Can I retire at age 52 with 752,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.1%
1 years$62,099$61,546$61,007$60,480$59,966$59,438
2 years$30,742$30,170$29,615$29,077$28,555$28,024
3 years$20,291$19,716$19,163$18,630$18,116$17,598
4 years$15,067$14,494$13,946$13,422$12,921$12,418
5 years$11,933$11,363$10,822$10,309$9,822$9,338
6 years$9,844$9,279$8,746$8,244$7,772$7,306
7 years$8,353$7,792$7,268$6,778$6,321$5,873
8 years$7,235$6,679$6,164$5,686$5,244$4,815
9 years$6,366$5,816$5,309$4,843$4,416$4,006
10 years$5,671$5,126$4,628$4,175$3,763$3,371
11 years$5,103$4,564$4,075$3,633$3,236$2,862
12 years$4,630$4,096$3,616$3,187$2,804$2,448
13 years$4,230$3,702$3,231$2,814$2,445$2,106
14 years$3,888$3,365$2,903$2,498$2,144$1,821
15 years$3,591$3,074$2,621$2,227$1,887$1,582
16 years$3,332$2,820$2,376$1,994$1,668$1,378
17 years$3,103$2,597$2,162$1,792$1,479$1,204
18 years$2,900$2,400$1,974$1,615$1,315$1,055
19 years$2,719$2,224$1,807$1,459$1,172$927
20 years$2,556$2,067$1,658$1,322$1,047$815
21 years$2,409$1,925$1,525$1,199$937$719
22 years$2,275$1,797$1,406$1,091$840$634
23 years$2,153$1,681$1,298$993$754$560
24 years$2,041$1,575$1,201$906$678$496
25 years$1,939$1,478$1,112$827$610$439
26 years$1,844$1,389$1,031$756$549$389
27 years$1,757$1,307$958$692$495$345
28 years$1,676$1,232$890$634$447$306
29 years$1,601$1,162$828$582$403$272
30 years$1,531$1,097$772$534$365$242
31 years$1,465$1,037$719$490$330$215
32 years$1,404$982$671$451$298$191
33 years$1,347$930$627$414$270$170
34 years$1,293$881$586$381$244$151
35 years$1,242$836$547$351$221$134
36 years$1,194$793$512$323$200$120
37 years$1,149$753$479$298$182$107
38 years$1,107$716$449$275$165$95
39 years$1,066$681$421$253$149$85
40 years$1,028$648$394$233$135$75
41 years$992$617$370$215$123$67
42 years$957$587$347$199$112$60
43 years$925$559$325$184$101$53
44 years$893$533$305$169$92$48
45 years$864$509$287$156$83$42
46 years$835$485$269$145$76$38
47 years$808$463$253$134$69$34
48 years$783$442$238$123$62$30
49 years$758$422$224$114$57$27
50 years$734$403$210$105$52$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $752,000, adding $5,377 every year, while hoping to spend $43,369 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: 64/25/11 Blend
51$752,000$752,000$752,000$752,000
52$834,250$794,394$782,738$885,245
53$873,200$787,175$762,816$912,755
54$914,668$778,149$740,772$937,247
55$958,867$767,181$716,491$962,905
56$1,006,028$754,130$689,850$989,840
57$1,056,404$738,843$660,721$1,018,179
58$1,110,272$721,162$628,970$1,048,058
59$1,167,938$700,917$594,459$1,079,634
60$1,229,735$677,929$557,041$1,113,078
61$1,296,030$652,009$516,563$1,148,581
62$1,367,223$622,956$472,866$1,186,357
63$1,443,757$590,557$425,784$1,226,642
64$1,526,115$554,589$375,143$1,269,699
65$1,614,829$514,815$320,760$1,315,819
66$1,710,483$470,982$262,447$1,365,329
67$1,813,718$422,826$200,005$1,418,588
68$1,925,239$370,067$133,227$1,475,996
69$2,045,821$312,408$61,898$1,537,998
70$2,176,315$249,536$0$1,605,086
71$2,317,657$181,120$0$1,679,477
72$2,470,875$106,813$0$1,767,969
73$2,637,101$26,243$0$1,863,991
74$2,817,580$0$0$1,968,318
75$3,013,679$0$0$2,098,582
76$3,226,905$0$0$2,248,118
77$3,458,914$0$0$2,410,875
78$3,711,527$0$0$2,588,136
79$3,986,751$0$0$2,781,316
80$4,286,792$0$0$2,991,970
81$4,614,080$0$0$3,221,809
82$4,971,287$0$0$3,472,719
83$5,361,355$0$0$3,746,774
84$5,787,526$0$0$4,046,257
85$6,253,364$0$0$4,373,683
86$6,762,796$0$0$4,731,819
87$7,320,145$0$0$5,123,714
88$7,930,171$0$0$5,552,724
89$8,598,116$0$0$6,022,544
90$9,329,752$0$0$6,537,244
91$10,131,436$0$0$7,101,306
92$11,010,169$0$0$7,719,666
93$11,973,660$0$0$8,397,761
94$13,030,401$0$0$9,141,578
95$14,189,745$0$0$9,957,713
96$15,461,996$0$0$10,853,430
97$16,858,500$0$0$11,836,731
98$18,391,758$0$0$12,916,430
99$20,075,540$0$0$14,102,238
100$21,925,014$0$0$15,404,851