Can I retire at age 52 with 752,000?

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 $752,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$62,099$61,546$61,007$60,480$59,966$59,389
2 years$30,742$30,170$29,615$29,077$28,555$27,974
3 years$20,291$19,716$19,163$18,630$18,116$17,549
4 years$15,067$14,494$13,946$13,422$12,921$12,372
5 years$11,933$11,363$10,822$10,309$9,822$9,293
6 years$9,844$9,279$8,746$8,244$7,772$7,263
7 years$8,353$7,792$7,268$6,778$6,321$5,832
8 years$7,235$6,679$6,164$5,686$5,244$4,776
9 years$6,366$5,816$5,309$4,843$4,416$3,969
10 years$5,671$5,126$4,628$4,175$3,763$3,335
11 years$5,103$4,564$4,075$3,633$3,236$2,829
12 years$4,630$4,096$3,616$3,187$2,804$2,416
13 years$4,230$3,702$3,231$2,814$2,445$2,076
14 years$3,888$3,365$2,903$2,498$2,144$1,793
15 years$3,591$3,074$2,621$2,227$1,887$1,555
16 years$3,332$2,820$2,376$1,994$1,668$1,353
17 years$3,103$2,597$2,162$1,792$1,479$1,181
18 years$2,900$2,400$1,974$1,615$1,315$1,033
19 years$2,719$2,224$1,807$1,459$1,172$906
20 years$2,556$2,067$1,658$1,322$1,047$796
21 years$2,409$1,925$1,525$1,199$937$700
22 years$2,275$1,797$1,406$1,091$840$617
23 years$2,153$1,681$1,298$993$754$545
24 years$2,041$1,575$1,201$906$678$481
25 years$1,939$1,478$1,112$827$610$425
26 years$1,844$1,389$1,031$756$549$376
27 years$1,757$1,307$958$692$495$333
28 years$1,676$1,232$890$634$447$295
29 years$1,601$1,162$828$582$403$262
30 years$1,531$1,097$772$534$365$232
31 years$1,465$1,037$719$490$330$206
32 years$1,404$982$671$451$298$183
33 years$1,347$930$627$414$270$162
34 years$1,293$881$586$381$244$144
35 years$1,242$836$547$351$221$128
36 years$1,194$793$512$323$200$114
37 years$1,149$753$479$298$182$101
38 years$1,107$716$449$275$165$90
39 years$1,066$681$421$253$149$80
40 years$1,028$648$394$233$135$71
41 years$992$617$370$215$123$63
42 years$957$587$347$199$112$56
43 years$925$559$325$184$101$50
44 years$893$533$305$169$92$45
45 years$864$509$287$156$83$40
46 years$835$485$269$145$76$35
47 years$808$463$253$134$69$31
48 years$783$442$238$123$62$28
49 years$758$422$224$114$57$25
50 years$734$403$210$105$52$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $752,000, adding $3,430 every year, while hoping to spend $55,714 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: 76/16/8 Blend
51$752,000$752,000$752,000$752,000
52$832,242$792,386$780,730$894,253
53$857,851$771,934$747,605$915,060
54$884,206$748,612$711,503$930,397
55$911,322$722,221$672,266$945,604
56$939,217$692,551$629,728$960,645
57$967,909$659,377$583,715$975,483
58$997,413$622,463$534,046$990,077
59$1,027,746$581,561$480,534$1,004,383
60$1,058,923$536,405$422,979$1,018,356
61$1,090,961$486,716$361,176$1,031,943
62$1,123,873$432,200$294,910$1,045,089
63$1,157,674$372,543$223,955$1,057,736
64$1,192,376$307,417$148,077$1,069,820
65$1,227,992$236,474$67,031$1,081,271
66$1,264,530$159,345$0$1,092,017
67$1,302,002$75,642$0$1,103,639
68$1,340,413$0$0$1,120,603
69$1,379,768$0$0$1,139,763
70$1,420,071$0$0$1,173,019
71$1,461,320$0$0$1,207,053
72$1,503,514$0$0$1,241,861
73$1,546,646$0$0$1,277,437
74$1,590,705$0$0$1,313,773
75$1,635,676$0$0$1,350,856
76$1,681,540$0$0$1,388,668
77$1,728,272$0$0$1,427,187
78$1,775,839$0$0$1,466,387
79$1,824,204$0$0$1,506,235
80$1,873,320$0$0$1,546,691
81$1,923,131$0$0$1,587,708
82$1,973,573$0$0$1,629,231
83$2,024,571$0$0$1,671,197
84$2,076,035$0$0$1,713,530
85$2,127,865$0$0$1,756,145
86$2,179,944$0$0$1,798,943
87$2,232,138$0$0$1,841,813
88$2,284,297$0$0$1,884,626
89$2,336,246$0$0$1,927,236
90$2,387,792$0$0$1,969,480
91$2,438,712$0$0$2,011,171
92$2,488,759$0$0$2,052,100
93$2,537,651$0$0$2,092,031
94$2,585,073$0$0$2,130,699
95$2,630,673$0$0$2,167,808
96$2,674,055$0$0$2,203,025
97$2,714,776$0$0$2,235,979
98$2,752,342$0$0$2,266,253
99$2,786,200$0$0$2,293,385
100$2,815,735$0$0$2,316,857