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%15.8%
1 years$62,512$61,956$61,412$60,882$60,364$58,929
2 years$30,947$30,370$29,812$29,270$28,745$27,307
3 years$20,426$19,847$19,290$18,754$18,237$16,842
4 years$15,167$14,590$14,038$13,511$13,007$11,665
5 years$12,012$11,439$10,894$10,378$9,888$8,603
6 years$9,910$9,341$8,804$8,299$7,824$6,597
7 years$8,409$7,844$7,316$6,823$6,363$5,195
8 years$7,283$6,724$6,205$5,724$5,278$4,169
9 years$6,408$5,854$5,344$4,875$4,445$3,393
10 years$5,709$5,160$4,659$4,203$3,788$2,791
11 years$5,137$4,594$4,102$3,658$3,257$2,316
12 years$4,661$4,123$3,640$3,208$2,823$1,934
13 years$4,258$3,726$3,252$2,832$2,462$1,624
14 years$3,913$3,387$2,922$2,514$2,158$1,370
15 years$3,615$3,094$2,638$2,242$1,900$1,160
16 years$3,354$2,839$2,392$2,008$1,679$985
17 years$3,124$2,614$2,177$1,804$1,489$838
18 years$2,919$2,416$1,987$1,626$1,324$715
19 years$2,737$2,239$1,819$1,469$1,180$611
20 years$2,573$2,081$1,669$1,330$1,054$523
21 years$2,425$1,938$1,536$1,207$943$448
22 years$2,290$1,809$1,415$1,098$845$385
23 years$2,167$1,692$1,307$1,000$759$330
24 years$2,055$1,585$1,209$912$682$284
25 years$1,952$1,488$1,119$833$614$244
26 years$1,857$1,398$1,038$761$553$210
27 years$1,769$1,316$964$697$498$181
28 years$1,687$1,240$896$639$450$156
29 years$1,611$1,170$834$586$406$134
30 years$1,541$1,105$777$537$367$116
31 years$1,475$1,044$724$494$332$100
32 years$1,413$988$676$454$300$86
33 years$1,356$936$631$417$272$74
34 years$1,301$887$589$384$246$64
35 years$1,250$841$551$353$223$55
36 years$1,202$798$516$325$202$48
37 years$1,157$758$483$300$183$41
38 years$1,114$721$452$276$166$35
39 years$1,073$685$423$255$150$31
40 years$1,035$652$397$235$136$26
41 years$998$621$372$217$124$23
42 years$964$591$349$200$112$20
43 years$931$563$328$185$102$17
44 years$899$537$307$171$92$15
45 years$870$512$289$158$84$13
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 $5,332 every year, while hoping to spend $53,074 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: 76/6/18 Blend
51$757,000$757,000$757,000$757,000
52$839,714$799,593$787,859$899,693
53$868,894$782,303$757,782$922,809
54$899,273$762,386$724,919$941,038
55$930,914$739,659$689,120$959,607
56$963,891$713,926$650,229$978,535
57$998,279$684,979$608,082$997,842
58$1,034,161$652,601$562,511$1,017,552
59$1,071,625$616,558$513,335$1,037,693
60$1,110,769$576,607$460,369$1,058,293
61$1,151,694$532,488$403,419$1,079,389
62$1,194,515$483,928$342,281$1,101,020
63$1,239,352$430,637$276,744$1,123,229
64$1,286,336$372,308$206,585$1,146,066
65$1,335,611$308,620$131,574$1,169,588
66$1,387,331$239,230$51,469$1,193,859
67$1,441,664$163,778$0$1,218,949
68$1,498,793$81,882$0$1,251,472
69$1,558,917$0$0$1,295,960
70$1,622,252$0$0$1,343,123
71$1,689,033$0$0$1,398,564
72$1,759,517$0$0$1,457,091
73$1,833,984$0$0$1,518,937
74$1,912,739$0$0$1,584,359
75$1,996,115$0$0$1,653,634
76$2,084,476$0$0$1,727,066
77$2,178,220$0$0$1,804,989
78$2,277,782$0$0$1,887,765
79$2,383,636$0$0$1,975,792
80$2,496,303$0$0$2,069,506
81$2,616,353$0$0$2,169,382
82$2,744,408$0$0$2,275,943
83$2,881,153$0$0$2,389,759
84$3,027,336$0$0$2,511,457
85$3,183,776$0$0$2,641,723
86$3,351,375$0$0$2,781,310
87$3,531,118$0$0$2,931,045
88$3,724,090$0$0$3,091,832
89$3,931,477$0$0$3,264,668
90$4,154,585$0$0$3,450,643
91$4,394,847$0$0$3,650,956
92$4,653,834$0$0$3,866,924
93$4,933,276$0$0$4,099,993
94$5,235,070$0$0$4,351,753
95$5,561,304$0$0$4,623,949
96$5,914,269$0$0$4,918,501
97$6,296,487$0$0$5,237,519
98$6,710,728$0$0$5,583,323
99$7,160,040$0$0$5,958,464
100$7,647,773$0$0$6,365,747