Can I retire at age 52 with 749,000?

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 $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%12.7%
1 years$61,852$61,301$60,763$60,239$59,726$59,053
2 years$30,620$30,049$29,497$28,961$28,441$27,764
3 years$20,210$19,638$19,086$18,556$18,044$17,383
4 years$15,007$14,436$13,890$13,368$12,869$12,230
5 years$11,885$11,318$10,779$10,268$9,783$9,167
6 years$9,805$9,242$8,711$8,211$7,741$7,149
7 years$8,320$7,761$7,239$6,751$6,295$5,728
8 years$7,206$6,653$6,139$5,663$5,223$4,680
9 years$6,341$5,792$5,288$4,824$4,398$3,880
10 years$5,649$5,106$4,610$4,158$3,748$3,253
11 years$5,083$4,545$4,059$3,619$3,223$2,752
12 years$4,612$4,080$3,602$3,174$2,793$2,345
13 years$4,213$3,687$3,218$2,802$2,436$2,010
14 years$3,872$3,351$2,891$2,488$2,135$1,731
15 years$3,577$3,061$2,611$2,219$1,880$1,497
16 years$3,318$2,809$2,367$1,986$1,661$1,299
17 years$3,091$2,587$2,154$1,785$1,473$1,131
18 years$2,889$2,390$1,966$1,608$1,310$986
19 years$2,708$2,215$1,800$1,453$1,167$863
20 years$2,546$2,059$1,652$1,316$1,043$756
21 years$2,399$1,917$1,519$1,195$933$663
22 years$2,266$1,790$1,400$1,086$836$582
23 years$2,144$1,674$1,293$989$751$512
24 years$2,033$1,568$1,196$902$675$451
25 years$1,931$1,472$1,108$824$607$398
26 years$1,837$1,383$1,027$753$547$351
27 years$1,750$1,302$954$690$493$310
28 years$1,669$1,227$887$632$445$273
29 years$1,594$1,157$825$579$402$242
30 years$1,525$1,093$769$532$363$214
31 years$1,459$1,033$717$488$328$189
32 years$1,399$978$669$449$297$167
33 years$1,341$926$624$413$269$148
34 years$1,288$878$583$380$243$131
35 years$1,237$832$545$350$220$116
36 years$1,190$790$510$322$200$103
37 years$1,145$750$477$297$181$91
38 years$1,102$713$447$273$164$81
39 years$1,062$678$419$252$149$71
40 years$1,024$645$393$233$135$63
41 years$988$614$368$215$122$56
42 years$954$585$345$198$111$50
43 years$921$557$324$183$101$44
44 years$890$531$304$169$92$39
45 years$860$506$286$156$83$35
46 years$832$483$268$144$75$31
47 years$805$461$252$133$68$27
48 years$779$440$237$123$62$24
49 years$755$420$223$114$56$21
50 years$731$402$209$105$51$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $749,000, adding $4,421 every year, while hoping to spend $57,958 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: 46/40/14 Blend
51$749,000$749,000$749,000$749,000
52$829,958$790,261$778,652$864,654
53$852,947$767,317$743,070$866,248
54$876,338$741,306$704,353$861,728
55$900,112$712,017$662,336$855,553
56$924,243$679,226$616,844$847,591
57$948,704$642,697$567,697$837,704
58$973,461$602,178$514,704$825,741
59$998,475$557,405$457,667$811,544
60$1,023,701$508,099$396,380$794,941
61$1,049,086$453,964$330,626$775,752
62$1,074,570$394,686$260,180$753,782
63$1,100,087$329,935$184,806$728,824
64$1,125,557$259,363$104,259$700,658
65$1,150,892$182,601$18,280$669,046
66$1,175,994$99,259$0$633,736
67$1,200,749$8,926$0$605,434
68$1,225,030$0$0$576,503
69$1,248,695$0$0$583,045
70$1,271,583$0$0$593,074
71$1,293,514$0$0$602,569
72$1,314,288$0$0$611,426
73$1,333,678$0$0$619,529
74$1,351,435$0$0$626,749
75$1,367,277$0$0$632,942
76$1,380,892$0$0$637,949
77$1,391,932$0$0$641,590
78$1,400,008$0$0$643,668
79$1,404,690$0$0$643,962
80$1,405,499$0$0$642,227
81$1,401,903$0$0$638,191
82$1,393,311$0$0$631,553
83$1,379,068$0$0$621,979
84$1,358,446$0$0$609,096
85$1,330,641$0$0$592,496
86$1,294,759$0$0$571,723
87$1,249,811$0$0$546,272
88$1,194,702$0$0$515,587
89$1,128,221$0$0$479,051
90$1,049,026$0$0$435,980
91$955,634$0$0$385,620
92$846,403$0$0$327,136
93$719,520$0$0$259,606
94$572,978$0$0$182,009
95$404,561$0$0$93,219
96$211,819$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0