Can I retire at age 52 with 738,000?

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 $738,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$60,943$60,400$59,871$59,354$58,849$56,784
2 years$30,170$29,608$29,064$28,536$28,023$25,964
3 years$19,914$19,349$18,806$18,283$17,779$15,791
4 years$14,786$14,224$13,686$13,172$12,680$10,778
5 years$11,711$11,152$10,621$10,117$9,639$7,828
6 years$9,661$9,106$8,583$8,091$7,627$5,909
7 years$8,198$7,647$7,133$6,652$6,203$4,577
8 years$7,100$6,555$6,049$5,580$5,146$3,611
9 years$6,248$5,707$5,210$4,753$4,334$2,887
10 years$5,566$5,031$4,542$4,097$3,693$2,332
11 years$5,008$4,479$3,999$3,566$3,176$1,899
12 years$4,544$4,020$3,549$3,128$2,752$1,556
13 years$4,151$3,633$3,171$2,761$2,400$1,281
14 years$3,815$3,302$2,849$2,451$2,104$1,059
15 years$3,524$3,016$2,572$2,186$1,852$879
16 years$3,270$2,768$2,332$1,957$1,637$731
17 years$3,045$2,549$2,122$1,759$1,451$609
18 years$2,846$2,355$1,937$1,585$1,291$508
19 years$2,668$2,183$1,773$1,432$1,150$425
20 years$2,508$2,028$1,628$1,297$1,027$356
21 years$2,364$1,889$1,497$1,177$919$298
22 years$2,232$1,764$1,380$1,070$824$250
23 years$2,113$1,649$1,274$975$740$210
24 years$2,003$1,545$1,178$889$665$176
25 years$1,903$1,450$1,091$812$598$148
26 years$1,810$1,363$1,012$742$539$125
27 years$1,724$1,283$940$679$486$105
28 years$1,645$1,209$874$623$438$88
29 years$1,571$1,140$813$571$396$74
30 years$1,502$1,077$757$524$358$62
31 years$1,438$1,018$706$481$323$53
32 years$1,378$963$659$442$293$44
33 years$1,322$912$615$407$265$37
34 years$1,269$865$575$374$240$31
35 years$1,219$820$537$344$217$26
36 years$1,172$778$503$317$197$22
37 years$1,128$739$470$292$178$19
38 years$1,086$703$441$269$162$16
39 years$1,046$668$413$248$147$13
40 years$1,009$636$387$229$133$11
41 years$973$605$363$211$121$9
42 years$940$576$340$195$109$8
43 years$907$549$319$180$99$7
44 years$877$523$300$166$90$6
45 years$848$499$281$154$82$5
46 years$820$476$264$142$74$4
47 years$793$454$248$131$67$3
48 years$768$434$233$121$61$3
49 years$744$414$219$112$56$2
50 years$721$396$206$103$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $738,000, adding $6,671 every year, while hoping to spend $44,489 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: 77/6/17 Blend
51$738,000$738,000$738,000$738,000
52$820,157$781,043$769,604$879,711
53$856,477$771,978$748,050$910,899
54$895,011$760,978$724,283$938,858
55$935,937$747,901$698,181$968,310
56$979,451$732,597$669,618$999,390
57$1,025,767$714,906$638,463$1,032,247
58$1,075,119$694,660$604,575$1,067,043
59$1,127,764$671,681$567,811$1,103,960
60$1,183,982$645,780$528,019$1,143,199
61$1,244,083$616,757$485,042$1,184,981
62$1,308,402$584,402$438,714$1,229,549
63$1,377,311$548,489$388,863$1,277,174
64$1,451,215$508,784$335,308$1,328,153
65$1,530,561$465,036$277,863$1,382,817
66$1,615,836$416,980$216,329$1,441,530
67$1,707,577$364,339$150,502$1,504,692
68$1,806,375$306,816$80,169$1,572,749
69$1,912,876$244,100$5,105$1,646,190
70$2,027,790$175,862$0$1,725,557
71$2,151,899$101,754$0$1,825,054
72$2,286,062$21,410$0$1,933,609
73$2,431,222$0$0$2,051,071
74$2,588,415$0$0$2,182,622
75$2,758,782$0$0$2,326,752
76$2,943,576$0$0$2,483,111
77$3,144,177$0$0$2,652,867
78$3,362,099$0$0$2,837,308
79$3,599,013$0$0$3,037,848
80$3,856,752$0$0$3,256,044
81$4,137,335$0$0$3,493,609
82$4,442,984$0$0$3,752,426
83$4,776,145$0$0$4,034,571
84$5,139,507$0$0$4,342,326
85$5,536,032$0$0$4,678,202
86$5,968,980$0$0$5,044,967
87$6,441,939$0$0$5,445,663
88$6,958,860$0$0$5,883,643
89$7,524,092$0$0$6,362,596
90$8,142,424$0$0$6,886,586
91$8,819,128$0$0$7,460,085
92$9,560,010$0$0$8,088,019
93$10,371,464$0$0$8,775,813
94$11,260,532$0$0$9,529,442
95$12,234,966$0$0$10,355,483
96$13,303,307$0$0$11,261,182
97$14,474,960$0$0$12,254,520
98$15,760,286$0$0$13,344,286
99$17,170,695$0$0$14,540,162
100$18,718,755$0$0$15,852,813