Can I retire at age 52 with 757,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%11.5%
1 years$62,512$61,956$61,412$60,882$60,364$59,984
2 years$30,947$30,370$29,812$29,270$28,745$28,361
3 years$20,426$19,847$19,290$18,754$18,237$17,862
4 years$15,167$14,590$14,038$13,511$13,007$12,643
5 years$12,012$11,439$10,894$10,378$9,888$9,536
6 years$9,910$9,341$8,804$8,299$7,824$7,485
7 years$8,409$7,844$7,316$6,823$6,363$6,038
8 years$7,283$6,724$6,205$5,724$5,278$4,967
9 years$6,408$5,854$5,344$4,875$4,445$4,146
10 years$5,709$5,160$4,659$4,203$3,788$3,502
11 years$5,137$4,594$4,102$3,658$3,257$2,984
12 years$4,661$4,123$3,640$3,208$2,823$2,562
13 years$4,258$3,726$3,252$2,832$2,462$2,213
14 years$3,913$3,387$2,922$2,514$2,158$1,921
15 years$3,615$3,094$2,638$2,242$1,900$1,675
16 years$3,354$2,839$2,392$2,008$1,679$1,466
17 years$3,124$2,614$2,177$1,804$1,489$1,286
18 years$2,919$2,416$1,987$1,626$1,324$1,132
19 years$2,737$2,239$1,819$1,469$1,180$998
20 years$2,573$2,081$1,669$1,330$1,054$882
21 years$2,425$1,938$1,536$1,207$943$781
22 years$2,290$1,809$1,415$1,098$845$692
23 years$2,167$1,692$1,307$1,000$759$614
24 years$2,055$1,585$1,209$912$682$546
25 years$1,952$1,488$1,119$833$614$486
26 years$1,857$1,398$1,038$761$553$433
27 years$1,769$1,316$964$697$498$385
28 years$1,687$1,240$896$639$450$344
29 years$1,611$1,170$834$586$406$307
30 years$1,541$1,105$777$537$367$274
31 years$1,475$1,044$724$494$332$245
32 years$1,413$988$676$454$300$219
33 years$1,356$936$631$417$272$195
34 years$1,301$887$589$384$246$175
35 years$1,250$841$551$353$223$156
36 years$1,202$798$516$325$202$140
37 years$1,157$758$483$300$183$125
38 years$1,114$721$452$276$166$112
39 years$1,073$685$423$255$150$100
40 years$1,035$652$397$235$136$90
41 years$998$621$372$217$124$80
42 years$964$591$349$200$112$72
43 years$931$563$328$185$102$65
44 years$899$537$307$171$92$58
45 years$870$512$289$158$84$52
46 years$841$488$271$146$76$46
47 years$814$466$255$134$69$42
48 years$788$445$239$124$63$37
49 years$763$425$225$115$57$33
50 years$739$406$212$106$52$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $757,000, adding $4,550 every year, while hoping to spend $56,976 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: 46/37/17 Blend
51$757,000$757,000$757,000$757,000
52$838,907$798,786$787,053$873,241
53$863,854$777,305$752,797$876,152
54$889,435$752,861$715,484$873,211
55$915,656$725,250$674,952$868,805
56$942,520$694,254$631,029$862,819
57$970,028$659,644$583,540$855,134
58$998,180$621,175$532,298$845,625
59$1,026,974$578,592$477,109$834,154
60$1,056,405$531,622$417,771$820,580
61$1,086,465$479,979$354,073$804,750
62$1,117,143$423,357$285,794$786,502
63$1,148,427$361,436$212,703$765,663
64$1,180,297$293,877$134,559$742,052
65$1,212,732$220,322$51,112$715,474
66$1,245,705$140,392$0$685,722
67$1,279,183$53,688$0$659,460
68$1,313,128$0$0$639,912
69$1,347,495$0$0$633,975
70$1,382,231$0$0$650,037
71$1,417,275$0$0$666,206
72$1,452,555$0$0$682,445
73$1,487,992$0$0$698,711
74$1,523,493$0$0$714,957
75$1,558,952$0$0$731,126
76$1,594,250$0$0$747,156
77$1,629,252$0$0$762,977
78$1,663,804$0$0$778,510
79$1,697,733$0$0$793,665
80$1,730,847$0$0$808,342
81$1,762,926$0$0$822,429
82$1,793,727$0$0$835,798
83$1,822,975$0$0$848,310
84$1,850,365$0$0$859,807
85$1,875,553$0$0$870,113
86$1,898,160$0$0$879,033
87$1,917,758$0$0$886,347
88$1,933,874$0$0$891,814
89$1,945,980$0$0$895,162
90$1,953,488$0$0$896,093
91$1,955,746$0$0$894,271
92$1,952,029$0$0$889,327
93$1,941,531$0$0$880,850
94$1,923,361$0$0$868,383
95$1,896,527$0$0$851,422
96$1,859,930$0$0$829,407
97$1,812,355$0$0$801,717
98$1,752,452$0$0$767,665
99$1,678,729$0$0$726,492
100$1,589,533$0$0$677,355