Can I retire at age 52 with 761,000?

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 $761,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$62,843$62,283$61,737$61,204$60,683$59,144
2 years$31,110$30,531$29,969$29,425$28,897$27,356
3 years$20,534$19,952$19,392$18,853$18,333$16,839
4 years$15,247$14,667$14,112$13,582$13,075$11,640
5 years$12,076$11,499$10,952$10,433$9,940$8,566
6 years$9,962$9,390$8,851$8,343$7,865$6,555
7 years$8,453$7,886$7,355$6,859$6,396$5,150
8 years$7,322$6,759$6,238$5,754$5,306$4,123
9 years$6,442$5,885$5,372$4,901$4,469$3,347
10 years$5,739$5,188$4,684$4,225$3,808$2,747
11 years$5,164$4,618$4,124$3,677$3,275$2,273
12 years$4,686$4,145$3,660$3,225$2,838$1,894
13 years$4,281$3,746$3,270$2,847$2,475$1,586
14 years$3,934$3,405$2,938$2,528$2,169$1,334
15 years$3,634$3,110$2,652$2,254$1,910$1,126
16 years$3,372$2,854$2,405$2,018$1,688$954
17 years$3,140$2,628$2,188$1,813$1,497$809
18 years$2,935$2,429$1,998$1,634$1,331$688
19 years$2,751$2,251$1,829$1,477$1,186$587
20 years$2,586$2,092$1,678$1,337$1,060$501
21 years$2,437$1,948$1,544$1,214$948$428
22 years$2,302$1,819$1,423$1,104$850$366
23 years$2,179$1,701$1,314$1,005$763$313
24 years$2,066$1,594$1,215$917$686$268
25 years$1,962$1,496$1,125$837$617$230
26 years$1,866$1,406$1,044$765$556$197
27 years$1,778$1,323$969$701$501$169
28 years$1,696$1,246$901$642$452$145
29 years$1,620$1,176$838$589$408$125
30 years$1,549$1,111$781$540$369$107
31 years$1,483$1,050$728$496$334$92
32 years$1,421$993$679$456$302$79
33 years$1,363$941$634$419$273$68
34 years$1,308$892$593$386$247$58
35 years$1,257$846$554$355$224$50
36 years$1,209$803$518$327$203$43
37 years$1,163$762$485$301$184$37
38 years$1,120$724$454$278$167$32
39 years$1,079$689$426$256$151$28
40 years$1,040$655$399$236$137$24
41 years$1,004$624$374$218$124$20
42 years$969$594$351$201$113$18
43 years$936$566$329$186$102$15
44 years$904$540$309$171$93$13
45 years$874$515$290$158$84$11
46 years$845$491$273$146$77$10
47 years$818$468$256$135$70$8
48 years$792$447$241$125$63$7
49 years$767$427$226$115$57$6
50 years$743$408$213$107$52$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $761,000, adding $2,166 every year, while hoping to spend $49,416 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: 54/32/14 Blend
51$761,000$761,000$761,000$761,000
52$840,856$800,523$788,728$883,049
53$874,045$787,171$762,572$898,668
54$908,963$771,508$733,884$910,163
55$945,735$753,369$702,526$921,548
56$984,495$732,579$668,355$932,823
57$1,025,391$708,952$631,223$943,993
58$1,068,583$682,293$590,971$955,064
59$1,114,246$652,394$547,437$966,048
60$1,162,573$619,034$500,449$976,960
61$1,213,771$581,983$449,830$987,821
62$1,268,068$540,993$395,392$998,656
63$1,325,715$495,805$336,941$1,009,499
64$1,386,983$446,144$274,273$1,020,392
65$1,452,170$391,721$207,177$1,031,382
66$1,521,604$332,227$135,430$1,042,530
67$1,595,641$267,340$58,800$1,053,907
68$1,674,674$196,717$0$1,065,595
69$1,759,130$119,996$0$1,081,124
70$1,849,481$36,795$0$1,106,773
71$1,946,242$0$0$1,133,919
72$2,049,977$0$0$1,181,522
73$2,161,308$0$0$1,246,564
74$2,280,915$0$0$1,316,492
75$2,409,546$0$0$1,391,752
76$2,548,020$0$0$1,472,828
77$2,697,238$0$0$1,560,256
78$2,858,190$0$0$1,654,624
79$3,031,964$0$0$1,756,577
80$3,219,752$0$0$1,866,824
81$3,422,869$0$0$1,986,145
82$3,642,756$0$0$2,115,398
83$3,881,001$0$0$2,255,524
84$4,139,348$0$0$2,407,560
85$4,419,714$0$0$2,572,646
86$4,724,209$0$0$2,752,036
87$5,055,154$0$0$2,947,108
88$5,415,101$0$0$3,159,381
89$5,806,858$0$0$3,390,522
90$6,233,517$0$0$3,642,370
91$6,698,477$0$0$3,916,946
92$7,205,481$0$0$4,216,474
93$7,758,648$0$0$4,543,405
94$8,362,511$0$0$4,900,433
95$9,022,062$0$0$5,290,527
96$9,742,794$0$0$5,716,953
97$10,530,755$0$0$6,183,308
98$11,392,606$0$0$6,693,553
99$12,335,679$0$0$7,252,049
100$13,368,047$0$0$7,863,598