Can I retire at age 52 with 760,000?

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 $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%17.2%
1 years$62,760$62,201$61,656$61,123$60,603$58,829
2 years$31,069$30,491$29,930$29,386$28,859$27,085
3 years$20,507$19,926$19,367$18,828$18,309$16,592
4 years$15,227$14,648$14,094$13,565$13,058$11,411
5 years$12,060$11,484$10,937$10,419$9,927$8,354
6 years$9,949$9,378$8,839$8,332$7,855$6,357
7 years$8,442$7,875$7,345$6,850$6,388$4,967
8 years$7,312$6,751$6,229$5,746$5,299$3,953
9 years$6,434$5,878$5,365$4,895$4,463$3,190
10 years$5,732$5,181$4,678$4,219$3,803$2,601
11 years$5,157$4,612$4,118$3,672$3,270$2,139
12 years$4,679$4,140$3,655$3,221$2,834$1,770
13 years$4,275$3,741$3,265$2,844$2,471$1,473
14 years$3,929$3,400$2,934$2,524$2,166$1,230
15 years$3,629$3,106$2,649$2,251$1,907$1,031
16 years$3,367$2,850$2,402$2,016$1,686$867
17 years$3,136$2,625$2,185$1,811$1,495$731
18 years$2,931$2,425$1,995$1,632$1,329$617
19 years$2,748$2,248$1,826$1,475$1,185$522
20 years$2,583$2,089$1,676$1,336$1,058$442
21 years$2,434$1,946$1,542$1,212$947$374
22 years$2,299$1,816$1,421$1,102$849$318
23 years$2,176$1,699$1,312$1,004$762$270
24 years$2,063$1,592$1,213$916$685$229
25 years$1,959$1,494$1,124$836$616$195
26 years$1,864$1,404$1,042$764$555$166
27 years$1,776$1,321$968$700$500$141
28 years$1,694$1,245$900$641$452$120
29 years$1,618$1,174$837$588$408$102
30 years$1,547$1,109$780$540$368$87
31 years$1,481$1,048$727$496$333$74
32 years$1,419$992$678$455$301$63
33 years$1,361$939$633$419$273$54
34 years$1,307$890$592$385$247$46
35 years$1,255$845$553$355$224$39
36 years$1,207$802$518$327$203$34
37 years$1,161$761$484$301$184$29
38 years$1,118$724$454$277$166$24
39 years$1,078$688$425$256$151$21
40 years$1,039$655$398$236$137$18
41 years$1,002$623$374$218$124$15
42 years$968$593$350$201$113$13
43 years$934$565$329$185$102$11
44 years$903$539$309$171$93$9
45 years$873$514$290$158$84$8
46 years$844$490$272$146$77$7
47 years$817$468$256$135$70$6
48 years$791$447$240$125$63$5
49 years$766$427$226$115$57$4
50 years$742$407$212$107$52$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $760,000, adding $2,146 every year, while hoping to spend $50,248 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: 65/29/6 Blend
51$760,000$760,000$760,000$760,000
52$839,734$799,454$787,674$893,364
53$871,923$785,163$760,597$914,989
54$905,712$768,489$730,930$932,419
55$941,209$749,260$698,531$950,131
56$978,536$727,297$663,255$968,147
57$1,017,822$702,410$624,949$986,494
58$1,059,208$674,396$583,454$1,005,201
59$1,102,849$643,044$538,601$1,024,304
60$1,148,914$608,126$490,218$1,043,845
61$1,197,584$569,406$438,121$1,063,870
62$1,249,060$526,629$382,121$1,084,435
63$1,303,560$479,530$322,018$1,105,602
64$1,361,323$427,827$257,606$1,127,445
65$1,422,609$371,222$188,667$1,150,045
66$1,487,703$309,399$114,974$1,173,496
67$1,556,916$242,027$36,293$1,197,907
68$1,630,589$168,753$0$1,223,399
69$1,709,095$89,208$0$1,253,164
70$1,792,842$2,999$0$1,286,983
71$1,882,278$0$0$1,322,726
72$1,977,894$0$0$1,389,423
73$2,080,226$0$0$1,461,862
74$2,189,865$0$0$1,539,508
75$2,307,457$0$0$1,622,823
76$2,433,711$0$0$1,712,314
77$2,569,406$0$0$1,808,537
78$2,715,398$0$0$1,912,105
79$2,872,623$0$0$2,023,688
80$3,042,114$0$0$2,144,024
81$3,225,002$0$0$2,273,923
82$3,422,531$0$0$2,414,275
83$3,636,068$0$0$2,566,057
84$3,867,116$0$0$2,730,345
85$4,117,327$0$0$2,908,321
86$4,388,515$0$0$3,101,284
87$4,682,678$0$0$3,310,664
88$5,002,011$0$0$3,538,031
89$5,348,930$0$0$3,785,114
90$5,726,091$0$0$4,053,815
91$6,136,417$0$0$4,346,227
92$6,583,123$0$0$4,664,650
93$7,069,749$0$0$5,011,618
94$7,600,187$0$0$5,389,920
95$8,178,724$0$0$5,802,622
96$8,810,077$0$0$6,253,101
97$9,499,436$0$0$6,745,077
98$10,252,518$0$0$7,282,639
99$11,075,615$0$0$7,870,295
100$11,975,655$0$0$8,513,003