Can I retire at age 52 with 749,000?

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 $749,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$61,852$61,301$60,763$60,239$59,726$57,977
2 years$30,620$30,049$29,497$28,961$28,441$26,693
3 years$20,210$19,638$19,086$18,556$18,044$16,352
4 years$15,007$14,436$13,890$13,368$12,869$11,246
5 years$11,885$11,318$10,779$10,268$9,783$8,233
6 years$9,805$9,242$8,711$8,211$7,741$6,265
7 years$8,320$7,761$7,239$6,751$6,295$4,895
8 years$7,206$6,653$6,139$5,663$5,223$3,896
9 years$6,341$5,792$5,288$4,824$4,398$3,144
10 years$5,649$5,106$4,610$4,158$3,748$2,564
11 years$5,083$4,545$4,059$3,619$3,223$2,108
12 years$4,612$4,080$3,602$3,174$2,793$1,744
13 years$4,213$3,687$3,218$2,802$2,436$1,451
14 years$3,872$3,351$2,891$2,488$2,135$1,212
15 years$3,577$3,061$2,611$2,219$1,880$1,016
16 years$3,318$2,809$2,367$1,986$1,661$854
17 years$3,091$2,587$2,154$1,785$1,473$720
18 years$2,889$2,390$1,966$1,608$1,310$608
19 years$2,708$2,215$1,800$1,453$1,167$514
20 years$2,546$2,059$1,652$1,316$1,043$435
21 years$2,399$1,917$1,519$1,195$933$369
22 years$2,266$1,790$1,400$1,086$836$313
23 years$2,144$1,674$1,293$989$751$266
24 years$2,033$1,568$1,196$902$675$226
25 years$1,931$1,472$1,108$824$607$192
26 years$1,837$1,383$1,027$753$547$164
27 years$1,750$1,302$954$690$493$139
28 years$1,669$1,227$887$632$445$119
29 years$1,594$1,157$825$579$402$101
30 years$1,525$1,093$769$532$363$86
31 years$1,459$1,033$717$488$328$73
32 years$1,399$978$669$449$297$62
33 years$1,341$926$624$413$269$53
34 years$1,288$878$583$380$243$45
35 years$1,237$832$545$350$220$39
36 years$1,190$790$510$322$200$33
37 years$1,145$750$477$297$181$28
38 years$1,102$713$447$273$164$24
39 years$1,062$678$419$252$149$20
40 years$1,024$645$393$233$135$17
41 years$988$614$368$215$122$15
42 years$954$585$345$198$111$13
43 years$921$557$324$183$101$11
44 years$890$531$304$169$92$9
45 years$860$506$286$156$83$8
46 years$832$483$268$144$75$7
47 years$805$461$252$133$68$6
48 years$779$440$237$123$62$5
49 years$755$420$223$114$56$4
50 years$731$402$209$105$51$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $749,000, adding $2,438 every year, while hoping to spend $36,401 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: 22/48/30 Blend
51$749,000$749,000$749,000$749,000
52$827,913$788,216$776,606$838,248
53$873,630$788,108$763,892$847,645
54$922,789$786,775$749,532$854,508
55$975,705$784,118$733,433$861,078
56$1,032,720$780,033$715,496$867,355
57$1,094,212$774,409$695,619$873,343
58$1,160,594$767,128$673,695$879,051
59$1,232,323$758,065$649,612$884,491
60$1,309,899$747,089$623,253$889,681
61$1,393,872$734,060$594,495$894,647
62$1,484,846$718,828$563,210$899,421
63$1,583,487$701,237$529,264$904,044
64$1,690,525$681,121$492,518$908,565
65$1,806,766$658,303$452,824$913,046
66$1,933,093$632,596$410,030$917,560
67$2,070,479$603,805$363,978$922,195
68$2,219,996$571,719$314,498$927,052
69$2,382,821$536,118$261,419$932,253
70$2,560,249$496,769$204,558$937,938
71$2,753,709$453,425$143,725$944,270
72$2,964,769$405,824$78,721$951,438
73$3,195,159$353,693$9,341$959,656
74$3,446,779$296,738$0$969,172
75$3,721,725$234,652$0$1,000,981
76$4,022,301$167,111$0$1,039,231
77$4,351,047$93,770$0$1,081,371
78$4,710,756$14,267$0$1,127,895
79$5,104,507$0$0$1,179,357
80$5,535,687$0$0$1,274,286
81$6,008,030$0$0$1,386,666
82$6,525,644$0$0$1,509,954
83$7,093,056$0$0$1,645,245
84$7,715,250$0$0$1,793,746
85$8,397,717$0$0$1,956,787
86$9,146,505$0$0$2,135,829
87$9,968,274$0$0$2,332,487
88$10,870,361$0$0$2,548,536
89$11,860,849$0$0$2,785,933
90$12,948,641$0$0$3,046,835
91$14,143,544$0$0$3,333,615
92$15,456,362$0$0$3,648,892
93$16,898,998$0$0$3,995,546
94$18,484,566$0$0$4,376,756
95$20,227,509$0$0$4,796,019
96$22,143,745$0$0$5,257,191
97$24,250,808$0$0$5,764,520
98$26,568,015$0$0$6,322,686
99$29,116,652$0$0$6,936,846
100$31,920,169$0$0$7,612,682