Can I retire at age 52 with 754,000?

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 $754,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$62,265$61,710$61,169$60,641$60,125$59,547
2 years$30,824$30,250$29,694$29,154$28,631$28,048
3 years$20,345$19,769$19,214$18,679$18,165$17,596
4 years$15,107$14,532$13,983$13,457$12,955$12,405
5 years$11,965$11,393$10,851$10,337$9,848$9,318
6 years$9,871$9,304$8,769$8,266$7,793$7,282
7 years$8,375$7,813$7,287$6,796$6,338$5,848
8 years$7,254$6,697$6,180$5,701$5,258$4,789
9 years$6,383$5,831$5,323$4,856$4,428$3,979
10 years$5,686$5,140$4,641$4,186$3,773$3,344
11 years$5,117$4,576$4,086$3,643$3,245$2,836
12 years$4,642$4,107$3,626$3,195$2,812$2,423
13 years$4,241$3,711$3,240$2,821$2,452$2,082
14 years$3,898$3,374$2,911$2,504$2,149$1,798
15 years$3,600$3,082$2,628$2,233$1,892$1,559
16 years$3,341$2,828$2,383$2,000$1,672$1,357
17 years$3,111$2,604$2,168$1,797$1,483$1,184
18 years$2,908$2,406$1,979$1,619$1,319$1,036
19 years$2,726$2,230$1,812$1,463$1,175$909
20 years$2,563$2,072$1,663$1,325$1,050$798
21 years$2,415$1,930$1,530$1,203$939$702
22 years$2,281$1,802$1,410$1,093$842$619
23 years$2,159$1,685$1,302$996$756$546
24 years$2,047$1,579$1,204$908$679$482
25 years$1,944$1,482$1,115$829$611$426
26 years$1,849$1,393$1,034$758$551$377
27 years$1,762$1,311$960$694$496$334
28 years$1,681$1,235$893$636$448$296
29 years$1,605$1,165$831$583$405$262
30 years$1,535$1,100$774$535$366$233
31 years$1,469$1,040$721$492$330$207
32 years$1,408$984$673$452$299$183
33 years$1,350$932$628$415$271$163
34 years$1,296$883$587$382$245$145
35 years$1,245$838$549$352$222$129
36 years$1,198$795$514$324$201$114
37 years$1,152$755$481$299$182$102
38 years$1,110$718$450$275$165$90
39 years$1,069$683$422$254$150$80
40 years$1,031$649$395$234$136$71
41 years$994$618$371$216$123$64
42 years$960$589$348$199$112$57
43 years$927$561$326$184$101$50
44 years$896$535$306$170$92$45
45 years$866$510$288$157$84$40
46 years$838$486$270$145$76$35
47 years$811$464$254$134$69$32
48 years$785$443$238$124$63$28
49 years$760$423$224$114$57$25
50 years$736$404$211$106$52$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $754,000, adding $3,385 every year, while hoping to spend $29,125 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: 53/22/25 Blend
51$754,000$754,000$754,000$754,000
52$834,400$794,438$782,751$872,667
53$888,520$802,376$777,984$907,402
54$947,184$809,728$772,082$941,908
55$1,010,825$816,433$764,974$978,863
56$1,079,918$822,427$756,591$1,018,511
57$1,154,988$827,645$746,855$1,061,123
58$1,236,610$832,012$735,688$1,106,999
59$1,325,418$835,454$723,006$1,156,469
60$1,422,108$837,889$708,725$1,209,900
61$1,527,447$839,230$692,751$1,267,696
62$1,642,281$839,386$674,992$1,330,304
63$1,767,537$838,259$655,348$1,398,220
64$1,904,237$835,746$633,714$1,471,989
65$2,053,509$831,737$609,982$1,552,216
66$2,216,589$826,115$584,040$1,639,569
67$2,394,843$818,756$555,767$1,734,784
68$2,589,772$809,530$525,040$1,838,676
69$2,803,030$798,298$491,730$1,952,146
70$3,036,436$784,912$455,700$2,076,188
71$3,291,996$769,216$416,809$2,211,901
72$3,571,917$751,045$374,910$2,360,498
73$3,878,631$730,224$329,847$2,523,318
74$4,214,814$706,568$281,460$2,701,840
75$4,583,416$679,880$229,580$2,897,699
76$4,987,683$649,954$174,030$3,112,698
77$5,431,194$616,569$114,627$3,348,828
78$5,917,889$579,493$51,179$3,608,287
79$6,452,106$538,481$0$3,893,503
80$7,038,627$493,273$0$4,211,562
81$7,682,719$443,595$0$4,575,868
82$8,390,181$389,156$0$4,976,074
83$9,167,405$329,650$0$5,415,842
84$10,021,431$264,753$0$5,899,209
85$10,960,014$194,124$0$6,430,626
86$11,991,699$117,400$0$7,014,998
87$13,125,900$34,200$0$7,657,735
88$14,372,987$0$0$8,364,802
89$15,744,387$0$0$9,156,300
90$17,252,689$0$0$10,035,999
91$18,911,762$0$0$11,003,718
92$20,736,888$0$0$12,068,382
93$22,744,905$0$0$13,239,823
94$24,954,365$0$0$14,528,876
95$27,385,708$0$0$15,947,479
96$30,061,457$0$0$17,508,783
97$33,006,429$0$0$19,227,282
98$36,247,967$0$0$21,118,946
99$39,816,200$0$0$23,201,369
100$43,744,328$0$0$25,493,940