Can I retire at age 52 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$61,934$61,383$60,844$60,319$59,806$57,411
2 years$30,661$30,090$29,536$29,000$28,479$26,096
3 years$20,237$19,664$19,112$18,580$18,068$15,772
4 years$15,027$14,455$13,909$13,386$12,886$10,695
5 years$11,901$11,333$10,794$10,282$9,796$7,715
6 years$9,818$9,254$8,723$8,222$7,751$5,782
7 years$8,331$7,772$7,249$6,760$6,304$4,445
8 years$7,216$6,662$6,147$5,671$5,230$3,480
9 years$6,349$5,800$5,295$4,830$4,404$2,760
10 years$5,656$5,113$4,616$4,164$3,753$2,212
11 years$5,090$4,551$4,064$3,624$3,227$1,786
12 years$4,618$4,085$3,607$3,179$2,797$1,450
13 years$4,219$3,692$3,222$2,806$2,439$1,184
14 years$3,877$3,356$2,895$2,491$2,138$970
15 years$3,581$3,066$2,614$2,222$1,882$797
16 years$3,323$2,813$2,370$1,989$1,664$657
17 years$3,095$2,590$2,157$1,787$1,475$542
18 years$2,892$2,394$1,969$1,611$1,312$448
19 years$2,712$2,218$1,802$1,455$1,169$371
20 years$2,549$2,061$1,654$1,318$1,044$308
21 years$2,402$1,920$1,521$1,196$934$255
22 years$2,269$1,792$1,402$1,088$838$212
23 years$2,147$1,676$1,295$991$752$176
24 years$2,036$1,571$1,197$903$676$146
25 years$1,934$1,474$1,109$825$608$122
26 years$1,839$1,385$1,029$754$548$101
27 years$1,752$1,304$955$691$494$84
28 years$1,672$1,228$888$633$446$70
29 years$1,597$1,159$826$580$402$58
30 years$1,527$1,094$770$532$364$49
31 years$1,461$1,035$717$489$329$40
32 years$1,400$979$669$449$297$34
33 years$1,343$927$625$413$269$28
34 years$1,289$879$584$380$244$23
35 years$1,239$833$546$350$221$19
36 years$1,191$791$511$322$200$16
37 years$1,146$751$478$297$181$14
38 years$1,104$714$448$274$164$11
39 years$1,063$679$419$252$149$9
40 years$1,025$646$393$233$135$8
41 years$989$615$369$215$123$7
42 years$955$586$346$198$111$5
43 years$922$558$324$183$101$5
44 years$891$532$305$169$92$4
45 years$861$507$286$156$83$3
46 years$833$484$269$144$76$3
47 years$806$462$252$133$69$2
48 years$780$441$237$123$62$2
49 years$756$421$223$114$57$2
50 years$732$402$210$105$51$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $750,000, adding $3,700 every year, while hoping to spend $25,114 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: 42/40/18 Blend
51$750,000$750,000$750,000$750,000
52$830,317$790,567$778,942$860,671
53$888,288$802,583$778,315$894,519
54$951,330$814,347$776,826$928,414
55$1,019,935$825,819$774,418$964,592
56$1,094,642$836,957$771,035$1,003,275
57$1,176,045$847,718$766,614$1,044,707
58$1,264,798$858,053$761,092$1,089,161
59$1,361,621$867,911$754,403$1,136,934
60$1,467,306$877,239$746,475$1,188,357
61$1,582,726$885,978$737,236$1,243,798
62$1,708,839$894,066$726,609$1,303,659
63$1,846,703$901,438$714,513$1,368,387
64$1,997,482$908,023$700,864$1,438,476
65$2,162,456$913,747$685,574$1,514,471
66$2,343,037$918,531$668,550$1,596,975
67$2,540,776$922,289$649,697$1,686,653
68$2,757,386$924,931$628,912$1,784,240
69$2,994,750$926,363$606,091$1,890,548
70$3,254,942$926,483$581,123$2,006,476
71$3,540,248$925,182$553,893$2,133,013
72$3,853,184$922,347$524,279$2,271,254
73$4,196,522$917,856$492,155$2,422,408
74$4,573,316$911,579$457,391$2,587,810
75$4,986,928$903,380$419,847$2,768,932
76$5,441,063$893,114$379,381$2,967,402
77$5,939,803$880,628$335,841$3,185,017
78$6,487,641$865,757$289,071$3,423,760
79$7,089,532$848,331$238,906$3,685,820
80$7,750,931$828,165$185,175$3,973,614
81$8,477,847$805,067$127,700$4,289,809
82$9,276,903$778,831$66,294$4,637,349
83$10,155,394$749,240$761$5,019,484
84$11,121,356$716,065$0$5,439,800
85$12,183,645$679,063$0$5,915,538
86$13,352,017$637,977$0$6,438,801
87$14,637,221$592,536$0$7,014,302
88$16,051,099$542,452$0$7,647,402
89$17,606,700$487,421$0$8,344,013
90$19,318,402$427,124$0$9,110,654
91$21,202,046$361,220$0$9,954,515
92$23,275,087$289,351$0$10,883,523
93$25,556,756$211,139$0$11,906,422
94$28,068,245$126,185$0$13,032,850
95$30,832,904$34,066$0$14,273,439
96$33,876,462$0$0$15,639,909
97$37,227,268$0$0$17,174,086
98$40,916,562$0$0$18,879,869
99$44,978,766$0$0$20,758,194
100$49,451,809$0$0$22,826,614