Can I retire at age 52 with 763,000?

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 $763,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$63,008$62,447$61,899$61,365$60,843$59,639
2 years$31,192$30,611$30,048$29,502$28,973$27,765
3 years$20,588$20,005$19,443$18,902$18,381$17,207
4 years$15,287$14,706$14,150$13,618$13,110$11,978
5 years$12,107$11,529$10,981$10,460$9,966$8,880
6 years$9,988$9,415$8,874$8,365$7,886$6,847
7 years$8,475$7,906$7,374$6,877$6,413$5,422
8 years$7,341$6,777$6,254$5,769$5,320$4,377
9 years$6,459$5,901$5,387$4,914$4,480$3,583
10 years$5,754$5,201$4,696$4,236$3,818$2,966
11 years$5,178$4,630$4,134$3,687$3,283$2,476
12 years$4,698$4,156$3,669$3,234$2,845$2,082
13 years$4,292$3,756$3,278$2,855$2,481$1,760
14 years$3,944$3,414$2,945$2,534$2,175$1,495
15 years$3,643$3,119$2,659$2,260$1,915$1,274
16 years$3,380$2,861$2,411$2,024$1,692$1,090
17 years$3,148$2,635$2,194$1,818$1,501$934
18 years$2,943$2,435$2,003$1,639$1,334$803
19 years$2,759$2,257$1,834$1,481$1,189$691
20 years$2,593$2,097$1,683$1,341$1,062$596
21 years$2,444$1,953$1,548$1,217$951$515
22 years$2,308$1,823$1,426$1,107$852$445
23 years$2,184$1,705$1,317$1,008$765$385
24 years$2,071$1,598$1,218$919$688$334
25 years$1,967$1,499$1,128$839$619$289
26 years$1,871$1,409$1,046$767$557$251
27 years$1,783$1,326$972$703$502$218
28 years$1,701$1,250$903$644$453$189
29 years$1,624$1,179$841$590$409$164
30 years$1,553$1,113$783$542$370$143
31 years$1,487$1,053$730$497$334$124
32 years$1,425$996$681$457$302$108
33 years$1,366$943$636$420$274$94
34 years$1,312$894$594$387$248$82
35 years$1,260$848$555$356$224$71
36 years$1,212$805$520$328$203$62
37 years$1,166$764$486$302$184$54
38 years$1,123$726$455$279$167$47
39 years$1,082$691$427$257$152$41
40 years$1,043$657$400$237$137$35
41 years$1,006$626$375$219$125$31
42 years$971$596$352$202$113$27
43 years$938$568$330$186$103$23
44 years$907$541$310$172$93$20
45 years$876$516$291$159$85$18
46 years$848$492$273$147$77$15
47 years$820$470$257$135$70$13
48 years$794$448$241$125$63$12
49 years$769$428$227$116$58$10
50 years$745$409$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 $763,000, adding $3,922 every year, while hoping to spend $33,293 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: 74/7/19 Blend
51$763,000$763,000$763,000$763,000
52$844,872$804,433$792,606$903,340
53$895,625$808,426$783,735$946,646
54$950,439$811,500$773,451$989,647
55$1,009,694$813,573$761,671$1,035,905
56$1,073,805$814,560$748,309$1,085,737
57$1,143,231$814,372$733,275$1,139,491
58$1,218,475$812,911$716,475$1,197,552
59$1,300,091$810,075$697,808$1,260,346
60$1,388,688$805,756$677,172$1,328,340
61$1,484,935$799,839$654,459$1,402,051
62$1,589,570$792,202$629,554$1,482,049
63$1,703,402$782,716$602,340$1,568,962
64$1,827,323$771,243$572,693$1,663,483
65$1,962,315$757,639$540,483$1,766,377
66$2,109,457$741,749$505,575$1,878,484
67$2,269,937$723,411$467,828$2,000,737
68$2,445,064$702,452$427,093$2,134,158
69$2,636,277$678,688$383,218$2,279,880
70$2,845,162$651,928$336,039$2,439,148
71$3,073,461$621,966$285,390$2,613,337
72$3,323,098$588,585$231,094$2,803,964
73$3,596,185$551,558$172,967$3,012,700
74$3,895,053$510,641$110,818$3,241,389
75$4,222,265$465,579$44,447$3,492,065
76$4,580,645$416,101$0$3,766,969
77$4,973,303$361,922$0$4,073,921
78$5,403,663$302,740$0$4,420,265
79$5,875,497$238,234$0$4,800,030
80$6,392,959$168,068$0$5,216,580
81$6,960,623$91,887$0$5,673,618
82$7,583,531$9,313$0$6,175,228
83$8,267,232$0$0$6,725,906
84$9,017,841$0$0$7,336,774
85$9,842,094$0$0$8,008,397
86$10,747,411$0$0$8,746,109
87$11,741,964$0$0$9,556,575
88$12,834,759$0$0$10,447,136
89$14,035,716$0$0$11,425,882
90$15,355,762$0$0$12,501,725
91$16,806,937$0$0$13,684,480
92$18,402,506$0$0$14,984,966
93$20,157,083$0$0$16,415,098
94$22,086,769$0$0$17,988,006
95$24,209,303$0$0$19,718,156
96$26,544,230$0$0$21,621,485
97$29,113,086$0$0$23,715,554
98$31,939,597$0$0$26,019,712
99$35,049,908$0$0$28,555,277
100$38,472,822$0$0$31,345,738