Can I retire at age 52 with 734,000?

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 $734,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$60,613$60,073$59,546$59,032$58,530$56,862
2 years$30,006$29,448$28,906$28,381$27,872$26,204
3 years$19,806$19,244$18,704$18,184$17,683$16,068
4 years$14,706$14,147$13,612$13,100$12,612$11,061
5 years$11,647$11,091$10,563$10,062$9,587$8,106
6 years$9,609$9,057$8,537$8,047$7,586$6,176
7 years$8,153$7,606$7,094$6,616$6,169$4,830
8 years$7,062$6,520$6,016$5,550$5,118$3,849
9 years$6,214$5,676$5,182$4,727$4,310$3,110
10 years$5,536$5,004$4,518$4,075$3,672$2,539
11 years$4,981$4,454$3,977$3,546$3,158$2,091
12 years$4,519$3,998$3,530$3,111$2,737$1,732
13 years$4,129$3,613$3,154$2,746$2,387$1,443
14 years$3,794$3,284$2,834$2,438$2,092$1,207
15 years$3,505$3,000$2,558$2,174$1,842$1,013
16 years$3,252$2,753$2,319$1,947$1,628$853
17 years$3,029$2,535$2,111$1,749$1,444$720
18 years$2,831$2,342$1,927$1,576$1,284$609
19 years$2,654$2,171$1,764$1,424$1,144$516
20 years$2,495$2,017$1,619$1,290$1,022$437
21 years$2,351$1,879$1,489$1,171$914$371
22 years$2,220$1,754$1,372$1,064$820$316
23 years$2,101$1,641$1,267$969$736$268
24 years$1,992$1,537$1,172$884$661$229
25 years$1,892$1,442$1,085$807$595$195
26 years$1,800$1,356$1,007$738$536$166
27 years$1,715$1,276$935$676$483$141
28 years$1,636$1,202$869$619$436$121
29 years$1,563$1,134$809$568$394$103
30 years$1,494$1,071$753$521$356$88
31 years$1,430$1,013$702$479$322$75
32 years$1,370$958$655$440$291$64
33 years$1,314$907$612$404$263$55
34 years$1,262$860$572$372$238$47
35 years$1,212$816$534$343$216$40
36 years$1,166$774$500$316$196$34
37 years$1,122$735$468$291$177$29
38 years$1,080$699$438$268$161$25
39 years$1,041$664$410$247$146$21
40 years$1,003$632$385$228$132$18
41 years$968$602$361$210$120$16
42 years$934$573$338$194$109$13
43 years$903$546$318$179$99$11
44 years$872$521$298$165$90$10
45 years$843$496$280$153$81$8
46 years$815$473$263$141$74$7
47 years$789$452$247$130$67$6
48 years$764$431$232$120$61$5
49 years$740$412$218$111$55$4
50 years$717$393$205$103$50$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $734,000, adding $6,825 every year, while hoping to spend $53,965 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: 64/28/8 Blend
51$734,000$734,000$734,000$734,000
52$815,908$777,006$765,629$866,393
53$841,712$757,661$733,859$881,548
54$868,340$735,559$699,216$891,120
55$895,818$710,509$661,548$900,180
56$924,174$682,307$620,692$908,675
57$953,438$650,738$576,483$916,548
58$983,639$615,574$528,746$923,741
59$1,014,808$576,576$477,297$930,188
60$1,046,978$533,487$421,946$935,822
61$1,080,183$486,041$362,494$940,573
62$1,114,456$433,951$298,732$944,362
63$1,149,833$376,918$230,443$947,111
64$1,186,353$314,624$157,400$948,733
65$1,224,055$246,734$79,365$949,138
66$1,262,977$172,893$0$948,230
67$1,303,163$92,726$0$946,241
68$1,344,655$5,840$0$949,982
69$1,387,500$0$0$952,580
70$1,431,744$0$0$981,110
71$1,477,436$0$0$1,012,433
72$1,524,629$0$0$1,044,785
73$1,573,374$0$0$1,078,203
74$1,623,729$0$0$1,112,726
75$1,675,750$0$0$1,148,393
76$1,729,500$0$0$1,185,247
77$1,785,041$0$0$1,223,331
78$1,842,439$0$0$1,262,691
79$1,901,765$0$0$1,303,375
80$1,963,091$0$0$1,345,433
81$2,026,494$0$0$1,388,918
82$2,092,054$0$0$1,433,886
83$2,159,855$0$0$1,480,394
84$2,229,985$0$0$1,528,504
85$2,302,538$0$0$1,578,281
86$2,377,612$0$0$1,629,791
87$2,455,311$0$0$1,683,107
88$2,535,743$0$0$1,738,303
89$2,619,024$0$0$1,795,461
90$2,705,275$0$0$1,854,665
91$2,794,626$0$0$1,916,003
92$2,887,213$0$0$1,979,571
93$2,983,182$0$0$2,045,469
94$3,082,686$0$0$2,113,804
95$3,185,888$0$0$2,184,689
96$3,292,964$0$0$2,258,246
97$3,404,098$0$0$2,334,604
98$3,519,487$0$0$2,413,900
99$3,639,344$0$0$2,496,280
100$3,763,894$0$0$2,581,903