Can I retire at age 52 with 748,000?

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 $748,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$61,769$61,219$60,682$60,158$59,647$58,562
2 years$30,579$30,009$29,457$28,922$28,403$27,314
3 years$20,183$19,611$19,061$18,531$18,020$16,961
4 years$14,987$14,416$13,871$13,350$12,852$11,831
5 years$11,869$11,303$10,765$10,254$9,770$8,790
6 years$9,792$9,229$8,700$8,200$7,731$6,792
7 years$8,309$7,751$7,229$6,742$6,287$5,391
8 years$7,197$6,644$6,131$5,656$5,216$4,361
9 years$6,332$5,785$5,281$4,817$4,392$3,579
10 years$5,641$5,099$4,604$4,153$3,743$2,970
11 years$5,076$4,539$4,053$3,614$3,219$2,486
12 years$4,605$4,074$3,597$3,170$2,789$2,095
13 years$4,208$3,682$3,214$2,799$2,432$1,776
14 years$3,867$3,347$2,888$2,484$2,132$1,512
15 years$3,572$3,057$2,607$2,216$1,877$1,293
16 years$3,314$2,805$2,364$1,984$1,659$1,109
17 years$3,087$2,583$2,151$1,782$1,471$953
18 years$2,885$2,387$1,963$1,606$1,308$822
19 years$2,704$2,212$1,797$1,451$1,166$710
20 years$2,542$2,056$1,650$1,315$1,041$614
21 years$2,396$1,915$1,517$1,193$932$532
22 years$2,263$1,788$1,398$1,085$835$461
23 years$2,141$1,672$1,291$988$750$400
24 years$2,030$1,566$1,194$901$674$348
25 years$1,928$1,470$1,106$823$606$302
26 years$1,834$1,382$1,026$752$546$263
27 years$1,748$1,300$953$689$493$229
28 years$1,667$1,225$886$631$444$200
29 years$1,592$1,156$824$579$401$174
30 years$1,523$1,092$768$531$363$152
31 years$1,458$1,032$716$488$328$132
32 years$1,397$976$668$448$297$115
33 years$1,340$925$623$412$268$101
34 years$1,286$876$582$379$243$88
35 years$1,236$831$545$349$220$77
36 years$1,188$789$509$322$199$67
37 years$1,143$749$477$296$181$59
38 years$1,101$712$447$273$164$51
39 years$1,061$677$418$252$149$45
40 years$1,023$644$392$232$135$39
41 years$987$613$368$214$122$34
42 years$952$584$345$198$111$30
43 years$920$556$324$183$101$26
44 years$889$530$304$169$91$23
45 years$859$506$285$156$83$20
46 years$831$483$268$144$75$17
47 years$804$460$252$133$68$15
48 years$778$440$237$123$62$13
49 years$754$420$222$113$56$12
50 years$730$401$209$105$51$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $748,000, adding $2,812 every year, while hoping to spend $55,399 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: 72/19/9 Blend
51$748,000$748,000$748,000$748,000
52$827,197$787,553$775,959$885,225
53$852,627$767,199$743,009$903,585
54$878,794$743,990$707,099$916,540
55$905,714$717,730$668,071$929,200
56$933,406$688,207$625,760$941,521
57$961,884$655,200$579,993$953,456
58$991,164$618,473$530,591$964,954
59$1,021,264$577,779$477,367$975,960
60$1,052,196$532,854$420,122$986,417
61$1,083,977$483,421$358,653$996,261
62$1,116,621$429,186$292,746$1,005,425
63$1,150,139$369,839$222,176$1,013,838
64$1,184,544$305,052$146,709$1,021,421
65$1,219,847$234,478$66,103$1,028,092
66$1,256,056$157,753$0$1,033,762
67$1,293,181$74,490$0$1,040,248
68$1,331,225$0$0$1,052,434
69$1,370,194$0$0$1,067,169
70$1,410,088$0$0$1,098,192
71$1,450,905$0$0$1,129,928
72$1,492,641$0$0$1,162,373
73$1,535,287$0$0$1,195,518
74$1,578,830$0$0$1,229,354
75$1,623,253$0$0$1,263,866
76$1,668,534$0$0$1,299,035
77$1,714,645$0$0$1,334,838
78$1,761,550$0$0$1,371,247
79$1,809,208$0$0$1,408,228
80$1,857,568$0$0$1,445,740
81$1,906,572$0$0$1,483,735
82$1,956,149$0$0$1,522,157
83$2,006,218$0$0$1,560,942
84$2,056,687$0$0$1,600,014
85$2,107,448$0$0$1,639,286
86$2,158,377$0$0$1,678,660
87$2,209,334$0$0$1,718,024
88$2,260,158$0$0$1,757,250
89$2,310,670$0$0$1,796,192
90$2,360,662$0$0$1,834,687
91$2,409,905$0$0$1,872,549
92$2,458,136$0$0$1,909,572
93$2,505,063$0$0$1,945,520
94$2,550,357$0$0$1,980,132
95$2,593,650$0$0$2,013,114
96$2,634,527$0$0$2,044,137
97$2,672,528$0$0$2,072,833
98$2,707,137$0$0$2,098,792
99$2,737,780$0$0$2,121,557
100$2,763,816$0$0$2,140,617