Can I retire at age 52 with 754,000?

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 $754,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$62,265$61,710$61,169$60,641$60,125$59,008
2 years$30,824$30,250$29,694$29,154$28,631$27,509
3 years$20,345$19,769$19,214$18,679$18,165$17,074
4 years$15,107$14,532$13,983$13,457$12,955$11,904
5 years$11,965$11,393$10,851$10,337$9,848$8,839
6 years$9,871$9,304$8,769$8,266$7,793$6,826
7 years$8,375$7,813$7,287$6,796$6,338$5,415
8 years$7,254$6,697$6,180$5,701$5,258$4,378
9 years$6,383$5,831$5,323$4,856$4,428$3,591
10 years$5,686$5,140$4,641$4,186$3,773$2,978
11 years$5,117$4,576$4,086$3,643$3,245$2,491
12 years$4,642$4,107$3,626$3,195$2,812$2,098
13 years$4,241$3,711$3,240$2,821$2,452$1,777
14 years$3,898$3,374$2,911$2,504$2,149$1,512
15 years$3,600$3,082$2,628$2,233$1,892$1,292
16 years$3,341$2,828$2,383$2,000$1,672$1,107
17 years$3,111$2,604$2,168$1,797$1,483$951
18 years$2,908$2,406$1,979$1,619$1,319$819
19 years$2,726$2,230$1,812$1,463$1,175$707
20 years$2,563$2,072$1,663$1,325$1,050$611
21 years$2,415$1,930$1,530$1,203$939$529
22 years$2,281$1,802$1,410$1,093$842$458
23 years$2,159$1,685$1,302$996$756$398
24 years$2,047$1,579$1,204$908$679$345
25 years$1,944$1,482$1,115$829$611$300
26 years$1,849$1,393$1,034$758$551$261
27 years$1,762$1,311$960$694$496$227
28 years$1,681$1,235$893$636$448$198
29 years$1,605$1,165$831$583$405$172
30 years$1,535$1,100$774$535$366$150
31 years$1,469$1,040$721$492$330$131
32 years$1,408$984$673$452$299$114
33 years$1,350$932$628$415$271$99
34 years$1,296$883$587$382$245$87
35 years$1,245$838$549$352$222$75
36 years$1,198$795$514$324$201$66
37 years$1,152$755$481$299$182$57
38 years$1,110$718$450$275$165$50
39 years$1,069$683$422$254$150$44
40 years$1,031$649$395$234$136$38
41 years$994$618$371$216$123$33
42 years$960$589$348$199$112$29
43 years$927$561$326$184$101$25
44 years$896$535$306$170$92$22
45 years$866$510$288$157$84$19
46 years$838$486$270$145$76$17
47 years$811$464$254$134$69$15
48 years$785$443$238$124$63$13
49 years$760$423$224$114$57$11
50 years$736$404$211$106$52$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $754,000, adding $2,513 every year, while hoping to spend $50,106 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: 64/17/19 Blend
51$754,000$754,000$754,000$754,000
52$833,500$793,538$781,851$882,684
53$865,205$779,109$754,731$901,617
54$898,464$762,294$725,023$916,375
55$933,383$742,922$692,587$931,318
56$970,078$720,815$657,278$946,465
57$1,008,672$695,781$618,943$961,840
58$1,049,301$667,619$577,422$977,472
59$1,092,114$636,116$532,550$993,394
60$1,137,271$601,047$484,151$1,009,647
61$1,184,947$562,173$432,045$1,026,274
62$1,235,334$519,242$376,041$1,043,330
63$1,288,640$471,987$315,941$1,060,875
64$1,345,094$420,127$251,537$1,078,979
65$1,404,943$363,363$182,614$1,097,722
66$1,468,461$301,382$108,945$1,117,196
67$1,535,945$233,850$30,295$1,137,504
68$1,607,719$160,416$0$1,158,767
69$1,684,141$80,711$0$1,191,992
70$1,765,599$0$0$1,233,719
71$1,852,520$0$0$1,279,086
72$1,945,373$0$0$1,343,708
73$2,044,669$0$0$1,412,848
74$2,150,971$0$0$1,486,900
75$2,264,894$0$0$1,566,299
76$2,387,115$0$0$1,651,520
77$2,518,376$0$0$1,743,085
78$2,659,490$0$0$1,841,569
79$2,811,352$0$0$1,947,599
80$2,974,942$0$0$2,061,867
81$3,151,338$0$0$2,185,132
82$3,341,725$0$0$2,318,229
83$3,547,403$0$0$2,462,073
84$3,769,803$0$0$2,617,672
85$4,010,494$0$0$2,786,133
86$4,271,206$0$0$2,968,672
87$4,553,837$0$0$3,166,629
88$4,860,476$0$0$3,381,474
89$5,193,420$0$0$3,614,828
90$5,555,195$0$0$3,868,469
91$5,948,581$0$0$4,144,356
92$6,376,634$0$0$4,444,646
93$6,842,721$0$0$4,771,708
94$7,350,541$0$0$5,128,152
95$7,904,170$0$0$5,516,851
96$8,508,091$0$0$5,940,963
97$9,167,239$0$0$6,403,969
98$9,887,047$0$0$6,909,698
99$10,673,496$0$0$7,462,366
100$11,533,168$0$0$8,066,614