Can I retire at age 52 with 757,000?

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 $757,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$62,512$61,956$61,412$60,882$60,364$58,905
2 years$30,947$30,370$29,812$29,270$28,745$27,283
3 years$20,426$19,847$19,290$18,754$18,237$16,819
4 years$15,167$14,590$14,038$13,511$13,007$11,643
5 years$12,012$11,439$10,894$10,378$9,888$8,582
6 years$9,910$9,341$8,804$8,299$7,824$6,578
7 years$8,409$7,844$7,316$6,823$6,363$5,177
8 years$7,283$6,724$6,205$5,724$5,278$4,152
9 years$6,408$5,854$5,344$4,875$4,445$3,377
10 years$5,709$5,160$4,659$4,203$3,788$2,776
11 years$5,137$4,594$4,102$3,658$3,257$2,302
12 years$4,661$4,123$3,640$3,208$2,823$1,921
13 years$4,258$3,726$3,252$2,832$2,462$1,612
14 years$3,913$3,387$2,922$2,514$2,158$1,359
15 years$3,615$3,094$2,638$2,242$1,900$1,150
16 years$3,354$2,839$2,392$2,008$1,679$976
17 years$3,124$2,614$2,177$1,804$1,489$830
18 years$2,919$2,416$1,987$1,626$1,324$707
19 years$2,737$2,239$1,819$1,469$1,180$604
20 years$2,573$2,081$1,669$1,330$1,054$517
21 years$2,425$1,938$1,536$1,207$943$442
22 years$2,290$1,809$1,415$1,098$845$379
23 years$2,167$1,692$1,307$1,000$759$325
24 years$2,055$1,585$1,209$912$682$279
25 years$1,952$1,488$1,119$833$614$240
26 years$1,857$1,398$1,038$761$553$206
27 years$1,769$1,316$964$697$498$178
28 years$1,687$1,240$896$639$450$153
29 years$1,611$1,170$834$586$406$132
30 years$1,541$1,105$777$537$367$113
31 years$1,475$1,044$724$494$332$98
32 years$1,413$988$676$454$300$84
33 years$1,356$936$631$417$272$72
34 years$1,301$887$589$384$246$62
35 years$1,250$841$551$353$223$54
36 years$1,202$798$516$325$202$46
37 years$1,157$758$483$300$183$40
38 years$1,114$721$452$276$166$35
39 years$1,073$685$423$255$150$30
40 years$1,035$652$397$235$136$26
41 years$998$621$372$217$124$22
42 years$964$591$349$200$112$19
43 years$931$563$328$185$102$16
44 years$899$537$307$171$92$14
45 years$870$512$289$158$84$12
46 years$841$488$271$146$76$11
47 years$814$466$255$134$69$9
48 years$788$445$239$124$63$8
49 years$763$425$225$115$57$7
50 years$739$406$212$106$52$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $757,000, adding $5,135 every year, while hoping to spend $51,380 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: 64/19/17 Blend
51$757,000$757,000$757,000$757,000
52$839,511$799,390$787,656$889,379
53$870,473$783,892$759,375$907,972
54$902,871$765,913$728,424$921,939
55$936,798$745,276$694,660$935,964
56$972,353$721,796$657,932$950,055
57$1,009,644$695,276$618,085$964,220
58$1,048,790$665,506$574,953$978,474
59$1,089,918$632,267$528,365$992,832
60$1,133,166$595,325$478,142$1,007,314
61$1,178,687$554,434$424,097$1,021,945
62$1,226,643$509,331$366,035$1,036,754
63$1,277,215$459,743$303,751$1,051,778
64$1,330,596$405,376$237,032$1,067,057
65$1,387,001$345,923$165,656$1,082,643
66$1,446,660$281,058$89,391$1,098,592
67$1,509,827$210,438$7,993$1,114,973
68$1,576,779$133,699$0$1,131,864
69$1,647,818$50,457$0$1,163,662
70$1,723,274$0$0$1,198,643
71$1,803,510$0$0$1,243,822
72$1,888,920$0$0$1,303,173
73$1,979,937$0$0$1,366,451
74$2,077,036$0$0$1,433,989
75$2,180,737$0$0$1,506,154
76$2,291,608$0$0$1,583,345
77$2,410,273$0$0$1,666,001
78$2,537,417$0$0$1,754,606
79$2,673,791$0$0$1,849,685
80$2,820,219$0$0$1,951,821
81$2,977,603$0$0$2,061,648
82$3,146,937$0$0$2,179,867
83$3,329,309$0$0$2,307,243
84$3,525,918$0$0$2,444,620
85$3,738,076$0$0$2,592,924
86$3,967,229$0$0$2,753,172
87$4,214,964$0$0$2,926,481
88$4,483,024$0$0$3,114,082
89$4,773,328$0$0$3,317,325
90$5,087,983$0$0$3,537,695
91$5,429,308$0$0$3,776,826
92$5,799,852$0$0$4,036,514
93$6,202,420$0$0$4,318,735
94$6,640,095$0$0$4,625,664
95$7,116,272$0$0$4,959,692
96$7,634,683$0$0$5,323,450
97$8,199,438$0$0$5,719,835
98$8,815,058$0$0$6,152,032
99$9,486,518$0$0$6,623,550
100$10,219,295$0$0$7,138,250