Can I retire at age 52 with 743,000?

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 $743,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$61,356$60,810$60,277$59,756$59,248$57,237
2 years$30,374$29,809$29,260$28,729$28,213$26,207
3 years$20,048$19,480$18,933$18,407$17,900$15,962
4 years$14,886$14,320$13,779$13,261$12,766$10,911
5 years$11,790$11,227$10,693$10,186$9,705$7,938
6 years$9,727$9,168$8,641$8,146$7,679$6,001
7 years$8,253$7,699$7,181$6,697$6,245$4,656
8 years$7,149$6,600$6,090$5,618$5,181$3,680
9 years$6,290$5,746$5,245$4,785$4,363$2,948
10 years$5,603$5,065$4,573$4,125$3,718$2,386
11 years$5,042$4,509$4,026$3,590$3,197$1,947
12 years$4,575$4,047$3,573$3,149$2,771$1,598
13 years$4,179$3,657$3,192$2,780$2,416$1,319
14 years$3,841$3,324$2,868$2,468$2,118$1,093
15 years$3,548$3,037$2,590$2,201$1,865$908
16 years$3,292$2,786$2,348$1,971$1,648$757
17 years$3,066$2,566$2,136$1,771$1,461$632
18 years$2,865$2,371$1,950$1,596$1,299$529
19 years$2,686$2,198$1,785$1,442$1,158$443
20 years$2,525$2,042$1,639$1,306$1,034$372
21 years$2,380$1,902$1,507$1,185$926$312
22 years$2,248$1,776$1,389$1,078$830$263
23 years$2,127$1,661$1,283$981$745$221
24 years$2,017$1,556$1,186$895$669$186
25 years$1,916$1,460$1,099$817$602$157
26 years$1,822$1,372$1,019$747$543$132
27 years$1,736$1,292$946$684$489$111
28 years$1,656$1,217$880$627$441$94
29 years$1,582$1,148$819$575$399$79
30 years$1,512$1,084$762$527$360$67
31 years$1,448$1,025$711$484$326$56
32 years$1,387$970$663$445$295$48
33 years$1,331$918$619$409$267$40
34 years$1,277$870$579$377$241$34
35 years$1,227$826$541$347$219$29
36 years$1,180$784$506$319$198$24
37 years$1,136$744$474$294$180$20
38 years$1,093$707$444$271$163$17
39 years$1,054$673$416$250$148$15
40 years$1,016$640$389$231$134$12
41 years$980$609$365$213$121$10
42 years$946$580$343$196$110$9
43 years$914$553$321$181$100$7
44 years$883$527$302$167$91$6
45 years$853$502$283$155$82$5
46 years$825$479$266$143$75$4
47 years$799$457$250$132$68$4
48 years$773$437$235$122$62$3
49 years$749$417$221$113$56$3
50 years$725$398$208$104$51$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $743,000, adding $5,688 every year, while hoping to spend $51,423 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: 62/33/5 Blend
51$743,000$743,000$743,000$743,000
52$824,653$785,274$773,758$874,783
53$854,054$769,039$744,965$892,675
54$884,730$750,285$713,484$905,655
55$916,758$728,834$679,171$918,483
56$950,219$704,498$641,874$931,141
57$985,201$677,078$601,437$943,614
58$1,021,800$646,364$557,694$955,886
59$1,060,120$612,131$510,473$967,940
60$1,100,272$574,146$459,593$979,764
61$1,142,378$532,158$404,869$991,343
62$1,186,571$485,903$346,102$1,002,668
63$1,232,993$435,104$283,088$1,013,728
64$1,281,799$379,466$215,612$1,024,518
65$1,333,160$318,677$143,452$1,035,034
66$1,387,259$252,408$66,375$1,045,276
67$1,444,296$180,314$0$1,055,249
68$1,504,491$102,026$0$1,065,809
69$1,568,082$17,157$0$1,079,959
70$1,635,328$0$0$1,094,188
71$1,706,513$0$0$1,135,669
72$1,781,946$0$0$1,186,255
73$1,861,967$0$0$1,239,944
74$1,946,946$0$0$1,296,990
75$2,037,287$0$0$1,357,667
76$2,133,432$0$0$1,422,278
77$2,235,868$0$0$1,491,151
78$2,345,123$0$0$1,564,650
79$2,461,781$0$0$1,643,170
80$2,586,477$0$0$1,727,145
81$2,719,911$0$0$1,817,051
82$2,862,848$0$0$1,913,410
83$3,016,127$0$0$2,016,794
84$3,180,671$0$0$2,127,833
85$3,357,491$0$0$2,247,216
86$3,547,697$0$0$2,375,700
87$3,752,508$0$0$2,514,115
88$3,973,263$0$0$2,663,376
89$4,211,431$0$0$2,824,486
90$4,468,629$0$0$2,998,546
91$4,746,631$0$0$3,186,769
92$5,047,389$0$0$3,390,484
93$5,373,047$0$0$3,611,157
94$5,725,963$0$0$3,850,396
95$6,108,729$0$0$4,109,970
96$6,524,198$0$0$4,391,827
97$6,975,504$0$0$4,698,106
98$7,466,098$0$0$5,031,162
99$7,999,773$0$0$5,393,586
100$8,580,706$0$0$5,788,229