Can I retire at age 52 with 753,000?

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 $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%15%
1 years$62,182$61,628$61,088$60,560$60,045$58,809
2 years$30,783$30,210$29,654$29,116$28,593$27,353
3 years$20,318$19,742$19,188$18,655$18,141$16,936
4 years$15,087$14,513$13,964$13,440$12,938$11,777
5 years$11,949$11,378$10,837$10,323$9,835$8,722
6 years$9,857$9,291$8,758$8,255$7,782$6,718
7 years$8,364$7,803$7,278$6,787$6,329$5,314
8 years$7,245$6,688$6,172$5,694$5,251$4,284
9 years$6,375$5,823$5,316$4,850$4,422$3,503
10 years$5,679$5,133$4,635$4,180$3,768$2,896
11 years$5,110$4,570$4,080$3,638$3,240$2,415
12 years$4,636$4,101$3,621$3,191$2,808$2,028
13 years$4,236$3,707$3,235$2,817$2,449$1,712
14 years$3,893$3,369$2,907$2,501$2,146$1,452
15 years$3,596$3,078$2,624$2,230$1,890$1,236
16 years$3,336$2,824$2,379$1,997$1,670$1,055
17 years$3,107$2,601$2,165$1,794$1,481$904
18 years$2,904$2,403$1,977$1,617$1,317$775
19 years$2,722$2,227$1,809$1,461$1,174$667
20 years$2,559$2,070$1,661$1,323$1,048$574
21 years$2,412$1,928$1,527$1,201$938$495
22 years$2,278$1,799$1,408$1,092$841$427
23 years$2,156$1,683$1,300$995$755$369
24 years$2,044$1,577$1,202$907$678$319
25 years$1,941$1,480$1,113$828$611$276
26 years$1,847$1,391$1,033$757$550$239
27 years$1,759$1,309$959$693$496$207
28 years$1,678$1,233$891$635$447$180
29 years$1,603$1,164$830$583$404$156
30 years$1,533$1,099$773$535$365$135
31 years$1,467$1,039$720$491$330$117
32 years$1,406$983$672$451$299$102
33 years$1,349$931$628$415$270$88
34 years$1,295$882$586$382$245$77
35 years$1,244$837$548$351$222$67
36 years$1,196$794$513$324$201$58
37 years$1,151$754$480$298$182$50
38 years$1,108$717$449$275$165$44
39 years$1,068$682$421$253$150$38
40 years$1,029$649$395$234$136$33
41 years$993$617$370$216$123$29
42 years$959$588$347$199$112$25
43 years$926$560$326$184$101$22
44 years$895$534$306$170$92$19
45 years$865$509$287$157$84$16
46 years$837$486$270$145$76$14
47 years$809$464$253$134$69$12
48 years$784$443$238$124$63$11
49 years$759$423$224$114$57$9
50 years$735$404$210$106$52$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $753,000, adding $6,991 every year, while hoping to spend $30,489 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: 30/49/21 Blend
51$753,000$753,000$753,000$753,000
52$837,017$797,108$785,437$856,462
53$889,953$803,726$779,309$878,479
54$947,266$809,647$771,954$898,937
55$1,009,371$814,804$763,298$920,306
56$1,076,724$819,126$753,265$942,684
57$1,149,825$822,538$741,775$966,180
58$1,229,226$824,961$728,743$990,918
59$1,315,532$826,310$714,081$1,017,036
60$1,409,411$826,493$697,697$1,044,686
61$1,511,595$825,416$679,495$1,074,042
62$1,622,893$822,976$659,373$1,105,297
63$1,744,192$819,066$637,226$1,138,666
64$1,876,470$813,571$612,944$1,174,388
65$2,020,804$806,370$586,411$1,212,733
66$2,178,377$797,333$557,506$1,254,000
67$2,350,493$786,324$526,105$1,298,521
68$2,538,587$773,198$492,073$1,346,670
69$2,744,240$757,801$455,274$1,398,858
70$2,969,191$739,972$415,565$1,455,548
71$3,215,356$719,538$372,793$1,517,250
72$3,484,843$696,317$326,803$1,584,535
73$3,779,976$670,115$277,430$1,658,037
74$4,103,313$640,730$224,504$1,738,458
75$4,457,671$607,945$167,844$1,826,580
76$4,846,150$571,532$107,264$1,923,272
77$5,272,170$531,249$42,570$2,029,496
78$5,739,492$486,842$0$2,146,321
79$6,252,263$438,039$0$2,280,864
80$6,815,047$384,557$0$2,439,075
81$7,432,875$326,093$0$2,612,911
82$8,111,286$262,329$0$2,804,040
83$8,856,383$192,929$0$3,014,306
84$9,674,888$117,537$0$3,245,749
85$10,574,209$35,778$0$3,500,625
86$11,562,504$0$0$3,781,425
87$12,648,761$0$0$4,119,347
88$13,842,883$0$0$4,512,160
89$15,155,779$0$0$4,944,178
90$16,599,471$0$0$5,419,373
91$18,187,199$0$0$5,942,122
92$19,933,555$0$0$6,517,244
93$21,854,615$0$0$7,150,053
94$23,968,089$0$0$7,846,403
95$26,293,493$0$0$8,612,742
96$28,852,329$0$0$9,456,177
97$31,668,289$0$0$10,384,537
98$34,767,477$0$0$11,406,451
99$38,178,656$0$0$12,531,425
100$41,933,520$0$0$13,769,935