Can I retire at age 52 with 753,000?

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 $753,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$62,182$61,628$61,088$60,560$60,045$58,357
2 years$30,783$30,210$29,654$29,116$28,593$26,905
3 years$20,318$19,742$19,188$18,655$18,141$16,506
4 years$15,087$14,513$13,964$13,440$12,938$11,369
5 years$11,949$11,378$10,837$10,323$9,835$8,336
6 years$9,857$9,291$8,758$8,255$7,782$6,354
7 years$8,364$7,803$7,278$6,787$6,329$4,973
8 years$7,245$6,688$6,172$5,694$5,251$3,965
9 years$6,375$5,823$5,316$4,850$4,422$3,205
10 years$5,679$5,133$4,635$4,180$3,768$2,619
11 years$5,110$4,570$4,080$3,638$3,240$2,157
12 years$4,636$4,101$3,621$3,191$2,808$1,789
13 years$4,236$3,707$3,235$2,817$2,449$1,491
14 years$3,893$3,369$2,907$2,501$2,146$1,248
15 years$3,596$3,078$2,624$2,230$1,890$1,049
16 years$3,336$2,824$2,379$1,997$1,670$884
17 years$3,107$2,601$2,165$1,794$1,481$746
18 years$2,904$2,403$1,977$1,617$1,317$631
19 years$2,722$2,227$1,809$1,461$1,174$535
20 years$2,559$2,070$1,661$1,323$1,048$454
21 years$2,412$1,928$1,527$1,201$938$386
22 years$2,278$1,799$1,408$1,092$841$328
23 years$2,156$1,683$1,300$995$755$280
24 years$2,044$1,577$1,202$907$678$238
25 years$1,941$1,480$1,113$828$611$203
26 years$1,847$1,391$1,033$757$550$173
27 years$1,759$1,309$959$693$496$148
28 years$1,678$1,233$891$635$447$126
29 years$1,603$1,164$830$583$404$108
30 years$1,533$1,099$773$535$365$92
31 years$1,467$1,039$720$491$330$79
32 years$1,406$983$672$451$299$67
33 years$1,349$931$628$415$270$57
34 years$1,295$882$586$382$245$49
35 years$1,244$837$548$351$222$42
36 years$1,196$794$513$324$201$36
37 years$1,151$754$480$298$182$31
38 years$1,108$717$449$275$165$26
39 years$1,068$682$421$253$150$22
40 years$1,029$649$395$234$136$19
41 years$993$617$370$216$123$16
42 years$959$588$347$199$112$14
43 years$926$560$326$184$101$12
44 years$895$534$306$170$92$10
45 years$865$509$287$157$84$9
46 years$837$486$270$145$76$7
47 years$809$464$253$134$69$6
48 years$784$443$238$124$63$5
49 years$759$423$224$114$57$5
50 years$735$404$210$106$52$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $753,000, adding $3,426 every year, while hoping to spend $43,542 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: 85/5/10 Blend
51$753,000$753,000$753,000$753,000
52$833,340$793,431$781,759$902,673
53$872,012$785,981$761,620$941,037
54$913,170$776,706$739,347$976,936
55$957,020$765,472$714,822$1,015,026
56$1,003,790$752,134$687,922$1,055,500
57$1,053,730$736,541$658,521$1,098,570
58$1,107,111$718,532$626,481$1,144,469
59$1,164,232$697,937$591,665$1,193,454
60$1,225,423$674,574$553,924$1,245,807
61$1,291,041$648,254$513,106$1,301,841
62$1,361,482$618,773$469,050$1,361,897
63$1,437,179$585,919$421,589$1,426,352
64$1,518,608$549,465$370,549$1,495,623
65$1,606,289$509,172$315,745$1,570,167
66$1,700,796$464,787$256,989$1,650,487
67$1,802,759$416,044$194,080$1,737,140
68$1,912,870$362,659$126,810$1,830,736
69$2,031,888$304,335$54,964$1,931,951
70$2,160,649$240,755$0$2,041,526
71$2,300,071$171,588$0$2,162,598
72$2,451,163$96,481$0$2,300,159
73$2,615,037$15,064$0$2,449,360
74$2,792,912$0$0$2,611,324
75$2,986,131$0$0$2,791,307
76$3,196,171$0$0$2,987,869
77$3,424,657$0$0$3,201,703
78$3,673,377$0$0$3,434,484
79$3,944,297$0$0$3,688,055
80$4,239,583$0$0$3,964,442
81$4,561,616$0$0$4,265,877
82$4,913,019$0$0$4,594,816
83$5,296,678$0$0$4,953,962
84$5,715,770$0$0$5,346,291
85$6,173,792$0$0$5,775,079
86$6,674,595$0$0$6,243,933
87$7,222,420$0$0$6,756,823
88$7,821,933$0$0$7,318,122
89$8,478,276$0$0$7,932,644
90$9,197,109$0$0$8,605,693
91$9,984,665$0$0$9,343,106
92$10,847,809$0$0$10,151,313
93$11,794,103$0$0$11,037,397
94$12,831,873$0$0$12,009,156
95$13,970,290$0$0$13,075,183
96$15,219,458$0$0$14,244,938
97$16,590,503$0$0$15,528,845
98$18,095,682$0$0$16,938,385
99$19,748,498$0$0$18,486,205
100$21,563,823$0$0$20,186,235