Can I retire at age 52 with 758,000?

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 $758,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$62,595$62,037$61,493$60,962$60,444$59,272
2 years$30,988$30,410$29,851$29,309$28,783$27,607
3 years$20,453$19,874$19,316$18,778$18,261$17,118
4 years$15,187$14,609$14,057$13,529$13,024$11,922
5 years$12,028$11,454$10,909$10,391$9,901$8,843
6 years$9,923$9,353$8,816$8,310$7,834$6,823
7 years$8,420$7,855$7,326$6,832$6,371$5,406
8 years$7,293$6,733$6,213$5,731$5,285$4,366
9 years$6,417$5,862$5,351$4,882$4,451$3,577
10 years$5,717$5,167$4,665$4,208$3,793$2,962
11 years$5,144$4,600$4,107$3,662$3,262$2,475
12 years$4,667$4,129$3,645$3,212$2,827$2,082
13 years$4,264$3,731$3,257$2,836$2,465$1,761
14 years$3,919$3,392$2,926$2,518$2,161$1,497
15 years$3,620$3,098$2,642$2,245$1,902$1,277
16 years$3,358$2,843$2,395$2,010$1,681$1,093
17 years$3,128$2,618$2,180$1,806$1,491$938
18 years$2,923$2,419$1,990$1,628$1,326$806
19 years$2,741$2,242$1,821$1,471$1,181$695
20 years$2,576$2,083$1,672$1,332$1,055$600
21 years$2,428$1,941$1,538$1,209$944$518
22 years$2,293$1,811$1,417$1,099$847$448
23 years$2,170$1,694$1,308$1,001$760$388
24 years$2,058$1,587$1,210$913$683$337
25 years$1,954$1,490$1,121$834$615$292
26 years$1,859$1,400$1,040$762$554$253
27 years$1,771$1,318$965$698$499$220
28 years$1,689$1,242$897$639$450$191
29 years$1,614$1,171$835$586$407$166
30 years$1,543$1,106$778$538$367$145
31 years$1,477$1,046$725$494$332$126
32 years$1,415$989$677$454$301$110
33 years$1,357$937$632$418$272$95
34 years$1,303$888$590$384$246$83
35 years$1,252$842$552$354$223$72
36 years$1,204$799$516$326$202$63
37 years$1,158$759$483$300$183$55
38 years$1,115$722$452$277$166$48
39 years$1,075$686$424$255$151$42
40 years$1,036$653$397$235$137$36
41 years$1,000$621$373$217$124$32
42 years$965$592$349$200$112$28
43 years$932$564$328$185$102$24
44 years$901$538$308$171$93$21
45 years$871$513$289$158$84$18
46 years$842$489$271$146$76$16
47 years$815$467$255$135$69$14
48 years$789$445$240$124$63$12
49 years$764$425$225$115$57$11
50 years$740$406$212$106$52$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $758,000, adding $5,668 every year, while hoping to spend $21,012 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: 38/50/12 Blend
51$758,000$758,000$758,000$758,000
52$841,163$800,989$789,240$869,852
53$904,605$817,880$793,322$907,682
54$973,813$834,896$796,838$946,072
55$1,049,355$852,018$799,745$987,096
56$1,131,853$869,231$802,000$1,031,001
57$1,221,992$886,514$803,557$1,078,058
58$1,320,529$903,846$804,370$1,128,566
59$1,428,294$921,205$804,387$1,182,856
60$1,546,202$938,567$803,557$1,241,292
61$1,675,263$955,905$801,823$1,304,275
62$1,816,584$973,189$799,130$1,372,247
63$1,971,390$990,389$795,415$1,445,697
64$2,141,026$1,007,472$790,615$1,525,163
65$2,326,974$1,024,402$784,664$1,611,239
66$2,530,867$1,041,139$777,492$1,704,579
67$2,754,503$1,057,642$769,025$1,805,906
68$2,999,862$1,073,867$759,188$1,916,015
69$3,269,127$1,089,766$747,900$2,035,787
70$3,564,701$1,105,287$735,077$2,166,190
71$3,889,230$1,120,375$720,631$2,308,292
72$4,245,629$1,134,972$704,471$2,463,273
73$4,637,113$1,149,015$686,500$2,632,432
74$5,067,218$1,162,436$666,617$2,817,205
75$5,539,843$1,175,164$644,717$3,019,172
76$6,059,282$1,187,123$620,691$3,240,078
77$6,630,267$1,198,230$594,422$3,481,849
78$7,258,010$1,208,399$565,791$3,746,605
79$7,948,254$1,217,537$534,672$4,036,688
80$8,707,325$1,225,546$500,933$4,354,679
81$9,542,195$1,232,320$464,437$4,703,426
82$10,460,543$1,237,748$425,039$5,086,067
83$11,470,832$1,241,711$382,591$5,506,066
84$12,582,384$1,244,082$336,936$5,967,241
85$13,805,473$1,244,728$287,908$6,473,804
86$15,151,417$1,243,505$235,339$7,030,398
87$16,632,687$1,240,263$179,049$7,642,145
88$18,263,025$1,234,840$118,851$8,314,692
89$20,057,573$1,227,066$54,552$9,054,265
90$22,033,014$1,216,761$0$9,867,732
91$24,207,731$1,203,732$0$10,764,465
92$26,601,981$1,187,777$0$11,758,582
93$29,238,084$1,168,678$0$12,852,326
94$32,140,635$1,146,209$0$14,055,875
95$35,336,734$1,120,128$0$15,380,451
96$38,856,244$1,090,178$0$16,838,425
97$42,732,072$1,056,087$0$18,443,435
98$47,000,478$1,017,570$0$20,210,514
99$51,701,418$974,323$0$22,156,235
100$56,878,921$926,023$0$24,298,866