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%16.1%
1 years$62,925$62,365$61,818$61,284$60,763$59,246
2 years$31,151$30,571$30,009$29,464$28,935$27,416
3 years$20,561$19,978$19,418$18,878$18,357$16,884
4 years$15,267$14,686$14,131$13,600$13,093$11,677
5 years$12,092$11,514$10,966$10,446$9,953$8,598
6 years$9,975$9,402$8,862$8,354$7,875$6,583
7 years$8,464$7,896$7,365$6,868$6,405$5,175
8 years$7,331$6,768$6,246$5,762$5,313$4,145
9 years$6,451$5,893$5,380$4,908$4,475$3,367
10 years$5,747$5,194$4,690$4,230$3,813$2,765
11 years$5,171$4,624$4,129$3,682$3,279$2,290
12 years$4,692$4,151$3,664$3,229$2,841$1,909
13 years$4,286$3,751$3,274$2,851$2,478$1,600
14 years$3,939$3,409$2,942$2,531$2,172$1,346
15 years$3,639$3,115$2,656$2,257$1,912$1,137
16 years$3,376$2,858$2,408$2,021$1,690$964
17 years$3,144$2,632$2,191$1,816$1,499$819
18 years$2,939$2,432$2,000$1,636$1,333$697
19 years$2,755$2,254$1,831$1,479$1,188$594
20 years$2,590$2,094$1,680$1,339$1,061$507
21 years$2,441$1,951$1,546$1,215$949$434
22 years$2,305$1,821$1,425$1,105$851$371
23 years$2,181$1,703$1,315$1,006$764$318
24 years$2,068$1,596$1,217$918$687$273
25 years$1,965$1,497$1,127$838$618$234
26 years$1,869$1,407$1,045$766$557$201
27 years$1,780$1,325$970$702$502$173
28 years$1,698$1,248$902$643$453$148
29 years$1,622$1,177$839$589$409$127
30 years$1,551$1,112$782$541$369$110
31 years$1,485$1,051$729$497$334$94
32 years$1,423$995$680$457$302$81
33 years$1,365$942$635$420$273$70
34 years$1,310$893$593$386$248$60
35 years$1,259$847$555$356$224$52
36 years$1,210$804$519$328$203$44
37 years$1,165$763$486$302$184$38
38 years$1,121$725$455$278$167$33
39 years$1,080$690$426$256$151$28
40 years$1,042$656$399$237$137$24
41 years$1,005$625$375$218$125$21
42 years$970$595$351$201$113$18
43 years$937$567$330$186$103$16
44 years$905$540$309$172$93$13
45 years$875$515$291$159$85$12
46 years$847$492$273$146$77$10
47 years$819$469$256$135$70$9
48 years$793$448$241$125$63$7
49 years$768$428$226$116$57$6
50 years$744$409$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 $762,000, adding $5,378 every year, while hoping to spend $26,529 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: 69/10/21 Blend
51$762,000$762,000$762,000$762,000
52$845,271$804,885$793,074$898,828
53$903,262$816,098$791,416$946,520
54$966,279$826,971$788,812$995,085
55$1,034,807$837,460$785,205$1,047,585
56$1,109,378$847,516$780,530$1,104,406
57$1,190,580$857,090$774,723$1,165,974
58$1,279,058$866,126$767,715$1,232,761
59$1,375,522$874,566$759,434$1,305,284
60$1,480,755$882,349$749,804$1,384,115
61$1,595,616$889,409$738,747$1,469,885
62$1,721,054$895,675$726,180$1,563,290
63$1,858,111$901,073$712,017$1,665,094
64$2,007,936$905,523$696,167$1,776,144
65$2,171,792$908,940$678,535$1,897,372
66$2,351,071$911,235$659,022$2,029,804
67$2,547,307$912,311$637,525$2,174,575
68$2,762,185$912,068$613,936$2,332,932
69$2,997,566$910,396$588,140$2,506,253
70$3,255,494$907,183$560,020$2,696,057
71$3,538,225$902,306$529,451$2,904,018
72$3,848,241$895,635$496,305$3,131,982
73$4,188,276$887,035$460,445$3,381,984
74$4,561,340$876,361$421,730$3,656,269
75$4,970,752$863,458$380,013$3,957,310
76$5,420,165$848,163$335,140$4,287,836
77$5,913,604$830,305$286,949$4,650,854
78$6,455,501$809,700$235,271$5,049,679
79$7,050,741$786,154$179,932$5,487,966
80$7,704,705$759,464$120,748$5,969,746
81$8,423,319$729,411$57,527$6,499,460
82$9,213,112$695,767$0$7,082,008
83$10,081,278$658,288$0$7,725,015
84$11,035,743$616,719$0$8,446,107
85$12,085,238$570,788$0$9,238,990
86$13,239,383$520,207$0$10,110,950
87$14,508,776$464,673$0$11,070,012
88$15,905,095$403,866$0$12,125,022
89$17,441,206$337,446$0$13,285,728
90$19,131,285$265,057$0$14,562,871
91$20,990,950$186,319$0$15,968,286
92$23,037,412$100,834$0$17,515,018
93$25,289,633$8,179$0$19,217,441
94$27,768,506$0$0$21,091,394
95$30,497,053$0$0$23,164,467
96$33,500,641$0$0$25,447,551
97$36,807,221$0$0$27,961,000
98$40,447,591$0$0$30,728,231
99$44,455,690$0$0$33,775,049
100$48,868,911$0$0$37,129,887