Can I retire at age 52 with 756,000?

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 $756,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$62,430$61,874$61,331$60,802$60,285$59,581
2 years$30,906$30,330$29,772$29,232$28,707$27,998
3 years$20,399$19,821$19,265$18,729$18,213$17,522
4 years$15,147$14,571$14,020$13,493$12,990$12,321
5 years$11,996$11,424$10,880$10,364$9,874$9,231
6 years$9,897$9,328$8,793$8,288$7,813$7,195
7 years$8,398$7,834$7,307$6,814$6,354$5,762
8 years$7,274$6,715$6,197$5,716$5,272$4,705
9 years$6,400$5,847$5,337$4,869$4,439$3,898
10 years$5,701$5,154$4,653$4,197$3,783$3,266
11 years$5,130$4,588$4,096$3,653$3,253$2,761
12 years$4,655$4,118$3,636$3,204$2,819$2,351
13 years$4,253$3,721$3,248$2,829$2,458$2,014
14 years$3,908$3,383$2,918$2,511$2,155$1,734
15 years$3,610$3,090$2,635$2,239$1,897$1,498
16 years$3,349$2,835$2,389$2,005$1,677$1,299
17 years$3,120$2,611$2,174$1,802$1,487$1,130
18 years$2,916$2,413$1,984$1,624$1,322$985
19 years$2,733$2,236$1,817$1,467$1,178$861
20 years$2,569$2,078$1,667$1,329$1,053$753
21 years$2,421$1,935$1,534$1,206$942$661
22 years$2,287$1,807$1,413$1,096$844$580
23 years$2,164$1,690$1,305$998$758$510
24 years$2,052$1,583$1,207$911$681$448
25 years$1,949$1,486$1,118$832$613$395
26 years$1,854$1,396$1,037$760$552$348
27 years$1,766$1,314$963$696$498$307
28 years$1,685$1,238$895$638$449$271
29 years$1,609$1,168$833$585$406$239
30 years$1,539$1,103$776$537$366$211
31 years$1,473$1,043$723$493$331$187
32 years$1,412$987$675$453$300$165
33 years$1,354$935$630$417$271$146
34 years$1,300$886$589$383$246$129
35 years$1,249$840$550$353$222$114
36 years$1,201$797$515$325$202$101
37 years$1,155$757$482$299$183$90
38 years$1,113$720$451$276$166$79
39 years$1,072$684$423$254$150$70
40 years$1,034$651$396$235$136$62
41 years$997$620$372$217$124$55
42 years$962$590$349$200$112$49
43 years$930$562$327$184$102$43
44 years$898$536$307$170$92$38
45 years$868$511$288$157$84$34
46 years$840$488$271$145$76$30
47 years$813$465$254$134$69$27
48 years$787$444$239$124$63$24
49 years$762$424$225$115$57$21
50 years$738$405$211$106$52$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $756,000, adding $2,178 every year, while hoping to spend $50,424 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: 88/7/5 Blend
51$756,000$756,000$756,000$756,000
52$835,359$795,291$783,573$908,774
53$866,914$780,609$756,172$942,184
54$899,999$763,518$726,163$971,622
55$934,715$743,847$693,405$1,002,317
56$971,174$721,413$657,752$1,034,354
57$1,009,496$696,025$619,050$1,067,830
58$1,049,815$667,480$577,138$1,102,849
59$1,092,273$635,563$531,848$1,139,525
60$1,137,025$600,047$483,006$1,177,986
61$1,184,243$560,690$430,428$1,218,368
62$1,234,110$517,239$373,922$1,260,823
63$1,286,831$469,425$313,289$1,305,516
64$1,342,624$416,963$248,321$1,352,631
65$1,401,731$359,553$178,799$1,402,368
66$1,464,415$296,879$104,496$1,454,947
67$1,530,963$228,604$25,175$1,510,611
68$1,601,691$154,375$0$1,569,626
69$1,676,941$73,817$0$1,635,457
70$1,757,092$0$0$1,706,894
71$1,842,554$0$0$1,784,000
72$1,933,780$0$0$1,872,378
73$2,031,265$0$0$1,966,823
74$2,135,550$0$0$2,067,860
75$2,247,232$0$0$2,176,066
76$2,366,961$0$0$2,292,073
77$2,495,454$0$0$2,416,576
78$2,633,495$0$0$2,550,335
79$2,781,947$0$0$2,694,187
80$2,941,756$0$0$2,849,049
81$3,113,961$0$0$3,015,929
82$3,299,704$0$0$3,195,933
83$3,500,238$0$0$3,390,277
84$3,716,942$0$0$3,600,298
85$3,951,329$0$0$3,827,464
86$4,205,064$0$0$4,073,388
87$4,479,978$0$0$4,339,846
88$4,778,081$0$0$4,628,788
89$5,101,587$0$0$4,942,360
90$5,452,930$0$0$5,282,922
91$5,834,785$0$0$5,653,069
92$6,250,097$0$0$6,055,656
93$6,702,106$0$0$6,493,825
94$7,194,377$0$0$6,971,033
95$7,730,833$0$0$7,491,084
96$8,315,790$0$0$8,058,164
97$8,953,999$0$0$8,676,879
98$9,650,690$0$0$9,352,303
99$10,411,621$0$0$10,090,017
100$11,243,128$0$0$10,896,166