Can I retire at age 52 with 751,000?

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 $751,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$62,017$61,464$60,926$60,399$59,886$58,942
2 years$30,701$30,130$29,575$29,038$28,517$27,569
3 years$20,264$19,690$19,137$18,605$18,092$17,169
4 years$15,047$14,474$13,927$13,404$12,904$12,012
5 years$11,917$11,348$10,808$10,295$9,809$8,952
6 years$9,831$9,266$8,734$8,233$7,762$6,940
7 years$8,342$7,782$7,258$6,769$6,312$5,527
8 years$7,226$6,671$6,156$5,678$5,237$4,487
9 years$6,358$5,808$5,302$4,837$4,410$3,696
10 years$5,664$5,119$4,622$4,169$3,758$3,078
11 years$5,096$4,558$4,069$3,629$3,232$2,586
12 years$4,624$4,091$3,611$3,183$2,800$2,188
13 years$4,224$3,697$3,227$2,810$2,442$1,862
14 years$3,882$3,360$2,899$2,494$2,141$1,592
15 years$3,586$3,070$2,618$2,224$1,885$1,367
16 years$3,327$2,816$2,373$1,992$1,666$1,177
17 years$3,099$2,594$2,159$1,790$1,477$1,016
18 years$2,896$2,397$1,971$1,613$1,313$880
19 years$2,715$2,221$1,805$1,457$1,171$763
20 years$2,552$2,064$1,656$1,320$1,046$663
21 years$2,405$1,923$1,523$1,198$936$577
22 years$2,272$1,795$1,404$1,089$839$503
23 years$2,150$1,679$1,296$992$753$438
24 years$2,039$1,573$1,199$905$677$383
25 years$1,936$1,476$1,110$826$609$334
26 years$1,842$1,387$1,030$755$548$292
27 years$1,755$1,305$956$691$495$256
28 years$1,674$1,230$889$634$446$224
29 years$1,599$1,160$827$581$403$196
30 years$1,529$1,096$771$533$364$172
31 years$1,463$1,036$718$490$329$151
32 years$1,402$980$670$450$298$132
33 years$1,345$928$626$414$269$116
34 years$1,291$880$585$381$244$102
35 years$1,240$835$547$351$221$89
36 years$1,193$792$511$323$200$78
37 years$1,148$752$479$297$181$69
38 years$1,105$715$448$274$165$60
39 years$1,065$680$420$253$149$53
40 years$1,027$647$394$233$135$46
41 years$991$616$369$215$123$41
42 years$956$586$346$199$111$36
43 years$923$559$325$183$101$31
44 years$892$533$305$169$92$28
45 years$863$508$286$156$83$24
46 years$834$484$269$144$76$21
47 years$807$462$253$133$69$19
48 years$782$441$237$123$62$16
49 years$757$421$223$114$57$14
50 years$733$403$210$105$51$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $751,000, adding $4,777 every year, while hoping to spend $45,775 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: 81/9/10 Blend
51$751,000$751,000$751,000$751,000
52$832,529$792,726$781,086$898,254
53$868,743$782,866$758,548$932,166
54$907,117$770,988$733,721$962,870
55$947,822$756,945$706,480$995,206
56$991,046$740,582$676,694$1,029,313
57$1,036,996$721,734$644,226$1,065,346
58$1,085,895$700,225$608,933$1,103,474
59$1,137,991$675,870$570,667$1,143,883
60$1,193,553$648,475$529,271$1,186,781
61$1,252,876$617,830$484,582$1,232,394
62$1,316,283$583,718$436,430$1,280,974
63$1,384,130$545,907$384,636$1,332,796
64$1,456,806$504,150$329,016$1,388,166
65$1,534,736$458,189$269,374$1,447,420
66$1,618,389$407,751$205,508$1,510,929
67$1,708,279$352,545$137,207$1,579,103
68$1,804,969$292,265$64,249$1,652,394
69$1,909,079$226,589$0$1,731,300
70$2,021,288$155,175$0$1,817,822
71$2,142,343$77,662$0$1,918,526
72$2,273,065$0$0$2,027,247
73$2,414,354$0$0$2,145,376
74$2,567,202$0$0$2,281,505
75$2,732,699$0$0$2,428,914
76$2,912,040$0$0$2,588,672
77$3,106,543$0$0$2,761,954
78$3,317,657$0$0$2,950,051
79$3,546,972$0$0$3,154,385
80$3,796,242$0$0$3,376,519
81$4,067,392$0$0$3,618,172
82$4,362,544$0$0$3,881,238
83$4,684,030$0$0$4,167,798
84$5,034,418$0$0$4,480,144
85$5,416,532$0$0$4,820,796
86$5,833,484$0$0$5,192,530
87$6,288,695$0$0$5,598,402
88$6,785,933$0$0$6,041,775
89$7,329,348$0$0$6,526,350
90$7,923,505$0$0$7,056,203
91$8,573,433$0$0$7,635,822
92$9,284,668$0$0$8,270,150
93$10,063,306$0$0$8,964,626
94$10,916,061$0$0$9,725,242
95$11,850,325$0$0$10,558,598
96$12,874,241$0$0$11,471,959
97$13,996,774$0$0$12,473,329
98$15,227,800$0$0$13,571,523
99$16,578,197$0$0$14,776,249
100$18,059,944$0$0$16,098,200