Can I retire at age 52 with 753,000?

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 $753,000?

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$62,182$61,628$61,088$60,560$60,045$58,954
2 years$30,783$30,210$29,654$29,116$28,593$27,497
3 years$20,318$19,742$19,188$18,655$18,141$17,074
4 years$15,087$14,513$13,964$13,440$12,938$11,910
5 years$11,949$11,378$10,837$10,323$9,835$8,848
6 years$9,857$9,291$8,758$8,255$7,782$6,837
7 years$8,364$7,803$7,278$6,787$6,329$5,427
8 years$7,245$6,688$6,172$5,694$5,251$4,390
9 years$6,375$5,823$5,316$4,850$4,422$3,603
10 years$5,679$5,133$4,635$4,180$3,768$2,990
11 years$5,110$4,570$4,080$3,638$3,240$2,503
12 years$4,636$4,101$3,621$3,191$2,808$2,109
13 years$4,236$3,707$3,235$2,817$2,449$1,788
14 years$3,893$3,369$2,907$2,501$2,146$1,522
15 years$3,596$3,078$2,624$2,230$1,890$1,301
16 years$3,336$2,824$2,379$1,997$1,670$1,116
17 years$3,107$2,601$2,165$1,794$1,481$960
18 years$2,904$2,403$1,977$1,617$1,317$827
19 years$2,722$2,227$1,809$1,461$1,174$714
20 years$2,559$2,070$1,661$1,323$1,048$618
21 years$2,412$1,928$1,527$1,201$938$535
22 years$2,278$1,799$1,408$1,092$841$464
23 years$2,156$1,683$1,300$995$755$403
24 years$2,044$1,577$1,202$907$678$350
25 years$1,941$1,480$1,113$828$611$304
26 years$1,847$1,391$1,033$757$550$265
27 years$1,759$1,309$959$693$496$231
28 years$1,678$1,233$891$635$447$201
29 years$1,603$1,164$830$583$404$175
30 years$1,533$1,099$773$535$365$153
31 years$1,467$1,039$720$491$330$133
32 years$1,406$983$672$451$299$116
33 years$1,349$931$628$415$270$101
34 years$1,295$882$586$382$245$88
35 years$1,244$837$548$351$222$77
36 years$1,196$794$513$324$201$67
37 years$1,151$754$480$298$182$59
38 years$1,108$717$449$275$165$51
39 years$1,068$682$421$253$150$45
40 years$1,029$649$395$234$136$39
41 years$993$617$370$216$123$34
42 years$959$588$347$199$112$30
43 years$926$560$326$184$101$26
44 years$895$534$306$170$92$23
45 years$865$509$287$157$84$20
46 years$837$486$270$145$76$17
47 years$809$464$253$134$69$15
48 years$784$443$238$124$63$13
49 years$759$423$224$114$57$12
50 years$735$404$210$106$52$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $753,000, adding $4,972 every year, while hoping to spend $22,075 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: 29/44/27 Blend
51$753,000$753,000$753,000$753,000
52$834,935$795,026$783,354$852,063
53$896,610$810,494$786,109$881,404
54$963,837$825,981$788,216$910,669
55$1,037,158$841,463$789,631$941,687
56$1,117,170$856,917$790,305$974,626
57$1,204,532$872,316$790,191$1,009,670
58$1,299,966$887,632$789,235$1,047,022
59$1,404,271$902,835$787,383$1,086,907
60$1,518,325$917,891$784,577$1,129,577
61$1,643,092$932,766$780,759$1,175,305
62$1,779,637$947,422$775,864$1,224,398
63$1,929,132$961,817$769,828$1,277,192
64$2,092,866$975,909$762,580$1,334,061
65$2,272,261$989,651$754,049$1,395,417
66$2,468,881$1,002,993$744,158$1,461,715
67$2,684,448$1,015,881$732,829$1,533,460
68$2,920,861$1,028,259$719,978$1,611,209
69$3,180,211$1,040,065$705,519$1,695,577
70$3,464,798$1,051,234$689,360$1,787,245
71$3,777,160$1,061,697$671,406$1,886,965
72$4,120,090$1,071,380$651,558$1,995,567
73$4,496,665$1,080,203$629,711$2,113,969
74$4,910,275$1,088,084$605,756$2,243,186
75$5,364,654$1,094,931$579,580$2,384,338
76$5,863,917$1,100,650$551,064$2,538,663
77$6,412,594$1,105,139$520,082$2,707,527
78$7,015,678$1,108,291$486,504$2,892,439
79$7,678,671$1,109,991$450,196$3,095,068
80$8,407,632$1,110,117$411,014$3,317,254
81$9,209,237$1,108,540$368,810$3,561,029
82$10,090,843$1,105,122$323,429$3,828,638
83$11,060,555$1,099,718$274,709$4,122,558
84$12,127,301$1,092,174$222,481$4,445,526
85$13,300,919$1,082,324$166,569$4,800,559
86$14,592,251$1,069,997$106,787$5,190,991
87$16,013,240$1,055,006$42,944$5,620,501
88$17,577,046$1,037,157$0$6,093,147
89$19,298,170$1,016,242$0$6,620,666
90$21,192,589$992,043$0$7,214,421
91$23,277,907$964,328$0$7,867,544
92$25,573,524$932,850$0$8,586,122
93$28,100,814$897,350$0$9,376,865
94$30,883,329$857,552$0$10,247,173
95$33,947,022$813,166$0$11,205,203
96$37,320,489$763,882$0$12,259,953
97$41,035,243$709,377$0$13,421,342
98$45,126,006$649,304$0$14,700,307
99$49,631,040$583,301$0$16,108,907
100$54,592,505$510,982$0$17,660,439