Can I retire at age 51 with 777,000?

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 $777,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$64,164$63,592$63,035$62,491$61,959$60,486
2 years$31,764$31,173$30,599$30,044$29,504$28,029
3 years$20,966$20,372$19,800$19,249$18,719$17,287
4 years$15,568$14,975$14,409$13,868$13,350$11,973
5 years$12,330$11,741$11,182$10,652$10,149$8,830
6 years$10,172$9,587$9,037$8,518$8,030$6,772
7 years$8,631$8,051$7,510$7,003$6,531$5,332
8 years$7,476$6,902$6,369$5,875$5,418$4,279
9 years$6,578$6,009$5,485$5,004$4,563$3,482
10 years$5,860$5,297$4,782$4,314$3,888$2,865
11 years$5,273$4,715$4,210$3,754$3,344$2,377
12 years$4,784$4,232$3,737$3,293$2,897$1,985
13 years$4,371$3,825$3,338$2,907$2,527$1,667
14 years$4,017$3,477$3,000$2,581$2,215$1,406
15 years$3,710$3,176$2,708$2,301$1,950$1,190
16 years$3,442$2,914$2,455$2,061$1,723$1,011
17 years$3,206$2,684$2,234$1,852$1,528$860
18 years$2,997$2,480$2,040$1,669$1,359$734
19 years$2,809$2,298$1,867$1,508$1,211$627
20 years$2,641$2,136$1,714$1,366$1,082$537
21 years$2,489$1,989$1,576$1,239$968$460
22 years$2,350$1,857$1,453$1,127$868$395
23 years$2,224$1,737$1,341$1,026$779$339
24 years$2,109$1,627$1,240$936$700$291
25 years$2,003$1,527$1,149$855$630$251
26 years$1,906$1,435$1,066$782$567$216
27 years$1,815$1,351$989$715$512$186
28 years$1,732$1,273$920$655$462$160
29 years$1,654$1,201$856$601$417$138
30 years$1,582$1,134$797$552$377$119
31 years$1,514$1,072$743$507$341$102
32 years$1,451$1,014$694$466$308$88
33 years$1,391$960$648$428$279$76
34 years$1,336$910$605$394$252$66
35 years$1,283$863$566$363$229$57
36 years$1,234$820$529$334$207$49
37 years$1,187$778$495$308$188$42
38 years$1,143$740$464$284$170$36
39 years$1,102$703$435$262$154$31
40 years$1,062$669$407$241$140$27
41 years$1,025$637$382$223$127$23
42 years$989$607$358$205$115$20
43 years$955$578$336$190$105$17
44 years$923$551$316$175$95$15
45 years$892$525$296$162$86$13
46 years$863$501$278$149$78$11
47 years$835$478$261$138$71$10
48 years$809$457$246$127$65$8
49 years$783$436$231$118$59$7
50 years$759$417$217$109$53$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 51 starting with $777,000, adding $5,345 every year, while hoping to spend $32,798 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: 30/48/22 Blend
50$777,000$777,000$777,000$777,000
51$861,767$820,586$808,543$881,581
52$914,771$825,898$800,732$902,488
53$972,081$830,371$791,561$921,669
54$1,034,104$833,929$780,948$941,622
55$1,101,283$836,492$768,810$962,434
56$1,174,108$837,975$755,059$984,204
57$1,253,116$838,285$739,604$1,007,043
58$1,338,900$837,327$722,346$1,031,076
59$1,432,110$834,998$703,187$1,056,443
60$1,533,461$831,189$682,020$1,083,303
61$1,643,741$825,784$658,734$1,111,833
62$1,763,817$818,662$633,216$1,142,231
63$1,894,642$809,691$605,344$1,174,720
64$2,037,264$798,735$574,992$1,209,548
65$2,192,839$785,647$542,028$1,246,994
66$2,362,638$770,273$506,315$1,287,369
67$2,548,059$752,449$467,709$1,331,021
68$2,750,642$732,000$426,059$1,378,337
69$2,972,084$708,744$381,208$1,429,749
70$3,214,250$682,487$332,992$1,485,739
71$3,479,196$653,021$281,240$1,546,845
72$3,769,186$620,130$225,773$1,613,665
73$4,086,710$583,584$166,403$1,686,863
74$4,434,513$543,138$102,936$1,767,181
75$4,815,617$498,536$35,169$1,855,441
76$5,233,350$449,505$0$1,952,559
77$5,691,379$395,757$0$2,068,272
78$6,193,739$336,989$0$2,204,366
79$6,744,878$272,879$0$2,353,883
80$7,349,694$203,088$0$2,518,273
81$8,013,581$127,258$0$2,699,138
82$8,742,483$45,010$0$2,898,251
83$9,542,945$0$0$3,117,575
84$10,422,180$0$0$3,382,551
85$11,388,131$0$0$3,699,910
86$12,449,550$0$0$4,048,767
87$13,616,078$0$0$4,432,309
88$14,898,337$0$0$4,854,045
89$16,308,030$0$0$5,317,842
90$17,858,048$0$0$5,827,960
91$19,562,596$0$0$6,389,092
92$21,437,323$0$0$7,006,411
93$23,499,471$0$0$7,685,613
94$25,768,039$0$0$8,432,977
95$28,263,956$0$0$9,255,420
96$31,010,285$0$0$10,160,564
97$34,032,437$0$0$11,156,807
98$37,358,411$0$0$12,253,403
99$41,019,056$0$0$13,460,548
100$45,048,364$0$0$14,789,476