Can I retire at age 52 with 764,000?

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 $764,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$63,090$62,528$61,980$61,445$60,922$59,210
2 years$31,233$30,651$30,087$29,541$29,011$27,298
3 years$20,615$20,031$19,469$18,927$18,406$16,747
4 years$15,307$14,725$14,168$13,636$13,127$11,535
5 years$12,123$11,544$10,995$10,474$9,979$8,458
6 years$10,001$9,427$8,886$8,376$7,896$6,447
7 years$8,486$7,917$7,384$6,886$6,422$5,045
8 years$7,351$6,786$6,262$5,777$5,327$4,023
9 years$6,468$5,908$5,394$4,920$4,486$3,252
10 years$5,762$5,208$4,702$4,242$3,823$2,657
11 years$5,185$4,636$4,140$3,691$3,288$2,189
12 years$4,704$4,161$3,674$3,238$2,849$1,815
13 years$4,298$3,761$3,282$2,859$2,484$1,513
14 years$3,950$3,418$2,949$2,537$2,178$1,267
15 years$3,648$3,123$2,663$2,263$1,917$1,064
16 years$3,385$2,865$2,414$2,026$1,695$896
17 years$3,153$2,639$2,197$1,821$1,503$757
18 years$2,946$2,438$2,005$1,641$1,336$641
19 years$2,762$2,260$1,836$1,483$1,191$543
20 years$2,597$2,100$1,685$1,343$1,064$461
21 years$2,447$1,956$1,550$1,219$952$392
22 years$2,311$1,826$1,428$1,108$853$333
23 years$2,187$1,708$1,319$1,009$766$284
24 years$2,074$1,600$1,220$920$688$242
25 years$1,970$1,501$1,130$840$619$206
26 years$1,874$1,411$1,048$769$558$176
27 years$1,785$1,328$973$703$503$150
28 years$1,703$1,251$904$644$454$128
29 years$1,626$1,181$842$591$410$109
30 years$1,555$1,115$784$542$370$93
31 years$1,489$1,054$731$498$335$80
32 years$1,427$997$682$458$303$68
33 years$1,368$944$637$421$274$58
34 years$1,313$895$595$387$248$50
35 years$1,262$849$556$357$225$43
36 years$1,213$806$520$328$204$36
37 years$1,168$765$487$303$185$31
38 years$1,124$727$456$279$167$27
39 years$1,083$692$427$257$152$23
40 years$1,045$658$400$237$138$19
41 years$1,008$626$376$219$125$17
42 years$973$597$352$202$113$14
43 years$939$568$331$186$103$12
44 years$908$542$310$172$93$10
45 years$878$517$291$159$85$9
46 years$849$493$274$147$77$8
47 years$821$470$257$136$70$7
48 years$795$449$242$125$63$6
49 years$770$429$227$116$58$5
50 years$746$410$213$107$52$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $764,000, adding $2,461 every year, while hoping to spend $54,000 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: 58/16/26 Blend
51$764,000$764,000$764,000$764,000
52$844,467$803,975$792,133$887,350
53$873,147$785,914$761,213$898,884
54$902,942$765,158$727,449$905,508
55$933,910$741,518$690,686$911,597
56$966,111$714,795$650,766$917,112
57$999,610$684,776$607,522$922,015
58$1,034,477$651,236$560,781$926,267
59$1,070,787$613,940$510,361$929,826
60$1,108,620$572,637$456,071$932,653
61$1,148,064$527,061$397,714$934,703
62$1,189,212$476,932$335,083$935,936
63$1,232,164$421,954$267,961$936,306
64$1,277,030$361,815$196,122$935,772
65$1,323,926$296,182$119,331$934,288
66$1,372,979$224,709$37,342$931,813
67$1,424,328$147,024$0$928,302
68$1,478,120$62,739$0$937,628
69$1,534,517$0$0$957,795
70$1,593,693$0$0$983,499
71$1,655,840$0$0$1,022,114
72$1,721,162$0$0$1,062,725
73$1,789,885$0$0$1,105,472
74$1,862,252$0$0$1,150,512
75$1,938,529$0$0$1,198,013
76$2,019,006$0$0$1,248,158
77$2,103,998$0$0$1,301,149
78$2,193,849$0$0$1,357,203
79$2,288,935$0$0$1,416,561
80$2,389,667$0$0$1,479,482
81$2,496,492$0$0$1,546,251
82$2,609,900$0$0$1,617,180
83$2,730,426$0$0$1,692,611
84$2,858,658$0$0$1,772,915
85$2,995,235$0$0$1,858,502
86$3,140,861$0$0$1,949,818
87$3,296,303$0$0$2,047,354
88$3,462,406$0$0$2,151,646
89$3,640,093$0$0$2,263,282
90$3,830,376$0$0$2,382,909
91$4,034,367$0$0$2,511,234
92$4,253,283$0$0$2,649,034
93$4,488,461$0$0$2,797,162
94$4,741,371$0$0$2,956,554
95$5,013,622$0$0$3,128,237
96$5,306,985$0$0$3,313,340
97$5,623,404$0$0$3,513,104
98$5,965,012$0$0$3,728,890
99$6,334,158$0$0$3,962,196
100$6,733,419$0$0$4,214,668