Can I retire at age 52 with 757,000?

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 $757,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$62,512$61,956$61,412$60,882$60,364$59,833
2 years$30,947$30,370$29,812$29,270$28,745$28,210
3 years$20,426$19,847$19,290$18,754$18,237$17,715
4 years$15,167$14,590$14,038$13,511$13,007$12,501
5 years$12,012$11,439$10,894$10,378$9,888$9,400
6 years$9,910$9,341$8,804$8,299$7,824$7,354
7 years$8,409$7,844$7,316$6,823$6,363$5,912
8 years$7,283$6,724$6,205$5,724$5,278$4,847
9 years$6,408$5,854$5,344$4,875$4,445$4,032
10 years$5,709$5,160$4,659$4,203$3,788$3,393
11 years$5,137$4,594$4,102$3,658$3,257$2,881
12 years$4,661$4,123$3,640$3,208$2,823$2,464
13 years$4,258$3,726$3,252$2,832$2,462$2,120
14 years$3,913$3,387$2,922$2,514$2,158$1,834
15 years$3,615$3,094$2,638$2,242$1,900$1,592
16 years$3,354$2,839$2,392$2,008$1,679$1,387
17 years$3,124$2,614$2,177$1,804$1,489$1,213
18 years$2,919$2,416$1,987$1,626$1,324$1,062
19 years$2,737$2,239$1,819$1,469$1,180$933
20 years$2,573$2,081$1,669$1,330$1,054$821
21 years$2,425$1,938$1,536$1,207$943$723
22 years$2,290$1,809$1,415$1,098$845$638
23 years$2,167$1,692$1,307$1,000$759$564
24 years$2,055$1,585$1,209$912$682$499
25 years$1,952$1,488$1,119$833$614$442
26 years$1,857$1,398$1,038$761$553$392
27 years$1,769$1,316$964$697$498$347
28 years$1,687$1,240$896$639$450$308
29 years$1,611$1,170$834$586$406$274
30 years$1,541$1,105$777$537$367$243
31 years$1,475$1,044$724$494$332$216
32 years$1,413$988$676$454$300$192
33 years$1,356$936$631$417$272$171
34 years$1,301$887$589$384$246$152
35 years$1,250$841$551$353$223$135
36 years$1,202$798$516$325$202$121
37 years$1,157$758$483$300$183$107
38 years$1,114$721$452$276$166$96
39 years$1,073$685$423$255$150$85
40 years$1,035$652$397$235$136$76
41 years$998$621$372$217$124$68
42 years$964$591$349$200$112$60
43 years$931$563$328$185$102$54
44 years$899$537$307$171$92$48
45 years$870$512$289$158$84$43
46 years$841$488$271$146$76$38
47 years$814$466$255$134$69$34
48 years$788$445$239$124$63$30
49 years$763$425$225$115$57$27
50 years$739$406$212$106$52$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $757,000, adding $5,237 every year, while hoping to spend $21,614 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: 82/6/12 Blend
51$757,000$757,000$757,000$757,000
52$839,616$799,495$787,761$906,240
53$902,260$815,673$791,154$966,859
54$970,569$831,920$793,936$1,030,019
55$1,045,098$848,215$796,065$1,098,724
56$1,126,458$864,538$797,493$1,173,519
57$1,215,322$880,866$798,175$1,255,004
58$1,312,431$897,173$798,059$1,343,841
59$1,418,598$913,434$797,093$1,440,759
60$1,534,722$929,619$795,223$1,546,559
61$1,661,790$945,698$792,389$1,662,125
62$1,800,891$961,635$788,533$1,788,431
63$1,953,223$977,396$783,589$1,926,550
64$2,120,105$992,941$777,493$2,077,662
65$2,302,989$1,008,229$770,173$2,243,071
66$2,503,477$1,023,216$761,556$2,424,210
67$2,723,331$1,037,852$751,567$2,622,659
68$2,964,491$1,052,087$740,125$2,840,159
69$3,229,096$1,065,866$727,147$3,078,629
70$3,519,501$1,079,131$712,543$3,340,182
71$3,838,300$1,091,818$696,223$3,627,147
72$4,188,350$1,103,861$678,090$3,942,090
73$4,572,800$1,115,188$658,044$4,287,840
74$4,995,116$1,125,724$635,980$4,667,511
75$5,459,120$1,135,386$611,787$5,084,536
76$5,969,018$1,144,088$585,350$5,542,700
77$6,529,448$1,151,738$556,549$6,046,170
78$7,145,517$1,158,238$525,259$6,599,541
79$7,822,852$1,163,484$491,347$7,207,875
80$8,567,652$1,167,365$454,677$7,876,750
81$9,386,749$1,169,761$415,104$8,612,313
82$10,287,667$1,170,549$372,480$9,421,338
83$11,278,698$1,169,595$326,647$10,311,291
84$12,368,977$1,166,758$277,442$11,290,396
85$13,568,571$1,161,886$224,694$12,367,720
86$14,888,568$1,154,822$168,224$13,553,251
87$16,341,189$1,145,396$107,847$14,857,999
88$17,939,898$1,133,428$43,368$16,294,095
89$19,699,531$1,118,729$0$17,874,908
90$21,636,434$1,101,097$0$19,618,429
91$23,768,618$1,080,319$0$21,543,772
92$26,115,932$1,056,169$0$23,663,300
93$28,700,243$1,028,408$0$25,996,758
94$31,545,649$996,781$0$28,565,907
95$34,678,703$961,021$0$31,394,723
96$38,128,664$920,844$0$34,509,627
97$41,927,772$875,949$0$37,939,735
98$46,111,553$826,019$0$41,717,130
99$50,719,155$770,718$0$45,877,165
100$55,793,715$709,690$0$50,458,799