Can I retire at age 52 with 760,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $760,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$62,760$62,201$61,656$61,123$60,603$59,575
2 years$31,069$30,491$29,930$29,386$28,859$27,826
3 years$20,507$19,926$19,367$18,828$18,309$17,304
4 years$15,227$14,648$14,094$13,565$13,058$12,088
5 years$12,060$11,484$10,937$10,419$9,927$8,995
6 years$9,949$9,378$8,839$8,332$7,855$6,962
7 years$8,442$7,875$7,345$6,850$6,388$5,535
8 years$7,312$6,751$6,229$5,746$5,299$4,486
9 years$6,434$5,878$5,365$4,895$4,463$3,688
10 years$5,732$5,181$4,678$4,219$3,803$3,066
11 years$5,157$4,612$4,118$3,672$3,270$2,571
12 years$4,679$4,140$3,655$3,221$2,834$2,171
13 years$4,275$3,741$3,265$2,844$2,471$1,844
14 years$3,929$3,400$2,934$2,524$2,166$1,573
15 years$3,629$3,106$2,649$2,251$1,907$1,348
16 years$3,367$2,850$2,402$2,016$1,686$1,158
17 years$3,136$2,625$2,185$1,811$1,495$998
18 years$2,931$2,425$1,995$1,632$1,329$862
19 years$2,748$2,248$1,826$1,475$1,185$746
20 years$2,583$2,089$1,676$1,336$1,058$647
21 years$2,434$1,946$1,542$1,212$947$562
22 years$2,299$1,816$1,421$1,102$849$488
23 years$2,176$1,699$1,312$1,004$762$425
24 years$2,063$1,592$1,213$916$685$370
25 years$1,959$1,494$1,124$836$616$322
26 years$1,864$1,404$1,042$764$555$281
27 years$1,776$1,321$968$700$500$246
28 years$1,694$1,245$900$641$452$214
29 years$1,618$1,174$837$588$408$187
30 years$1,547$1,109$780$540$368$164
31 years$1,481$1,048$727$496$333$143
32 years$1,419$992$678$455$301$125
33 years$1,361$939$633$419$273$110
34 years$1,307$890$592$385$247$96
35 years$1,255$845$553$355$224$84
36 years$1,207$802$518$327$203$73
37 years$1,161$761$484$301$184$64
38 years$1,118$724$454$277$166$56
39 years$1,078$688$425$256$151$49
40 years$1,039$655$398$236$137$43
41 years$1,002$623$374$218$124$38
42 years$968$593$350$201$113$33
43 years$934$565$329$185$102$29
44 years$903$539$309$171$93$25
45 years$873$514$290$158$84$22
46 years$844$490$272$146$77$20
47 years$817$468$256$135$70$17
48 years$791$447$240$125$63$15
49 years$766$427$226$115$57$13
50 years$742$407$212$107$52$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $760,000, adding $4,917 every year, while hoping to spend $39,501 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: 49/46/5 Blend
51$760,000$760,000$760,000$760,000
52$842,592$802,312$790,532$882,605
53$886,507$799,596$774,986$907,699
54$933,579$795,424$757,595$930,303
55$984,085$789,681$738,256$953,907
56$1,038,335$782,249$716,861$978,613
57$1,096,665$772,999$693,296$1,004,537
58$1,159,447$761,798$667,443$1,031,807
59$1,227,086$748,501$639,178$1,060,569
60$1,300,029$732,958$608,371$1,090,983
61$1,378,768$715,009$574,887$1,123,231
62$1,463,841$694,483$538,585$1,157,515
63$1,555,842$671,202$499,316$1,194,060
64$1,655,421$644,975$456,927$1,233,118
65$1,763,296$615,600$411,255$1,274,972
66$1,880,252$582,865$362,133$1,319,934
67$2,007,157$546,544$309,384$1,368,356
68$2,144,963$506,400$252,823$1,420,626
69$2,294,716$462,181$192,260$1,477,179
70$2,457,570$413,621$127,494$1,538,499
71$2,634,792$360,439$58,315$1,605,124
72$2,827,777$302,336$0$1,677,653
73$3,038,060$239,000$0$1,757,579
74$3,267,330$170,099$0$1,848,188
75$3,517,447$95,283$0$1,947,201
76$3,790,455$14,181$0$2,055,544
77$4,088,609$0$0$2,174,246
78$4,414,388$0$0$2,341,700
79$4,770,522$0$0$2,532,683
80$5,160,016$0$0$2,741,638
81$5,586,180$0$0$2,970,351
82$6,052,657$0$0$3,220,788
83$6,563,461$0$0$3,495,115
84$7,123,010$0$0$3,795,716
85$7,736,170$0$0$4,125,217
86$8,408,301$0$0$4,486,511
87$9,145,305$0$0$4,882,784
88$9,953,684$0$0$5,317,544
89$10,840,597$0$0$5,794,656
90$11,813,932$0$0$6,318,377
91$12,882,376$0$0$6,893,397
92$14,055,499$0$0$7,524,881
93$15,343,843$0$0$8,218,520
94$16,759,021$0$0$8,980,582
95$18,313,825$0$0$9,817,973
96$20,022,349$0$0$10,738,301
97$21,900,118$0$0$11,749,948
98$23,964,238$0$0$12,862,147
99$26,233,552$0$0$14,085,073
100$28,728,823$0$0$15,429,933