Can I retire at age 52 with 732,000?

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 $732,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$60,448$59,909$59,384$58,871$58,371$57,641
2 years$29,925$29,367$28,827$28,304$27,796$27,062
3 years$19,752$19,192$18,653$18,134$17,635$16,919
4 years$14,666$14,108$13,575$13,065$12,577$11,885
5 years$11,616$11,061$10,535$10,035$9,561$8,895
6 years$9,583$9,032$8,513$8,025$7,565$6,926
7 years$8,131$7,585$7,075$6,598$6,153$5,540
8 years$7,043$6,502$6,000$5,535$5,104$4,518
9 years$6,197$5,661$5,168$4,714$4,298$3,739
10 years$5,520$4,990$4,505$4,064$3,662$3,129
11 years$4,967$4,442$3,966$3,537$3,150$2,642
12 years$4,507$3,987$3,520$3,102$2,730$2,247
13 years$4,118$3,603$3,145$2,739$2,380$1,922
14 years$3,784$3,275$2,826$2,431$2,087$1,652
15 years$3,495$2,992$2,551$2,168$1,837$1,426
16 years$3,243$2,745$2,313$1,941$1,624$1,235
17 years$3,021$2,528$2,105$1,744$1,440$1,073
18 years$2,823$2,336$1,921$1,572$1,280$934
19 years$2,647$2,165$1,759$1,420$1,141$815
20 years$2,488$2,012$1,614$1,286$1,019$712
21 years$2,344$1,874$1,485$1,168$912$623
22 years$2,214$1,749$1,369$1,062$817$546
23 years$2,096$1,636$1,264$967$734$480
24 years$1,987$1,533$1,169$882$660$421
25 years$1,887$1,439$1,082$805$594$370
26 years$1,795$1,352$1,004$736$535$326
27 years$1,710$1,272$932$674$482$287
28 years$1,631$1,199$867$617$435$253
29 years$1,558$1,131$806$566$393$223
30 years$1,490$1,068$751$520$355$197
31 years$1,426$1,010$700$477$321$173
32 years$1,367$955$653$439$290$153
33 years$1,311$905$610$403$263$135
34 years$1,258$858$570$371$238$119
35 years$1,209$813$533$342$215$105
36 years$1,163$772$499$315$195$93
37 years$1,119$733$467$290$177$82
38 years$1,077$697$437$267$160$73
39 years$1,038$663$409$246$145$64
40 years$1,001$630$384$227$132$57
41 years$965$600$360$210$120$50
42 years$932$572$338$194$109$44
43 years$900$545$317$179$99$39
44 years$870$519$297$165$89$35
45 years$841$495$279$152$81$31
46 years$813$472$262$141$74$27
47 years$787$451$246$130$67$24
48 years$762$430$231$120$61$21
49 years$738$411$218$111$55$19
50 years$715$392$205$103$50$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $732,000, adding $5,366 every year, while hoping to spend $26,438 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: 59/22/19 Blend
51$732,000$732,000$732,000$732,000
52$812,199$773,403$762,057$855,775
53$866,914$783,170$759,456$895,696
54$926,323$792,529$755,882$935,849
55$990,878$801,433$751,274$979,042
56$1,061,075$809,831$745,569$1,025,573
57$1,137,459$817,667$738,700$1,075,772
58$1,220,631$824,885$730,599$1,130,001
59$1,311,253$831,421$721,191$1,188,662
60$1,410,050$837,210$710,400$1,252,198
61$1,517,824$842,182$698,147$1,321,097
62$1,635,455$846,262$684,348$1,395,898
63$1,763,913$849,371$668,916$1,477,197
64$1,904,266$851,424$651,758$1,565,649
65$2,057,688$852,330$632,779$1,661,980
66$2,225,474$851,996$611,878$1,766,989
67$2,409,047$850,319$588,951$1,881,558
68$2,609,978$847,192$563,889$2,006,662
69$2,829,992$842,501$536,576$2,143,374
70$3,070,992$836,125$506,892$2,292,880
71$3,335,073$827,935$474,713$2,456,487
72$3,624,542$817,795$439,907$2,635,639
73$3,941,939$805,561$402,338$2,831,927
74$4,290,064$791,080$361,862$3,047,108
75$4,671,997$774,189$318,332$3,283,119
76$5,091,134$754,718$271,589$3,542,097
77$5,551,215$732,485$221,473$3,826,400
78$6,056,360$707,297$167,813$4,138,629
79$6,611,104$678,951$110,430$4,481,653
80$7,220,449$647,231$49,141$4,858,634
81$7,889,899$611,909$0$5,273,064
82$8,625,521$572,746$0$5,732,088
83$9,433,999$529,485$0$6,247,501
84$10,322,695$481,858$0$6,814,055
85$11,299,720$429,579$0$7,436,956
86$12,374,011$372,348$0$8,121,947
87$13,555,414$309,847$0$8,875,354
88$14,854,777$241,740$0$9,704,153
89$16,284,051$167,672$0$10,616,033
90$17,856,405$87,269$0$11,619,468
91$19,586,348$134$0$12,723,801
92$21,489,865$0$0$13,939,328
93$23,584,570$0$0$15,300,192
94$25,889,873$0$0$16,797,982
95$28,427,155$0$0$18,446,567
96$31,219,981$0$0$20,261,266
97$34,294,312$0$0$22,258,958
98$37,678,757$0$0$24,458,244
99$41,404,838$0$0$26,879,615
100$45,507,288$0$0$29,545,656