Can I retire at age 52 with 733,000?

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 $733,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$60,530$59,991$59,465$58,952$58,450$56,557
2 years$29,966$29,407$28,867$28,342$27,834$25,943
3 years$19,779$19,218$18,679$18,159$17,659$15,832
4 years$14,686$14,127$13,593$13,083$12,594$10,844
5 years$11,631$11,076$10,549$10,049$9,574$7,905
6 years$9,596$9,044$8,525$8,036$7,576$5,990
7 years$8,142$7,595$7,084$6,607$6,161$4,658
8 years$7,052$6,511$6,008$5,542$5,111$3,690
9 years$6,205$5,669$5,175$4,721$4,304$2,963
10 years$5,528$4,997$4,512$4,069$3,667$2,404
11 years$4,974$4,448$3,972$3,542$3,154$1,967
12 years$4,513$3,993$3,525$3,106$2,733$1,619
13 years$4,123$3,608$3,149$2,743$2,384$1,340
14 years$3,789$3,280$2,830$2,435$2,089$1,113
15 years$3,500$2,996$2,555$2,171$1,840$928
16 years$3,247$2,749$2,316$1,944$1,626$775
17 years$3,025$2,532$2,108$1,747$1,442$650
18 years$2,827$2,339$1,924$1,574$1,282$545
19 years$2,650$2,168$1,761$1,422$1,143$458
20 years$2,491$2,015$1,617$1,288$1,021$386
21 years$2,348$1,877$1,487$1,169$913$325
22 years$2,217$1,752$1,370$1,063$819$274
23 years$2,098$1,638$1,265$968$735$231
24 years$1,990$1,535$1,170$883$660$195
25 years$1,890$1,441$1,084$806$594$165
26 years$1,798$1,354$1,005$737$535$140
27 years$1,713$1,274$933$675$483$118
28 years$1,634$1,201$868$618$436$100
29 years$1,560$1,133$808$567$393$84
30 years$1,492$1,070$752$520$355$72
31 years$1,428$1,011$701$478$321$61
32 years$1,369$957$654$439$291$51
33 years$1,313$906$611$404$263$43
34 years$1,260$859$571$372$238$37
35 years$1,211$815$534$342$216$31
36 years$1,164$773$499$315$195$26
37 years$1,120$734$467$290$177$22
38 years$1,079$698$438$268$161$19
39 years$1,039$664$410$247$146$16
40 years$1,002$631$384$228$132$14
41 years$967$601$360$210$120$12
42 years$933$572$338$194$109$10
43 years$901$545$317$179$99$8
44 years$871$520$298$165$90$7
45 years$842$496$280$153$81$6
46 years$814$473$263$141$74$5
47 years$788$451$247$130$67$4
48 years$763$431$232$120$61$4
49 years$739$411$218$111$55$3
50 years$716$393$205$103$50$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $733,000, adding $3,898 every year, while hoping to spend $24,757 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: 74/5/21 Blend
51$733,000$733,000$733,000$733,000
52$811,787$772,938$761,576$867,484
53$868,248$784,470$760,748$916,531
54$929,638$795,739$759,062$966,889
55$996,434$806,703$756,464$1,021,444
56$1,069,161$817,322$752,895$1,080,609
57$1,148,395$827,550$748,297$1,144,838
58$1,234,771$837,340$742,605$1,214,635
59$1,328,989$846,641$735,754$1,290,551
60$1,431,818$855,398$727,673$1,373,196
61$1,544,105$863,554$718,291$1,463,242
62$1,666,781$871,046$707,532$1,561,430
63$1,800,873$877,807$695,315$1,668,576
64$1,947,511$883,769$681,557$1,785,580
65$2,107,939$888,856$666,171$1,913,432
66$2,283,527$892,988$649,066$2,053,228
67$2,475,784$896,081$630,146$2,206,170
68$2,686,369$898,044$609,311$2,373,588
69$2,917,113$898,783$586,458$2,556,946
70$3,170,030$898,194$561,475$2,757,858
71$3,447,338$896,171$534,250$2,978,102
72$3,751,482$892,599$504,663$3,219,640
73$4,085,153$887,356$472,589$3,484,633
74$4,451,316$880,314$437,898$3,775,463
75$4,853,235$871,335$400,453$4,094,758
76$5,294,509$860,274$360,112$4,445,412
77$5,779,100$846,978$316,726$4,830,616
78$6,311,372$831,283$270,140$5,253,888
79$6,896,134$813,018$220,192$5,719,104
80$7,538,683$792,000$166,712$6,230,538
81$8,244,855$768,035$109,523$6,792,902
82$9,021,080$740,918$48,442$7,411,386
83$9,874,440$710,432$0$8,091,715
84$10,812,738$676,349$0$8,843,947
85$11,844,573$638,426$0$9,683,113
86$12,979,417$596,406$0$10,606,055
87$14,227,705$550,018$0$11,621,272
88$15,600,938$498,975$0$12,738,123
89$17,111,783$442,974$0$13,966,925
90$18,774,200$381,695$0$15,319,045
91$20,603,569$314,800$0$16,807,005
92$22,616,838$241,930$0$18,444,607
93$24,832,680$162,708$0$20,247,059
94$27,271,668$76,735$0$22,231,117
95$29,956,473$0$0$24,415,246
96$32,912,076$0$0$26,820,696
97$36,166,002$0$0$29,473,627
98$39,748,581$0$0$32,394,549
99$43,693,233$0$0$35,610,715
100$48,036,783$0$0$39,152,156