Can I retire at age 52 with 751,000?

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 $751,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$62,017$61,464$60,926$60,399$59,886$58,085
2 years$30,701$30,130$29,575$29,038$28,517$26,718
3 years$20,264$19,690$19,137$18,605$18,092$16,352
4 years$15,047$14,474$13,927$13,404$12,904$11,234
5 years$11,917$11,348$10,808$10,295$9,809$8,216
6 years$9,831$9,266$8,734$8,233$7,762$6,246
7 years$8,342$7,782$7,258$6,769$6,312$4,874
8 years$7,226$6,671$6,156$5,678$5,237$3,874
9 years$6,358$5,808$5,302$4,837$4,410$3,123
10 years$5,664$5,119$4,622$4,169$3,758$2,543
11 years$5,096$4,558$4,069$3,629$3,232$2,089
12 years$4,624$4,091$3,611$3,183$2,800$1,726
13 years$4,224$3,697$3,227$2,810$2,442$1,434
14 years$3,882$3,360$2,899$2,494$2,141$1,196
15 years$3,586$3,070$2,618$2,224$1,885$1,001
16 years$3,327$2,816$2,373$1,992$1,666$841
17 years$3,099$2,594$2,159$1,790$1,477$707
18 years$2,896$2,397$1,971$1,613$1,313$596
19 years$2,715$2,221$1,805$1,457$1,171$504
20 years$2,552$2,064$1,656$1,320$1,046$426
21 years$2,405$1,923$1,523$1,198$936$360
22 years$2,272$1,795$1,404$1,089$839$305
23 years$2,150$1,679$1,296$992$753$259
24 years$2,039$1,573$1,199$905$677$220
25 years$1,936$1,476$1,110$826$609$187
26 years$1,842$1,387$1,030$755$548$158
27 years$1,755$1,305$956$691$495$135
28 years$1,674$1,230$889$634$446$114
29 years$1,599$1,160$827$581$403$97
30 years$1,529$1,096$771$533$364$83
31 years$1,463$1,036$718$490$329$70
32 years$1,402$980$670$450$298$60
33 years$1,345$928$626$414$269$51
34 years$1,291$880$585$381$244$43
35 years$1,240$835$547$351$221$37
36 years$1,193$792$511$323$200$31
37 years$1,148$752$479$297$181$27
38 years$1,105$715$448$274$165$23
39 years$1,065$680$420$253$149$19
40 years$1,027$647$394$233$135$17
41 years$991$616$369$215$123$14
42 years$956$586$346$199$111$12
43 years$923$559$325$183$101$10
44 years$892$533$305$169$92$9
45 years$863$508$286$156$83$7
46 years$834$484$269$144$76$6
47 years$807$462$253$133$69$5
48 years$782$441$237$123$62$5
49 years$757$421$223$114$57$4
50 years$733$403$210$105$51$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $751,000, adding $5,238 every year, while hoping to spend $28,222 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: 68/21/11 Blend
51$751,000$751,000$751,000$751,000
52$833,005$793,202$781,561$887,357
53$887,944$802,041$777,716$932,988
54$947,540$810,367$772,795$979,001
55$1,012,239$818,125$766,735$1,028,585
56$1,082,532$825,258$759,464$1,082,088
57$1,158,956$831,701$750,912$1,139,891
58$1,242,105$837,390$741,003$1,202,415
59$1,332,630$842,252$729,657$1,270,125
60$1,431,249$846,214$716,792$1,343,531
61$1,538,753$849,194$702,320$1,423,199
62$1,656,009$851,109$686,152$1,509,751
63$1,783,976$851,866$668,191$1,603,873
64$1,923,705$851,371$648,339$1,706,322
65$2,076,356$849,522$626,492$1,817,932
66$2,243,205$846,209$602,540$1,939,624
67$2,425,657$841,318$576,370$2,072,412
68$2,625,259$834,728$547,863$2,217,414
69$2,843,714$826,308$516,895$2,375,866
70$3,082,898$815,922$483,337$2,549,128
71$3,344,876$803,425$447,051$2,738,699
72$3,631,923$788,663$407,897$2,946,235
73$3,946,543$771,472$365,726$3,173,560
74$4,291,496$751,679$320,383$3,422,685
75$4,669,820$729,103$271,707$3,695,830
76$5,084,862$703,549$219,529$3,995,441
77$5,540,308$674,813$163,673$4,324,214
78$6,040,218$642,677$103,955$4,685,124
79$6,589,064$606,913$40,182$5,081,451
80$7,191,775$567,278$0$5,516,810
81$7,853,777$523,515$0$5,998,460
82$8,581,049$475,354$0$6,532,771
83$9,380,178$422,508$0$7,119,894
84$10,258,420$364,675$0$7,765,200
85$11,223,768$301,533$0$8,474,609
86$12,285,030$232,746$0$9,254,645
87$13,451,908$157,956$0$10,112,502
88$14,735,093$76,786$0$11,056,106
89$16,146,362$0$0$12,094,196
90$17,698,692$0$0$13,238,981
91$19,406,379$0$0$14,517,907
92$21,285,177$0$0$15,925,032
93$23,352,441$0$0$17,473,363
94$25,627,296$0$0$19,177,229
95$28,130,813$0$0$21,052,419
96$30,886,209$0$0$23,116,330
97$33,919,066$0$0$25,388,132
98$37,257,572$0$0$27,888,947
99$40,932,787$0$0$30,642,048
100$44,978,934$0$0$33,673,082