Can I retire at age 52 with 762,000?

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 $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%15%
1 years$62,925$62,365$61,818$61,284$60,763$59,512
2 years$31,151$30,571$30,009$29,464$28,935$27,680
3 years$20,561$19,978$19,418$18,878$18,357$17,138
4 years$15,267$14,686$14,131$13,600$13,093$11,918
5 years$12,092$11,514$10,966$10,446$9,953$8,827
6 years$9,975$9,402$8,862$8,354$7,875$6,798
7 years$8,464$7,896$7,365$6,868$6,405$5,378
8 years$7,331$6,768$6,246$5,762$5,313$4,335
9 years$6,451$5,893$5,380$4,908$4,475$3,545
10 years$5,747$5,194$4,690$4,230$3,813$2,931
11 years$5,171$4,624$4,129$3,682$3,279$2,444
12 years$4,692$4,151$3,664$3,229$2,841$2,052
13 years$4,286$3,751$3,274$2,851$2,478$1,732
14 years$3,939$3,409$2,942$2,531$2,172$1,469
15 years$3,639$3,115$2,656$2,257$1,912$1,251
16 years$3,376$2,858$2,408$2,021$1,690$1,068
17 years$3,144$2,632$2,191$1,816$1,499$915
18 years$2,939$2,432$2,000$1,636$1,333$785
19 years$2,755$2,254$1,831$1,479$1,188$675
20 years$2,590$2,094$1,680$1,339$1,061$581
21 years$2,441$1,951$1,546$1,215$949$501
22 years$2,305$1,821$1,425$1,105$851$432
23 years$2,181$1,703$1,315$1,006$764$374
24 years$2,068$1,596$1,217$918$687$323
25 years$1,965$1,497$1,127$838$618$280
26 years$1,869$1,407$1,045$766$557$242
27 years$1,780$1,325$970$702$502$210
28 years$1,698$1,248$902$643$453$182
29 years$1,622$1,177$839$589$409$158
30 years$1,551$1,112$782$541$369$137
31 years$1,485$1,051$729$497$334$119
32 years$1,423$995$680$457$302$103
33 years$1,365$942$635$420$273$90
34 years$1,310$893$593$386$248$78
35 years$1,259$847$555$356$224$68
36 years$1,210$804$519$328$203$59
37 years$1,165$763$486$302$184$51
38 years$1,121$725$455$278$167$44
39 years$1,080$690$426$256$151$38
40 years$1,042$656$399$237$137$33
41 years$1,005$625$375$218$125$29
42 years$970$595$351$201$113$25
43 years$937$567$330$186$103$22
44 years$905$540$309$172$93$19
45 years$875$515$291$159$85$17
46 years$847$492$273$146$77$14
47 years$819$469$256$135$70$13
48 years$793$448$241$125$63$11
49 years$768$428$226$116$57$9
50 years$744$409$213$107$52$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $762,000, adding $2,787 every year, while hoping to spend $39,100 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: 57/31/12 Blend
51$762,000$762,000$762,000$762,000
52$842,599$802,213$790,402$887,945
53$886,942$799,919$775,278$916,617
54$934,497$796,203$758,337$943,281
55$985,552$790,952$739,477$971,408
56$1,040,419$784,050$718,591$1,001,146
57$1,099,445$775,372$695,567$1,032,656
58$1,163,008$764,785$670,288$1,066,119
59$1,231,524$752,148$642,632$1,101,736
60$1,305,451$737,314$612,471$1,139,730
61$1,385,289$720,125$579,672$1,180,348
62$1,471,592$700,415$544,094$1,223,866
63$1,564,965$678,006$505,591$1,270,589
64$1,666,075$652,712$464,012$1,320,857
65$1,775,655$624,335$419,197$1,375,045
66$1,894,511$592,666$370,980$1,433,572
67$2,023,529$557,485$319,185$1,496,901
68$2,163,684$518,557$263,633$1,565,546
69$2,316,048$475,634$204,133$1,640,076
70$2,481,800$428,456$140,487$1,721,123
71$2,662,239$376,746$72,489$1,809,387
72$2,858,793$320,212$0$1,905,643
73$3,073,033$258,545$0$2,010,761
74$3,306,688$191,420$0$2,135,587
75$3,561,663$118,492$0$2,271,914
76$3,840,053$39,398$0$2,420,941
77$4,144,164$0$0$2,583,990
78$4,476,536$0$0$2,778,300
79$4,839,964$0$0$3,005,526
80$5,237,527$0$0$3,254,159
81$5,672,614$0$0$3,526,329
82$6,148,956$0$0$3,824,378
83$6,670,665$0$0$4,150,885
84$7,242,264$0$0$4,508,694
85$7,868,739$0$0$4,900,934
86$8,555,580$0$0$5,331,051
87$9,308,831$0$0$5,802,843
88$10,135,153$0$0$6,320,489
89$11,041,878$0$0$6,888,597
90$12,037,088$0$0$7,512,240
91$13,129,681$0$0$8,197,006
92$14,329,459$0$0$8,949,051
93$15,647,222$0$0$9,775,157
94$17,094,866$0$0$10,682,795
95$18,685,496$0$0$11,680,196
96$20,433,550$0$0$12,776,425
97$22,354,932$0$0$13,981,473
98$24,467,165$0$0$15,306,344
99$26,789,555$0$0$16,763,162
100$29,343,371$0$0$18,365,287