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%16.1%
1 years$61,852$61,301$60,763$60,239$59,726$58,235
2 years$30,620$30,049$29,497$28,961$28,441$26,948
3 years$20,210$19,638$19,086$18,556$18,044$16,596
4 years$15,007$14,436$13,890$13,368$12,869$11,477
5 years$11,885$11,318$10,779$10,268$9,783$8,451
6 years$9,805$9,242$8,711$8,211$7,741$6,470
7 years$8,320$7,761$7,239$6,751$6,295$5,086
8 years$7,206$6,653$6,139$5,663$5,223$4,075
9 years$6,341$5,792$5,288$4,824$4,398$3,310
10 years$5,649$5,106$4,610$4,158$3,748$2,718
11 years$5,083$4,545$4,059$3,619$3,223$2,251
12 years$4,612$4,080$3,602$3,174$2,793$1,876
13 years$4,213$3,687$3,218$2,802$2,436$1,572
14 years$3,872$3,351$2,891$2,488$2,135$1,323
15 years$3,577$3,061$2,611$2,219$1,880$1,118
16 years$3,318$2,809$2,367$1,986$1,661$947
17 years$3,091$2,587$2,154$1,785$1,473$805
18 years$2,889$2,390$1,966$1,608$1,310$685
19 years$2,708$2,215$1,800$1,453$1,167$584
20 years$2,546$2,059$1,652$1,316$1,043$499
21 years$2,399$1,917$1,519$1,195$933$426
22 years$2,266$1,790$1,400$1,086$836$365
23 years$2,144$1,674$1,293$989$751$313
24 years$2,033$1,568$1,196$902$675$268
25 years$1,931$1,472$1,108$824$607$230
26 years$1,837$1,383$1,027$753$547$197
27 years$1,750$1,302$954$690$493$170
28 years$1,669$1,227$887$632$445$146
29 years$1,594$1,157$825$579$402$125
30 years$1,525$1,093$769$532$363$108
31 years$1,459$1,033$717$488$328$93
32 years$1,399$978$669$449$297$80
33 years$1,341$926$624$413$269$69
34 years$1,288$878$583$380$243$59
35 years$1,237$832$545$350$220$51
36 years$1,190$790$510$322$200$44
37 years$1,145$750$477$297$181$38
38 years$1,102$713$447$273$164$32
39 years$1,062$678$419$252$149$28
40 years$1,024$645$393$233$135$24
41 years$988$614$368$215$122$21
42 years$954$585$345$198$111$18
43 years$921$557$324$183$101$15
44 years$890$531$304$169$92$13
45 years$860$506$286$156$83$11
46 years$832$483$268$144$75$10
47 years$805$461$252$133$68$8
48 years$779$440$237$123$62$7
49 years$755$420$223$114$56$6
50 years$731$402$209$105$51$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $749,000, adding $3,495 every year, while hoping to spend $33,551 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: 57/31/12 Blend
51$749,000$749,000$749,000$749,000
52$829,003$789,306$777,697$873,576
53$877,863$792,284$768,051$907,079
54$930,583$794,284$756,959$939,556
55$987,520$795,221$744,334$974,149
56$1,049,068$795,008$730,091$1,011,067
57$1,115,660$793,550$714,136$1,050,539
58$1,187,772$790,748$696,373$1,092,819
59$1,265,925$786,496$676,703$1,138,190
60$1,350,696$780,681$655,019$1,186,962
61$1,442,716$773,183$631,211$1,239,481
62$1,542,681$763,877$605,165$1,296,128
63$1,651,357$752,629$576,760$1,357,326
64$1,769,583$739,296$545,869$1,423,540
65$1,898,287$723,728$512,362$1,495,289
66$2,038,488$705,766$476,102$1,573,142
67$2,191,306$685,241$436,943$1,657,732
68$2,357,975$661,974$394,737$1,749,758
69$2,539,854$635,776$349,326$1,849,991
70$2,738,438$606,448$300,548$1,959,285
71$2,955,372$573,777$248,230$2,078,585
72$3,192,469$537,541$192,194$2,208,934
73$3,451,722$497,502$132,253$2,351,484
74$3,735,328$453,410$68,214$2,507,509
75$4,045,705$405,000$0$2,678,418
76$4,385,516$351,994$0$2,865,783
77$4,757,692$294,096$0$3,080,627
78$5,165,464$230,994$0$3,316,134
79$5,612,386$162,358$0$3,574,430
80$6,102,377$87,840$0$3,857,863
81$6,639,748$7,073$0$4,169,021
82$7,229,251$0$0$4,510,764
83$7,876,120$0$0$4,913,647
84$8,586,118$0$0$5,358,565
85$9,365,594$0$0$5,847,092
86$10,221,544$0$0$6,383,620
87$11,161,671$0$0$6,972,988
88$12,194,464$0$0$7,620,525
89$13,329,271$0$0$8,332,105
90$14,576,395$0$0$9,114,197
91$15,947,183$0$0$9,973,926
92$17,454,137$0$0$10,919,145
93$19,111,031$0$0$11,958,505
94$20,933,040$0$0$13,101,536
95$22,936,884$0$0$14,358,739
96$25,140,983$0$0$15,741,684
97$27,565,633$0$0$17,263,117
98$30,233,196$0$0$18,937,083
99$33,168,310$0$0$20,779,057
100$36,398,123$0$0$22,806,090