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%15.1%
1 years$62,099$61,546$61,007$60,480$59,966$58,707
2 years$30,742$30,170$29,615$29,077$28,555$27,293
3 years$20,291$19,716$19,163$18,630$18,116$16,890
4 years$15,067$14,494$13,946$13,422$12,921$11,740
5 years$11,933$11,363$10,822$10,309$9,822$8,690
6 years$9,844$9,279$8,746$8,244$7,772$6,690
7 years$8,353$7,792$7,268$6,778$6,321$5,288
8 years$7,235$6,679$6,164$5,686$5,244$4,261
9 years$6,366$5,816$5,309$4,843$4,416$3,483
10 years$5,671$5,126$4,628$4,175$3,763$2,877
11 years$5,103$4,564$4,075$3,633$3,236$2,398
12 years$4,630$4,096$3,616$3,187$2,804$2,012
13 years$4,230$3,702$3,231$2,814$2,445$1,697
14 years$3,888$3,365$2,903$2,498$2,144$1,439
15 years$3,591$3,074$2,621$2,227$1,887$1,224
16 years$3,332$2,820$2,376$1,994$1,668$1,044
17 years$3,103$2,597$2,162$1,792$1,479$893
18 years$2,900$2,400$1,974$1,615$1,315$766
19 years$2,719$2,224$1,807$1,459$1,172$658
20 years$2,556$2,067$1,658$1,322$1,047$566
21 years$2,409$1,925$1,525$1,199$937$488
22 years$2,275$1,797$1,406$1,091$840$421
23 years$2,153$1,681$1,298$993$754$363
24 years$2,041$1,575$1,201$906$678$314
25 years$1,939$1,478$1,112$827$610$272
26 years$1,844$1,389$1,031$756$549$235
27 years$1,757$1,307$958$692$495$203
28 years$1,676$1,232$890$634$447$176
29 years$1,601$1,162$828$582$403$153
30 years$1,531$1,097$772$534$365$132
31 years$1,465$1,037$719$490$330$115
32 years$1,404$982$671$451$298$100
33 years$1,347$930$627$414$270$86
34 years$1,293$881$586$381$244$75
35 years$1,242$836$547$351$221$65
36 years$1,194$793$512$323$200$56
37 years$1,149$753$479$298$182$49
38 years$1,107$716$449$275$165$43
39 years$1,066$681$421$253$149$37
40 years$1,028$648$394$233$135$32
41 years$992$617$370$215$123$28
42 years$957$587$347$199$112$24
43 years$925$559$325$184$101$21
44 years$893$533$305$169$92$18
45 years$864$509$287$156$83$16
46 years$835$485$269$145$76$14
47 years$808$463$253$134$69$12
48 years$783$442$238$123$62$10
49 years$758$422$224$114$57$9
50 years$734$403$210$105$52$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $752,000, adding $4,551 every year, while hoping to spend $53,789 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: 30/48/22 Blend
51$752,000$752,000$752,000$752,000
52$833,398$793,542$781,886$852,575
53$861,174$775,195$750,848$849,270
54$889,980$754,146$716,968$840,602
55$919,864$730,205$680,093$830,157
56$950,879$703,174$640,065$817,816
57$983,078$672,839$596,717$803,453
58$1,016,521$638,977$549,876$786,934
59$1,051,270$601,351$499,360$768,121
60$1,087,392$559,709$444,981$746,865
61$1,124,959$513,788$386,540$723,012
62$1,164,046$463,305$323,831$696,399
63$1,204,738$407,966$256,639$666,856
64$1,247,122$347,457$184,736$634,203
65$1,291,293$281,447$107,890$598,252
66$1,337,354$209,587$25,853$558,805
67$1,385,415$131,508$0$515,655
68$1,435,595$46,819$0$483,065
69$1,488,023$0$0$453,745
70$1,542,838$0$0$445,155
71$1,600,190$0$0$462,071
72$1,660,241$0$0$479,814
73$1,723,167$0$0$498,442
74$1,789,159$0$0$518,016
75$1,858,425$0$0$538,600
76$1,931,189$0$0$560,269
77$2,007,697$0$0$583,099
78$2,088,213$0$0$607,177
79$2,173,027$0$0$632,597
80$2,262,455$0$0$659,459
81$2,356,839$0$0$687,874
82$2,456,554$0$0$717,964
83$2,562,009$0$0$749,861
84$2,673,648$0$0$783,709
85$2,791,961$0$0$819,667
86$2,917,477$0$0$857,907
87$3,050,779$0$0$898,618
88$3,192,503$0$0$942,008
89$3,343,346$0$0$988,304
90$3,504,068$0$0$1,037,753
91$3,675,504$0$0$1,090,628
92$3,858,569$0$0$1,147,227
93$4,054,263$0$0$1,207,879
94$4,263,685$0$0$1,272,941
95$4,488,038$0$0$1,342,808
96$4,728,644$0$0$1,417,913
97$4,986,950$0$0$1,498,730
98$5,264,547$0$0$1,585,780
99$5,563,180$0$0$1,679,635
100$5,884,765$0$0$1,780,925