$749,000$749,000
52$828,539$788,842$777,232$873,497
53$872,327$786,772$762,546$902,251
54$919,298$783,318$746,086$929,147
55$969,737$778,371$727,750$957,635
56$1,023,956$771,817$707,436$987,875
57$1,082,298$763,534$685,033$1,020,046
58$1,145,138$753,393$660,428$1,054,348
59$1,212,890$741,257$633,500$1,090,998
60$1,286,008$726,982$604,125$1,130,243
61$1,364,989$710,413$572,172$1,172,352
62$1,450,383$691,388$537,505$1,217,626
63$1,542,791$669,735$499,980$1,266,398
64$1,642,876$645,272$459,449$1,319,037
65$1,751,365$617,806$415,756$1,375,953
66$1,869,058$587,133$368,739$1,437,598
67$1,996,837$553,037$318,226$1,504,475
68$2,135,669$515,290$264,041$1,577,141
69$2,286,619$473,651$205,998$1,656,211
70$2,450,858$427,865$143,904$1,742,368
71$2,629,677$377,661$77,556$1,836,365
72$2,824,494$322,756$6,744$1,939,040
73$3,036,869$262,849$0$2,051,317
74$3,268,522$197,620$0$2,189,639
75$3,521,343$126,735$0$2,342,333
76$3,797,413$49,839$0$2,509,190
77$4,099,025$0$0$2,691,652
78$4,428,701$0$0$2,898,299
79$4,789,219$0$0$3,135,729
80$5,183,636$0$0$3,395,545
81$5,615,320$0$0$3,679,970
82$6,087,979$0$0$3,991,457
83$6,605,696$0$0$4,332,703
84$7,172,967$0$0$4,706,681
85$7,794,745$0$0$5,116,664
86$8,476,484$0$0$5,566,257
87$9,224,190$0$0$6,059,431
88$10,044,481$0$0$6,600,559
89$10,944,642$0$0$7,194,459
90$11,932,702$0$0$7,846,437
91$13,017,504$0$0$8,562,338
92$14,208,786$0$0$9,348,602
93$15,517,279$0$0$10,212,321
94$16,954,803$0$0$11,161,309
95$18,534,380$0$0$12,204,175
96$20,270,355$0$0$13,350,403
97$22,178,531$0$0$14,610,440
98$24,276,320$0$0$15,995,797
99$26,582,904$0$0$17,519,155
100$29,119,417$0$0$19,194,488