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%17.4%
1 years$62,512$61,956$61,412$60,882$60,364$58,549
2 years$30,947$30,370$29,812$29,270$28,745$26,932
3 years$20,426$19,847$19,290$18,754$18,237$16,482
4 years$15,167$14,590$14,038$13,511$13,007$11,324
5 years$12,012$11,439$10,894$10,378$9,888$8,281
6 years$9,910$9,341$8,804$8,299$7,824$6,295
7 years$8,409$7,844$7,316$6,823$6,363$4,912
8 years$7,283$6,724$6,205$5,724$5,278$3,905
9 years$6,408$5,854$5,344$4,875$4,445$3,148
10 years$5,709$5,160$4,659$4,203$3,788$2,564
11 years$5,137$4,594$4,102$3,658$3,257$2,105
12 years$4,661$4,123$3,640$3,208$2,823$1,740
13 years$4,258$3,726$3,252$2,832$2,462$1,445
14 years$3,913$3,387$2,922$2,514$2,158$1,206
15 years$3,615$3,094$2,638$2,242$1,900$1,009
16 years$3,354$2,839$2,392$2,008$1,679$847
17 years$3,124$2,614$2,177$1,804$1,489$713
18 years$2,919$2,416$1,987$1,626$1,324$601
19 years$2,737$2,239$1,819$1,469$1,180$508
20 years$2,573$2,081$1,669$1,330$1,054$429
21 years$2,425$1,938$1,536$1,207$943$363
22 years$2,290$1,809$1,415$1,098$845$308
23 years$2,167$1,692$1,307$1,000$759$261
24 years$2,055$1,585$1,209$912$682$222
25 years$1,952$1,488$1,119$833$614$188
26 years$1,857$1,398$1,038$761$553$160
27 years$1,769$1,316$964$697$498$136
28 years$1,687$1,240$896$639$450$115
29 years$1,611$1,170$834$586$406$98
30 years$1,541$1,105$777$537$367$83
31 years$1,475$1,044$724$494$332$71
32 years$1,413$988$676$454$300$60
33 years$1,356$936$631$417$272$51
34 years$1,301$887$589$384$246$44
35 years$1,250$841$551$353$223$37
36 years$1,202$798$516$325$202$32
37 years$1,157$758$483$300$183$27
38 years$1,114$721$452$276$166$23
39 years$1,073$685$423$255$150$20
40 years$1,035$652$397$235$136$17
41 years$998$621$372$217$124$14
42 years$964$591$349$200$112$12
43 years$931$563$328$185$102$10
44 years$899$537$307$171$92$9
45 years$870$512$289$158$84$7
46 years$841$488$271$146$76$6
47 years$814$466$255$134$69$5
48 years$788$445$239$124$63$5
49 years$763$425$225$115$57$4
50 years$739$406$212$106$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $757,000, adding $2,056 every year, while hoping to spend $55,316 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: 78/13/9 Blend
51$757,000$757,000$757,000$757,000
52$836,335$796,214$784,480$900,239
53$862,785$776,372$751,905$922,663
54$890,079$753,705$716,384$939,894
55$918,245$728,014$677,760$957,178
56$947,312$699,092$635,871$974,497
57$977,308$666,718$590,543$991,831
58$1,008,265$630,659$541,598$1,009,157
59$1,040,215$590,668$488,848$1,026,453
60$1,073,191$546,485$432,098$1,043,692
61$1,107,226$497,833$371,144$1,060,848
62$1,142,358$444,421$305,771$1,077,892
63$1,178,621$385,941$235,758$1,094,794
64$1,216,056$322,067$160,871$1,111,520
65$1,254,701$252,456$80,867$1,128,035
66$1,294,598$176,744$0$1,144,303
67$1,335,790$94,547$0$1,160,715
68$1,378,322$5,461$0$1,185,113
69$1,422,239$0$0$1,209,705
70$1,467,591$0$0$1,247,479
71$1,514,428$0$0$1,287,297
72$1,562,803$0$0$1,328,422
73$1,612,769$0$0$1,370,902
74$1,664,385$0$0$1,414,785
75$1,717,709$0$0$1,460,121
76$1,772,805$0$0$1,506,964
77$1,829,737$0$0$1,555,369
78$1,888,573$0$0$1,605,394
79$1,949,385$0$0$1,657,100
80$2,012,248$0$0$1,710,551
81$2,077,239$0$0$1,765,814
82$2,144,441$0$0$1,822,958
83$2,213,941$0$0$1,882,057
84$2,285,828$0$0$1,943,188
85$2,360,200$0$0$2,006,434
86$2,437,155$0$0$2,071,879
87$2,516,801$0$0$2,139,615
88$2,599,249$0$0$2,209,736
89$2,684,617$0$0$2,282,344
90$2,773,030$0$0$2,357,546
91$2,864,621$0$0$2,435,453
92$2,959,529$0$0$2,516,187
93$3,057,904$0$0$2,599,873
94$3,159,903$0$0$2,686,647
95$3,265,694$0$0$2,776,652
96$3,375,455$0$0$2,870,040
97$3,489,376$0$0$2,966,974
98$3,607,660$0$0$3,067,628
99$3,730,524$0$0$3,172,185
100$3,858,199$0$0$3,280,845