Can I retire at age 52 with 741,000?

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 $741,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$61,191$60,646$60,114$59,595$59,088$57,990
2 years$30,293$29,728$29,182$28,652$28,137$27,035
3 years$19,994$19,428$18,882$18,357$17,851$16,779
4 years$14,846$14,282$13,742$13,225$12,732$11,698
5 years$11,758$11,197$10,664$10,158$9,679$8,686
6 years$9,700$9,143$8,618$8,124$7,658$6,709
7 years$8,231$7,678$7,162$6,679$6,228$5,322
8 years$7,129$6,582$6,074$5,603$5,167$4,303
9 years$6,273$5,731$5,231$4,772$4,351$3,529
10 years$5,588$5,051$4,561$4,114$3,708$2,927
11 years$5,029$4,497$4,015$3,580$3,189$2,448
12 years$4,562$4,036$3,563$3,140$2,763$2,062
13 years$4,168$3,647$3,184$2,772$2,410$1,747
14 years$3,831$3,315$2,861$2,461$2,112$1,486
15 years$3,538$3,029$2,583$2,195$1,860$1,270
16 years$3,283$2,779$2,342$1,965$1,644$1,088
17 years$3,058$2,559$2,131$1,766$1,457$935
18 years$2,858$2,365$1,945$1,591$1,296$805
19 years$2,679$2,192$1,781$1,438$1,155$695
20 years$2,518$2,037$1,634$1,302$1,032$601
21 years$2,373$1,897$1,503$1,182$923$520
22 years$2,242$1,771$1,385$1,075$828$450
23 years$2,121$1,656$1,279$979$743$391
24 years$2,011$1,552$1,183$893$668$339
25 years$1,910$1,456$1,096$815$601$295
26 years$1,817$1,369$1,016$745$541$256
27 years$1,731$1,288$944$682$488$223
28 years$1,652$1,214$877$625$440$194
29 years$1,577$1,145$816$573$398$169
30 years$1,508$1,081$760$526$359$147
31 years$1,444$1,022$709$483$325$128
32 years$1,384$967$661$444$294$112
33 years$1,327$916$618$408$266$98
34 years$1,274$868$577$376$241$85
35 years$1,224$823$539$346$218$74
36 years$1,177$782$505$319$198$65
37 years$1,132$742$472$293$179$56
38 years$1,090$705$442$270$162$49
39 years$1,051$671$414$249$147$43
40 years$1,013$638$388$230$134$38
41 years$977$608$364$212$121$33
42 years$943$579$342$196$110$29
43 years$911$551$321$181$100$25
44 years$880$525$301$167$91$22
45 years$851$501$283$154$82$19
46 years$823$478$265$142$75$17
47 years$797$456$249$132$68$15
48 years$771$435$234$122$62$13
49 years$747$416$220$112$56$11
50 years$723$397$207$104$51$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $741,000, adding $6,643 every year, while hoping to spend $30,324 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: 67/14/19 Blend
51$741,000$741,000$741,000$741,000
52$823,434$784,161$772,676$874,304
53$875,160$790,321$766,296$915,338
54$931,146$795,766$758,686$956,062
55$991,793$800,429$749,773$999,861
56$1,057,546$804,239$739,480$1,047,035
57$1,128,889$807,121$727,726$1,097,917
58$1,206,359$808,993$714,428$1,152,874
59$1,290,545$809,771$699,498$1,212,311
60$1,382,093$809,362$682,844$1,276,674
61$1,481,716$807,670$664,369$1,346,456
62$1,590,198$804,593$643,973$1,422,202
63$1,708,402$800,022$621,549$1,504,512
64$1,837,276$793,841$596,989$1,594,047
65$1,977,867$785,927$570,176$1,691,540
66$2,131,323$776,151$540,991$1,797,797
67$2,298,910$764,375$509,306$1,913,706
68$2,482,023$750,453$474,992$2,040,251
69$2,682,194$734,231$437,909$2,178,513
70$2,901,114$715,544$397,915$2,329,689
71$3,140,642$694,220$354,859$2,495,096
72$3,402,825$670,074$308,585$2,676,188
73$3,689,919$642,914$258,928$2,874,571
74$4,004,407$612,532$205,718$3,092,014
75$4,349,023$578,713$148,777$3,330,468
76$4,726,779$541,226$87,916$3,592,089
77$5,140,992$499,828$22,943$3,879,250
78$5,595,316$454,261$0$4,194,572
79$6,093,773$404,256$0$4,550,350
80$6,640,797$349,523$0$4,945,940
81$7,241,270$289,761$0$5,380,247
82$7,900,569$224,649$0$5,857,193
83$8,624,617$153,847$0$6,381,102
84$9,419,942$77,000$0$6,956,741
85$10,293,732$0$0$7,589,360
86$11,253,906$0$0$8,285,716
87$12,309,190$0$0$9,064,134
88$13,469,196$0$0$9,919,849
89$14,744,513$0$0$10,860,679
90$16,146,808$0$0$11,895,238
91$17,688,936$0$0$13,033,014
92$19,385,057$0$0$14,284,465
93$21,250,777$0$0$15,661,109
94$23,303,286$0$0$17,175,639
95$25,561,526$0$0$18,842,039
96$28,046,367$0$0$20,675,719
97$30,780,806$0$0$22,693,655
98$33,790,180$0$0$24,914,555
99$37,102,406$0$0$27,359,030
100$40,748,246$0$0$30,049,793