Can I retire at age 52 with 735,000?

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 $735,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$60,696$60,155$59,627$59,113$58,610$57,170
2 years$30,047$29,488$28,945$28,420$27,909$26,468
3 years$19,833$19,271$18,730$18,209$17,707$16,308
4 years$14,726$14,166$13,630$13,118$12,629$11,284
5 years$11,663$11,106$10,578$10,076$9,600$8,313
6 years$9,622$9,069$8,548$8,058$7,596$6,368
7 years$8,164$7,616$7,104$6,625$6,178$5,009
8 years$7,072$6,528$6,025$5,557$5,125$4,015
9 years$6,222$5,684$5,189$4,734$4,316$3,263
10 years$5,543$5,010$4,524$4,081$3,678$2,681
11 years$4,988$4,460$3,983$3,551$3,163$2,222
12 years$4,525$4,003$3,535$3,115$2,741$1,853
13 years$4,134$3,618$3,158$2,750$2,390$1,554
14 years$3,800$3,289$2,837$2,441$2,095$1,309
15 years$3,510$3,004$2,562$2,177$1,845$1,107
16 years$3,256$2,756$2,323$1,949$1,630$938
17 years$3,033$2,538$2,113$1,751$1,446$798
18 years$2,835$2,346$1,929$1,578$1,285$679
19 years$2,657$2,174$1,766$1,426$1,146$580
20 years$2,498$2,020$1,621$1,292$1,023$495
21 years$2,354$1,882$1,491$1,172$916$424
22 years$2,223$1,756$1,374$1,066$821$363
23 years$2,104$1,643$1,269$971$737$311
24 years$1,995$1,539$1,173$885$662$267
25 years$1,895$1,444$1,087$809$596$229
26 years$1,803$1,358$1,008$739$537$197
27 years$1,717$1,278$936$677$484$169
28 years$1,638$1,204$870$620$437$146
29 years$1,565$1,136$810$569$394$125
30 years$1,496$1,073$754$522$356$108
31 years$1,432$1,014$703$479$322$93
32 years$1,372$959$656$440$291$80
33 years$1,316$909$613$405$264$69
34 years$1,264$861$572$373$239$59
35 years$1,214$817$535$343$216$51
36 years$1,167$775$501$316$196$44
37 years$1,123$736$469$291$178$38
38 years$1,082$700$439$268$161$33
39 years$1,042$665$411$247$146$28
40 years$1,005$633$385$228$132$24
41 years$969$603$361$211$120$21
42 years$936$574$339$194$109$18
43 years$904$547$318$179$99$15
44 years$873$521$298$166$90$13
45 years$844$497$280$153$82$12
46 years$817$474$263$141$74$10
47 years$790$452$247$131$67$9
48 years$765$432$232$121$61$7
49 years$741$412$218$111$55$6
50 years$718$394$205$103$50$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $735,000, adding $3,112 every year, while hoping to spend $57,664 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: 50/40/10 Blend
51$735,000$735,000$735,000$735,000
52$813,180$774,225$762,833$851,528
53$834,770$750,808$727,033$854,674
54$856,630$724,311$688,102$851,720
55$878,726$694,522$645,873$847,178
56$901,020$661,217$600,174$840,916
57$923,466$624,159$550,822$832,791
58$946,014$583,097$497,629$822,649
59$968,605$537,766$440,397$810,328
60$991,173$487,887$378,920$795,652
61$1,013,641$433,161$312,982$778,432
62$1,035,923$373,278$242,359$758,467
63$1,057,924$307,905$166,814$735,540
64$1,079,534$236,694$86,104$709,420
65$1,100,629$159,274$0$679,858
66$1,121,072$75,258$0$646,589
67$1,140,707$0$0$619,129
68$1,159,362$0$0$594,943
69$1,176,843$0$0$603,193
70$1,192,932$0$0$610,632
71$1,207,387$0$0$617,127
72$1,219,940$0$0$622,527
73$1,230,289$0$0$626,665
74$1,238,100$0$0$629,356
75$1,243,001$0$0$630,392
76$1,244,578$0$0$629,544
77$1,242,372$0$0$626,557
78$1,235,873$0$0$621,149
79$1,224,514$0$0$613,006
80$1,207,667$0$0$601,781
81$1,184,638$0$0$587,087
82$1,154,654$0$0$568,497
83$1,116,861$0$0$545,540
84$1,070,312$0$0$517,692
85$1,013,961$0$0$484,372
86$946,648$0$0$444,942
87$867,090$0$0$398,691
88$773,871$0$0$344,836
89$665,420$0$0$282,510
90$540,005$0$0$210,756
91$395,709$0$0$128,515
92$230,414$0$0$34,618
93$41,781$0$0$0
94$0$0$0$0
95$0$0$0$0
96$0$0$0$0
97$0$0$0$0
98$0$0$0$0
99$0$0$0$0
100$0$0$0$0