Can I retire at age 52 with 759,000?

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 $759,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$62,678$62,119$61,575$61,043$60,524$60,168
2 years$31,028$30,451$29,891$29,348$28,821$28,461
3 years$20,480$19,900$19,341$18,803$18,285$17,934
4 years$15,207$14,628$14,075$13,547$13,041$12,700
5 years$12,044$11,469$10,923$10,405$9,914$9,585
6 years$9,936$9,365$8,827$8,321$7,844$7,527
7 years$8,431$7,865$7,336$6,841$6,380$6,075
8 years$7,303$6,742$6,221$5,739$5,292$5,000
9 years$6,425$5,870$5,358$4,888$4,457$4,177
10 years$5,724$5,174$4,672$4,214$3,798$3,529
11 years$5,151$4,606$4,113$3,667$3,266$3,010
12 years$4,673$4,134$3,650$3,217$2,830$2,586
13 years$4,269$3,736$3,261$2,840$2,468$2,235
14 years$3,924$3,396$2,930$2,521$2,163$1,941
15 years$3,624$3,102$2,645$2,248$1,905$1,694
16 years$3,363$2,846$2,398$2,013$1,684$1,483
17 years$3,132$2,621$2,182$1,809$1,493$1,302
18 years$2,927$2,422$1,992$1,630$1,327$1,147
19 years$2,744$2,245$1,824$1,473$1,183$1,012
20 years$2,580$2,086$1,674$1,334$1,057$895
21 years$2,431$1,943$1,540$1,211$946$793
22 years$2,296$1,814$1,419$1,101$848$703
23 years$2,173$1,696$1,310$1,002$761$625
24 years$2,060$1,589$1,212$914$684$556
25 years$1,957$1,492$1,122$835$615$495
26 years$1,861$1,402$1,041$763$554$441
27 years$1,773$1,319$967$699$500$393
28 years$1,692$1,243$899$640$451$351
29 years$1,616$1,173$836$587$407$313
30 years$1,545$1,108$779$539$368$280
31 years$1,479$1,047$726$495$333$250
32 years$1,417$991$677$455$301$224
33 years$1,359$938$633$418$272$200
34 years$1,305$889$591$385$247$179
35 years$1,254$843$553$354$223$160
36 years$1,205$801$517$326$202$144
37 years$1,160$760$484$301$183$129
38 years$1,117$723$453$277$166$115
39 years$1,076$687$424$255$151$103
40 years$1,038$654$398$236$137$93
41 years$1,001$622$373$217$124$83
42 years$966$593$350$201$113$74
43 years$933$565$328$185$102$67
44 years$902$538$308$171$93$60
45 years$872$513$289$158$84$54
46 years$843$490$272$146$76$48
47 years$816$467$255$135$69$43
48 years$790$446$240$125$63$39
49 years$765$426$226$115$57$35
50 years$741$407$212$106$52$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $759,000, adding $2,612 every year, while hoping to spend $29,038 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: 41/41/18 Blend
51$759,000$759,000$759,000$759,000
52$839,112$798,885$787,121$868,965
53$893,806$807,134$782,593$898,665
54$953,104$814,815$776,941$927,775
55$1,017,448$821,867$770,095$958,674
56$1,087,318$828,230$761,984$991,541
57$1,163,248$833,836$752,534$1,026,573
58$1,245,820$838,615$741,665$1,063,990
59$1,335,679$842,492$729,295$1,104,033
60$1,433,531$845,387$715,339$1,146,973
61$1,540,154$847,214$699,706$1,193,107
62$1,656,406$847,884$682,302$1,242,767
63$1,783,229$847,299$663,029$1,296,319
64$1,921,660$845,359$641,783$1,354,169
65$2,072,843$841,955$618,456$1,416,765
66$2,238,034$836,973$592,936$1,484,607
67$2,418,619$830,289$565,104$1,558,246
68$2,616,120$821,776$534,837$1,638,291
69$2,832,217$811,295$502,007$1,725,418
70$3,068,757$798,703$466,478$1,820,375
71$3,327,776$783,845$428,111$1,923,989
72$3,611,513$766,558$386,757$2,037,175
73$3,922,438$746,669$342,263$2,160,945
74$4,263,267$723,996$294,469$2,296,419
75$4,636,994$698,345$243,208$2,444,835
76$5,046,915$669,513$188,303$2,607,562
77$5,496,663$637,281$129,574$2,786,114
78$5,990,236$601,421$66,828$2,982,163
79$6,532,040$561,691$0$3,197,560
80$7,126,928$517,834$0$3,434,375
81$7,780,247$469,580$0$3,708,538
82$8,497,885$416,642$0$4,009,739
83$9,286,329$358,717$0$4,340,779
84$10,152,727$295,487$0$4,704,749
85$11,104,953$226,613$0$5,105,061
86$12,151,679$151,739$0$5,545,480
87$13,302,464$70,487$0$6,030,162
88$14,567,835$0$0$6,563,693
89$15,959,392$0$0$7,159,045
90$17,489,915$0$0$7,848,937
91$19,173,486$0$0$8,607,927
92$21,025,619$0$0$9,443,024
93$23,063,406$0$0$10,361,949
94$25,305,683$0$0$11,373,210
95$27,773,202$0$0$12,486,181
96$30,488,827$0$0$13,711,192
97$33,477,752$0$0$15,059,624
98$36,767,739$0$0$16,544,017
99$40,389,374$0$0$18,178,191
100$44,376,363$0$0$19,977,370