Can I retire at age 52 with 761,000?

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 $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%14.7%
1 years$62,843$62,283$61,737$61,204$60,683$59,507
2 years$31,110$30,531$29,969$29,425$28,897$27,716
3 years$20,534$19,952$19,392$18,853$18,333$17,185
4 years$15,247$14,667$14,112$13,582$13,075$11,969
5 years$12,076$11,499$10,952$10,433$9,940$8,878
6 years$9,962$9,390$8,851$8,343$7,865$6,850
7 years$8,453$7,886$7,355$6,859$6,396$5,427
8 years$7,322$6,759$6,238$5,754$5,306$4,383
9 years$6,442$5,885$5,372$4,901$4,469$3,591
10 years$5,739$5,188$4,684$4,225$3,808$2,974
11 years$5,164$4,618$4,124$3,677$3,275$2,485
12 years$4,686$4,145$3,660$3,225$2,838$2,090
13 years$4,281$3,746$3,270$2,847$2,475$1,768
14 years$3,934$3,405$2,938$2,528$2,169$1,503
15 years$3,634$3,110$2,652$2,254$1,910$1,282
16 years$3,372$2,854$2,405$2,018$1,688$1,097
17 years$3,140$2,628$2,188$1,813$1,497$941
18 years$2,935$2,429$1,998$1,634$1,331$809
19 years$2,751$2,251$1,829$1,477$1,186$697
20 years$2,586$2,092$1,678$1,337$1,060$602
21 years$2,437$1,948$1,544$1,214$948$520
22 years$2,302$1,819$1,423$1,104$850$450
23 years$2,179$1,701$1,314$1,005$763$390
24 years$2,066$1,594$1,215$917$686$338
25 years$1,962$1,496$1,125$837$617$293
26 years$1,866$1,406$1,044$765$556$255
27 years$1,778$1,323$969$701$501$221
28 years$1,696$1,246$901$642$452$192
29 years$1,620$1,176$838$589$408$167
30 years$1,549$1,111$781$540$369$145
31 years$1,483$1,050$728$496$334$126
32 years$1,421$993$679$456$302$110
33 years$1,363$941$634$419$273$96
34 years$1,308$892$593$386$247$83
35 years$1,257$846$554$355$224$73
36 years$1,209$803$518$327$203$63
37 years$1,163$762$485$301$184$55
38 years$1,120$724$454$278$167$48
39 years$1,079$689$426$256$151$42
40 years$1,040$655$399$236$137$36
41 years$1,004$624$374$218$124$32
42 years$969$594$351$201$113$28
43 years$936$566$329$186$102$24
44 years$904$540$309$171$93$21
45 years$874$515$290$158$84$18
46 years$845$491$273$146$77$16
47 years$818$468$256$135$70$14
48 years$792$447$241$125$63$12
49 years$767$427$226$115$57$11
50 years$743$408$213$107$52$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $761,000, adding $6,256 every year, while hoping to spend $31,094 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: 65/14/21 Blend
51$761,000$761,000$761,000$761,000
52$845,075$804,742$792,947$895,091
53$898,189$811,091$786,426$935,825
54$955,678$816,708$778,646$976,224
55$1,017,957$821,526$769,530$1,019,649
56$1,085,478$825,471$758,999$1,066,398
57$1,158,744$828,466$746,972$1,116,799
58$1,238,302$830,427$733,362$1,171,216
59$1,324,759$831,268$718,080$1,230,049
60$1,418,779$830,895$701,030$1,293,741
61$1,521,094$829,208$682,114$1,362,780
62$1,632,510$826,103$661,229$1,437,706
63$1,753,912$821,469$638,267$1,519,112
64$1,886,277$815,186$613,114$1,607,657
65$2,030,676$807,130$585,653$1,704,065
66$2,188,293$797,167$555,760$1,809,136
67$2,360,427$785,156$523,306$1,923,753
68$2,548,509$770,947$488,155$2,048,890
69$2,754,117$754,383$450,168$2,185,623
70$2,978,985$735,296$409,197$2,335,137
71$3,225,023$713,508$365,087$2,498,743
72$3,494,337$688,831$317,678$2,677,885
73$3,789,241$661,066$266,803$2,874,157
74$4,112,288$630,003$212,285$3,089,317
75$4,466,287$595,418$153,943$3,325,305
76$4,854,333$557,078$91,584$3,584,262
77$5,279,832$514,732$25,009$3,868,550
78$5,746,538$468,117$0$4,180,772
79$6,258,585$416,955$0$4,534,119
80$6,820,528$360,952$0$4,928,094
81$7,437,380$299,798$0$5,360,635
82$8,114,668$233,163$0$5,835,651
83$8,858,478$160,702$0$6,357,449
84$9,675,514$82,047$0$6,930,779
85$10,573,161$0$0$7,560,874
86$11,559,558$0$0$8,253,992
87$12,643,666$0$0$9,029,716
88$13,835,363$0$0$9,882,480
89$15,145,526$0$0$10,820,075
90$16,586,144$0$0$11,851,086
91$18,170,421$0$0$12,984,973
92$19,912,909$0$0$14,232,155
93$21,829,636$0$0$15,604,116
94$23,938,267$0$0$17,113,506
95$26,258,261$0$0$18,774,264
96$28,811,061$0$0$20,601,746
97$31,620,292$0$0$22,612,876
98$34,711,985$0$0$24,826,299
99$38,114,823$0$0$27,262,558
100$41,860,410$0$0$29,944,291