Can I retire at age 52 with 750,000?

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 $750,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$61,934$61,383$60,844$60,319$59,806$59,083
2 years$30,661$30,090$29,536$29,000$28,479$27,752
3 years$20,237$19,664$19,112$18,580$18,068$17,359
4 years$15,027$14,455$13,909$13,386$12,886$12,200
5 years$11,901$11,333$10,794$10,282$9,796$9,136
6 years$9,818$9,254$8,723$8,222$7,751$7,117
7 years$8,331$7,772$7,249$6,760$6,304$5,696
8 years$7,216$6,662$6,147$5,671$5,230$4,648
9 years$6,349$5,800$5,295$4,830$4,404$3,849
10 years$5,656$5,113$4,616$4,164$3,753$3,223
11 years$5,090$4,551$4,064$3,624$3,227$2,723
12 years$4,618$4,085$3,607$3,179$2,797$2,318
13 years$4,219$3,692$3,222$2,806$2,439$1,984
14 years$3,877$3,356$2,895$2,491$2,138$1,706
15 years$3,581$3,066$2,614$2,222$1,882$1,474
16 years$3,323$2,813$2,370$1,989$1,664$1,277
17 years$3,095$2,590$2,157$1,787$1,475$1,110
18 years$2,892$2,394$1,969$1,611$1,312$967
19 years$2,712$2,218$1,802$1,455$1,169$844
20 years$2,549$2,061$1,654$1,318$1,044$738
21 years$2,402$1,920$1,521$1,196$934$647
22 years$2,269$1,792$1,402$1,088$838$568
23 years$2,147$1,676$1,295$991$752$498
24 years$2,036$1,571$1,197$903$676$438
25 years$1,934$1,474$1,109$825$608$386
26 years$1,839$1,385$1,029$754$548$340
27 years$1,752$1,304$955$691$494$299
28 years$1,672$1,228$888$633$446$264
29 years$1,597$1,159$826$580$402$233
30 years$1,527$1,094$770$532$364$205
31 years$1,461$1,035$717$489$329$181
32 years$1,400$979$669$449$297$160
33 years$1,343$927$625$413$269$142
34 years$1,289$879$584$380$244$125
35 years$1,239$833$546$350$221$111
36 years$1,191$791$511$322$200$98
37 years$1,146$751$478$297$181$87
38 years$1,104$714$448$274$164$77
39 years$1,063$679$419$252$149$68
40 years$1,025$646$393$233$135$60
41 years$989$615$369$215$123$53
42 years$955$586$346$198$111$47
43 years$922$558$324$183$101$42
44 years$891$532$305$169$92$37
45 years$861$507$286$156$83$33
46 years$833$484$269$144$76$29
47 years$806$462$252$133$69$26
48 years$780$441$237$123$62$23
49 years$756$421$223$114$57$20
50 years$732$402$210$105$51$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $750,000, adding $5,117 every year, while hoping to spend $46,642 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: 46/43/11 Blend
51$750,000$750,000$750,000$750,000
52$831,778$792,028$780,403$867,247
53$866,993$781,211$756,920$881,484
54$904,236$768,300$731,087$891,715
55$943,666$753,144$702,776$901,764
56$985,454$735,583$671,853$911,629
57$1,029,789$715,445$638,179$921,314
58$1,076,876$692,551$601,607$930,826
59$1,126,941$666,709$561,984$940,175
60$1,180,229$637,718$519,151$949,377
61$1,237,011$605,365$472,940$958,452
62$1,297,581$569,422$423,179$967,430
63$1,362,262$529,652$369,683$976,346
64$1,431,410$485,802$312,264$985,244
65$1,505,411$437,604$250,723$994,177
66$1,584,693$384,776$184,852$1,003,211
67$1,669,721$327,020$114,434$1,012,424
68$1,761,010$264,021$39,245$1,021,908
69$1,859,120$195,445$0$1,031,772
70$1,964,671$120,942$0$1,046,952
71$2,078,339$40,140$0$1,068,014
72$2,200,869$0$0$1,090,546
73$2,333,079$0$0$1,137,184
74$2,475,868$0$0$1,208,133
75$2,630,223$0$0$1,284,900
76$2,797,229$0$0$1,368,034
77$2,978,080$0$0$1,458,138
78$3,174,087$0$0$1,555,875
79$3,386,692$0$0$1,661,975
80$3,617,482$0$0$1,777,241
81$3,868,201$0$0$1,902,554
82$4,140,767$0$0$2,038,887
83$4,437,293$0$0$2,187,307
84$4,760,101$0$0$2,348,990
85$5,111,746$0$0$2,525,231
86$5,495,042$0$0$2,717,452
87$5,913,084$0$0$2,927,220
88$6,369,280$0$0$3,156,262
89$6,867,378$0$0$3,406,476
90$7,411,508$0$0$3,679,952
91$8,006,214$0$0$3,978,992
92$8,656,501$0$0$4,306,131
93$9,367,877$0$0$4,664,158
94$10,146,408$0$0$5,056,146
95$10,998,774$0$0$5,485,478
96$11,932,331$0$0$5,955,881
97$12,955,178$0$0$6,471,458
98$14,076,237$0$0$7,036,728
99$15,305,332$0$0$7,656,669
100$16,653,285$0$0$8,336,763