Can I retire at age 52 with 762,000?

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 $762,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$62,925$62,365$61,818$61,284$60,763$59,929
2 years$31,151$30,571$30,009$29,464$28,935$28,096
3 years$20,561$19,978$19,418$18,878$18,357$17,540
4 years$15,267$14,686$14,131$13,600$13,093$12,303
5 years$12,092$11,514$10,966$10,446$9,953$9,193
6 years$9,975$9,402$8,862$8,354$7,875$7,146
7 years$8,464$7,896$7,365$6,868$6,405$5,707
8 years$7,331$6,768$6,246$5,762$5,313$4,646
9 years$6,451$5,893$5,380$4,908$4,475$3,838
10 years$5,747$5,194$4,690$4,230$3,813$3,206
11 years$5,171$4,624$4,129$3,682$3,279$2,702
12 years$4,692$4,151$3,664$3,229$2,841$2,294
13 years$4,286$3,751$3,274$2,851$2,478$1,958
14 years$3,939$3,409$2,942$2,531$2,172$1,680
15 years$3,639$3,115$2,656$2,257$1,912$1,447
16 years$3,376$2,858$2,408$2,021$1,690$1,251
17 years$3,144$2,632$2,191$1,816$1,499$1,084
18 years$2,939$2,432$2,000$1,636$1,333$942
19 years$2,755$2,254$1,831$1,479$1,188$820
20 years$2,590$2,094$1,680$1,339$1,061$715
21 years$2,441$1,951$1,546$1,215$949$624
22 years$2,305$1,821$1,425$1,105$851$546
23 years$2,181$1,703$1,315$1,006$764$478
24 years$2,068$1,596$1,217$918$687$419
25 years$1,965$1,497$1,127$838$618$368
26 years$1,869$1,407$1,045$766$557$323
27 years$1,780$1,325$970$702$502$283
28 years$1,698$1,248$902$643$453$249
29 years$1,622$1,177$839$589$409$219
30 years$1,551$1,112$782$541$369$193
31 years$1,485$1,051$729$497$334$170
32 years$1,423$995$680$457$302$149
33 years$1,365$942$635$420$273$132
34 years$1,310$893$593$386$248$116
35 years$1,259$847$555$356$224$102
36 years$1,210$804$519$328$203$90
37 years$1,165$763$486$302$184$79
38 years$1,121$725$455$278$167$70
39 years$1,080$690$426$256$151$62
40 years$1,042$656$399$237$137$54
41 years$1,005$625$375$218$125$48
42 years$970$595$351$201$113$42
43 years$937$567$330$186$103$37
44 years$905$540$309$172$93$33
45 years$875$515$291$159$85$29
46 years$847$492$273$146$77$26
47 years$819$469$256$135$70$23
48 years$793$448$241$125$63$20
49 years$768$428$226$116$57$18
50 years$744$409$213$107$52$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $762,000, adding $3,360 every year, while hoping to spend $33,394 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: 67/20/13 Blend
51$762,000$762,000$762,000$762,000
52$843,190$802,804$790,993$896,977
53$893,664$806,610$781,960$937,046
54$948,168$809,484$771,506$976,579
55$1,007,076$811,344$759,546$1,018,952
56$1,070,803$812,104$745,996$1,064,441
57$1,139,801$811,674$730,763$1,113,349
58$1,214,569$809,955$713,752$1,166,013
59$1,295,657$806,845$694,865$1,222,801
60$1,383,668$802,234$673,997$1,284,123
61$1,479,266$796,007$651,039$1,350,430
62$1,583,180$788,040$625,878$1,422,221
63$1,696,214$778,204$598,394$1,500,044
64$1,819,251$766,359$568,464$1,584,507
65$1,953,263$752,359$535,956$1,676,279
66$2,099,321$736,050$500,736$1,776,099
67$2,258,602$717,266$462,661$1,884,785
68$2,432,402$695,835$421,582$2,003,235
69$2,622,147$671,571$377,345$2,132,444
70$2,829,408$644,279$329,788$2,273,510
71$3,055,913$613,755$278,741$2,427,641
72$3,303,566$579,778$224,029$2,596,175
73$3,574,461$542,119$165,466$2,780,586
74$3,870,907$500,534$102,860$2,982,499
75$4,195,444$454,764$36,009$3,203,711
76$4,550,869$404,537$0$3,446,200
77$4,940,263$349,565$0$3,717,054
78$5,367,020$289,544$0$4,019,430
79$5,834,875$224,151$0$4,351,021
80$6,347,945$153,047$0$4,714,794
81$6,910,762$75,873$0$5,114,019
82$7,528,320$0$0$5,552,304
83$8,206,117$0$0$6,035,331
84$8,950,211$0$0$6,583,983
85$9,767,276$0$0$7,186,489
86$10,664,662$0$0$7,848,275
87$11,650,467$0$0$8,575,319
88$12,733,611$0$0$9,374,207
89$13,923,922$0$0$10,252,194
90$15,232,226$0$0$11,217,273
91$16,670,452$0$0$12,278,250
92$18,251,739$0$0$13,444,826
93$19,990,566$0$0$14,727,690
94$21,902,884$0$0$16,138,618
95$24,006,267$0$0$17,690,585
96$26,320,077$0$0$19,397,886
97$28,865,648$0$0$21,276,272
98$31,666,487$0$0$23,343,097
99$34,748,493$0$0$25,617,483
100$38,140,201$0$0$28,120,497