Can I retire at age 52 with 755,000?

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 $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%12.2%
1 years$62,347$61,792$61,250$60,721$60,205$59,651
2 years$30,865$30,290$29,733$29,193$28,669$28,111
3 years$20,372$19,795$19,239$18,704$18,189$17,643
4 years$15,127$14,551$14,001$13,475$12,972$12,444
5 years$11,981$11,408$10,866$10,350$9,861$9,352
6 years$9,884$9,316$8,781$8,277$7,803$7,313
7 years$8,386$7,823$7,297$6,805$6,346$5,876
8 years$7,264$6,706$6,188$5,709$5,265$4,814
9 years$6,392$5,839$5,330$4,863$4,434$4,003
10 years$5,694$5,147$4,647$4,192$3,778$3,366
11 years$5,124$4,582$4,091$3,648$3,249$2,857
12 years$4,649$4,112$3,631$3,200$2,815$2,442
13 years$4,247$3,716$3,244$2,825$2,455$2,100
14 years$3,903$3,378$2,915$2,508$2,152$1,814
15 years$3,605$3,086$2,631$2,236$1,895$1,574
16 years$3,345$2,831$2,386$2,002$1,675$1,371
17 years$3,115$2,608$2,171$1,799$1,485$1,197
18 years$2,912$2,409$1,982$1,621$1,320$1,048
19 years$2,730$2,233$1,814$1,465$1,177$920
20 years$2,566$2,075$1,665$1,327$1,051$809
21 years$2,418$1,933$1,532$1,204$941$712
22 years$2,284$1,804$1,412$1,095$843$628
23 years$2,161$1,687$1,303$997$757$555
24 years$2,049$1,581$1,205$909$680$490
25 years$1,947$1,484$1,116$831$612$434
26 years$1,852$1,394$1,035$759$551$384
27 years$1,764$1,312$961$695$497$340
28 years$1,683$1,237$894$637$449$302
29 years$1,607$1,167$832$584$405$268
30 years$1,537$1,102$775$536$366$238
31 years$1,471$1,042$722$492$331$211
32 years$1,410$985$674$452$299$188
33 years$1,352$933$629$416$271$167
34 years$1,298$885$588$383$245$148
35 years$1,247$839$550$352$222$132
36 years$1,199$796$514$325$201$117
37 years$1,154$756$481$299$182$104
38 years$1,111$719$451$276$165$93
39 years$1,071$683$422$254$150$83
40 years$1,032$650$396$234$136$74
41 years$996$619$371$216$123$65
42 years$961$590$348$200$112$58
43 years$928$562$327$184$102$52
44 years$897$535$307$170$92$46
45 years$867$511$288$157$84$41
46 years$839$487$270$145$76$37
47 years$812$465$254$134$69$33
48 years$786$444$239$124$63$29
49 years$761$424$224$114$57$26
50 years$737$405$211$106$52$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $755,000, adding $2,213 every year, while hoping to spend $20,570 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: 39/43/18 Blend
51$755,000$755,000$755,000$755,000
52$834,293$794,278$782,575$862,267
53$897,504$811,311$786,905$899,539
54$966,474$828,489$790,691$937,680
55$1,041,767$845,799$793,892$978,490
56$1,124,007$863,222$796,467$1,022,223
57$1,213,879$880,743$798,372$1,069,156
58$1,312,137$898,342$799,559$1,119,597
59$1,419,612$915,998$799,982$1,173,884
60$1,537,220$933,689$799,589$1,232,392
61$1,665,967$951,390$798,325$1,295,531
62$1,806,962$969,075$796,136$1,363,757
63$1,961,428$986,715$792,962$1,437,571
64$2,130,709$1,004,280$788,741$1,517,525
65$2,316,287$1,021,735$783,410$1,604,229
66$2,519,793$1,039,045$776,899$1,698,356
67$2,743,026$1,056,172$769,139$1,800,648
68$2,987,964$1,073,074$760,055$1,911,922
69$3,256,788$1,089,706$749,568$2,033,082
70$3,551,899$1,106,021$737,598$2,165,123
71$3,875,944$1,121,967$724,058$2,309,144
72$4,231,836$1,137,490$708,861$2,466,354
73$4,622,787$1,152,530$691,911$2,638,091
74$5,052,333$1,167,026$673,111$2,825,828
75$5,524,370$1,180,909$652,360$3,031,191
76$6,043,191$1,194,109$629,549$3,255,972
77$6,613,525$1,206,549$604,567$3,502,148
78$7,240,582$1,218,147$577,297$3,771,899
79$7,930,101$1,228,816$547,617$4,067,632
80$8,688,407$1,238,464$515,398$4,391,999
81$9,522,468$1,246,992$480,507$4,747,924
82$10,439,960$1,254,294$442,804$5,138,633
83$11,449,341$1,260,260$402,144$5,567,686
84$12,559,931$1,264,771$358,373$6,039,004
85$13,781,999$1,267,699$311,333$6,556,914
86$15,126,857$1,268,910$260,857$7,126,188
87$16,606,972$1,268,263$206,771$7,752,087
88$18,236,080$1,265,604$148,895$8,440,412
89$20,029,316$1,260,775$87,039$9,197,559
90$22,003,356$1,253,603$21,004$10,030,584
91$24,176,577$1,243,907$0$10,947,263
92$26,569,225$1,231,496$0$11,965,672
93$29,203,613$1,216,166$0$13,090,689
94$32,104,325$1,197,702$0$14,328,744
95$35,298,450$1,175,873$0$15,691,376
96$38,815,840$1,150,439$0$17,191,305
97$42,689,388$1,121,143$0$18,842,552
98$46,955,339$1,087,712$0$20,660,571
99$51,653,633$1,049,860$0$22,662,398
100$56,828,282$1,007,282$0$24,866,811