Can I retire at age 52 with 755,000?

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 $755,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$62,347$61,792$61,250$60,721$60,205$58,046
2 years$30,865$30,290$29,733$29,193$28,669$26,517
3 years$20,372$19,795$19,239$18,704$18,189$16,112
4 years$15,127$14,551$14,001$13,475$12,972$10,986
5 years$11,981$11,408$10,866$10,350$9,861$7,971
6 years$9,884$9,316$8,781$8,277$7,803$6,010
7 years$8,386$7,823$7,297$6,805$6,346$4,650
8 years$7,264$6,706$6,188$5,709$5,265$3,664
9 years$6,392$5,839$5,330$4,863$4,434$2,926
10 years$5,694$5,147$4,647$4,192$3,778$2,361
11 years$5,124$4,582$4,091$3,648$3,249$1,920
12 years$4,649$4,112$3,631$3,200$2,815$1,571
13 years$4,247$3,716$3,244$2,825$2,455$1,292
14 years$3,903$3,378$2,915$2,508$2,152$1,067
15 years$3,605$3,086$2,631$2,236$1,895$883
16 years$3,345$2,831$2,386$2,002$1,675$734
17 years$3,115$2,608$2,171$1,799$1,485$610
18 years$2,912$2,409$1,982$1,621$1,320$509
19 years$2,730$2,233$1,814$1,465$1,177$425
20 years$2,566$2,075$1,665$1,327$1,051$355
21 years$2,418$1,933$1,532$1,204$941$297
22 years$2,284$1,804$1,412$1,095$843$249
23 years$2,161$1,687$1,303$997$757$209
24 years$2,049$1,581$1,205$909$680$175
25 years$1,947$1,484$1,116$831$612$147
26 years$1,852$1,394$1,035$759$551$123
27 years$1,764$1,312$961$695$497$103
28 years$1,683$1,237$894$637$449$87
29 years$1,607$1,167$832$584$405$73
30 years$1,537$1,102$775$536$366$61
31 years$1,471$1,042$722$492$331$51
32 years$1,410$985$674$452$299$43
33 years$1,352$933$629$416$271$36
34 years$1,298$885$588$383$245$31
35 years$1,247$839$550$352$222$26
36 years$1,199$796$514$325$201$22
37 years$1,154$756$481$299$182$18
38 years$1,111$719$451$276$165$15
39 years$1,071$683$422$254$150$13
40 years$1,032$650$396$234$136$11
41 years$996$619$371$216$123$9
42 years$961$590$348$200$112$8
43 years$928$562$327$184$102$6
44 years$897$535$307$170$92$5
45 years$867$511$288$157$84$5
46 years$839$487$270$145$76$4
47 years$812$465$254$134$69$3
48 years$786$444$239$124$63$3
49 years$761$424$224$114$57$2
50 years$737$405$211$106$52$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $755,000, adding $3,027 every year, while hoping to spend $21,749 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: 24/47/29 Blend
51$755,000$755,000$755,000$755,000
52$835,132$795,117$783,415$847,515
53$897,175$810,937$786,518$874,157
54$964,817$826,804$788,997$900,654
55$1,038,607$842,695$790,807$928,591
56$1,119,148$858,590$791,902$958,101
57$1,207,104$874,464$792,233$989,335
58$1,303,206$890,290$791,751$1,022,458
59$1,408,259$906,041$790,401$1,057,652
60$1,523,150$921,685$788,128$1,095,120
61$1,648,854$937,191$784,873$1,135,087
62$1,786,446$952,521$780,574$1,177,801
63$1,937,108$967,640$775,168$1,223,537
64$2,102,144$982,505$768,587$1,272,599
65$2,282,988$997,073$760,761$1,325,324
66$2,481,221$1,011,298$751,614$1,382,085
67$2,698,582$1,025,129$741,070$1,443,294
68$2,936,990$1,038,512$729,048$1,509,408
69$3,198,554$1,051,390$715,462$1,580,930
70$3,485,600$1,063,702$700,224$1,658,420
71$3,800,690$1,075,382$683,240$1,742,494
72$4,146,645$1,086,361$664,414$1,833,835
73$4,526,574$1,096,563$643,642$1,933,198
74$4,943,900$1,105,910$620,820$2,041,419
75$5,402,395$1,114,317$595,835$2,159,418
76$5,906,214$1,121,694$568,570$2,288,216
77$6,459,936$1,127,945$538,905$2,428,940
78$7,068,603$1,132,967$506,712$2,582,835
79$7,737,770$1,136,653$471,857$2,751,278
80$8,473,561$1,138,887$434,202$2,935,789
81$9,282,718$1,139,546$393,601$3,138,047
82$10,172,672$1,138,500$349,904$3,359,909
83$11,151,609$1,135,611$302,950$3,603,424
84$12,228,549$1,130,733$252,575$3,870,856
85$13,413,432$1,123,709$198,607$4,164,705
86$14,717,205$1,114,374$140,864$4,487,730
87$16,151,935$1,102,553$79,158$4,842,981
88$17,730,915$1,088,061$13,292$5,233,824
89$19,468,793$1,070,700$0$5,663,973
90$21,381,707$1,050,263$0$6,155,167
91$23,487,443$1,026,527$0$6,699,833
92$25,805,595$999,260$0$7,298,920
93$28,357,755$968,213$0$7,958,015
94$31,167,716$933,125$0$8,683,283
95$34,261,692$893,717$0$9,481,518
96$37,668,572$849,697$0$10,360,217
97$41,420,189$800,754$0$11,327,643
98$45,551,616$746,559$0$12,392,912
99$50,101,507$686,766$0$13,566,073
100$55,112,450$621,008$0$14,858,210