Can I retire at age 52 with 765,000?

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 $765,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$63,173$62,610$62,061$61,525$61,002$59,026
2 years$31,274$30,691$30,127$29,580$29,049$27,076
3 years$20,642$20,057$19,494$18,952$18,430$16,523
4 years$15,327$14,744$14,187$13,654$13,144$11,318
5 years$12,139$11,560$11,009$10,487$9,992$8,251
6 years$10,015$9,439$8,897$8,387$7,906$6,251
7 years$8,498$7,927$7,394$6,895$6,430$4,861
8 years$7,360$6,795$6,270$5,784$5,334$3,851
9 years$6,476$5,916$5,401$4,927$4,492$3,093
10 years$5,769$5,215$4,708$4,247$3,828$2,509
11 years$5,191$4,642$4,145$3,696$3,292$2,053
12 years$4,710$4,167$3,679$3,242$2,853$1,690
13 years$4,303$3,766$3,287$2,862$2,488$1,398
14 years$3,955$3,423$2,953$2,541$2,181$1,162
15 years$3,653$3,127$2,666$2,266$1,920$968
16 years$3,389$2,869$2,417$2,029$1,697$809
17 years$3,157$2,642$2,200$1,823$1,505$678
18 years$2,950$2,441$2,008$1,643$1,338$569
19 years$2,766$2,263$1,838$1,484$1,192$478
20 years$2,600$2,103$1,687$1,344$1,065$403
21 years$2,450$1,958$1,552$1,220$953$339
22 years$2,314$1,828$1,430$1,109$854$286
23 years$2,190$1,710$1,321$1,010$767$241
24 years$2,077$1,602$1,221$922$689$204
25 years$1,972$1,503$1,131$842$620$172
26 years$1,876$1,413$1,049$770$559$146
27 years$1,787$1,330$974$704$504$123
28 years$1,705$1,253$906$645$455$104
29 years$1,628$1,182$843$592$410$88
30 years$1,557$1,116$785$543$371$75
31 years$1,491$1,055$732$499$335$63
32 years$1,428$999$683$458$303$53
33 years$1,370$946$638$422$274$45
34 years$1,315$896$596$388$249$38
35 years$1,264$850$557$357$225$32
36 years$1,215$807$521$329$204$28
37 years$1,169$766$488$303$185$23
38 years$1,126$728$457$279$168$20
39 years$1,085$693$428$257$152$17
40 years$1,046$659$401$237$138$14
41 years$1,009$627$376$219$125$12
42 years$974$597$353$202$113$10
43 years$941$569$331$187$103$9
44 years$909$542$311$172$93$7
45 years$879$517$292$159$85$6
46 years$850$493$274$147$77$5
47 years$822$471$257$136$70$4
48 years$796$450$242$126$64$4
49 years$771$429$227$116$58$3
50 years$747$410$214$107$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $765,000, adding $5,169 every year, while hoping to spend $58,499 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: 51/31/18 Blend
51$765,000$765,000$765,000$765,000
52$848,362$807,817$795,959$887,172
53$872,652$785,157$760,381$891,786
54$897,460$759,427$721,651$890,299
55$922,775$730,413$679,601$887,418
56$948,586$697,892$634,056$883,029
57$974,879$661,625$584,833$877,013
58$1,001,633$621,362$531,742$869,242
59$1,028,827$576,836$474,583$859,581
60$1,056,434$527,767$413,147$847,883
61$1,084,420$473,857$347,218$833,994
62$1,112,748$414,793$276,566$817,749
63$1,141,373$350,243$200,957$798,970
64$1,170,245$279,857$120,140$777,469
65$1,199,303$203,263$33,859$753,044
66$1,228,481$120,072$0$725,481
67$1,257,701$29,871$0$705,730
68$1,286,875$0$0$690,030
69$1,315,902$0$0$694,787
70$1,344,670$0$0$709,545
71$1,373,051$0$0$724,040
72$1,400,899$0$0$738,191
73$1,428,054$0$0$751,905
74$1,454,333$0$0$765,077
75$1,479,532$0$0$777,592
76$1,503,422$0$0$789,320
77$1,525,748$0$0$800,115
78$1,546,224$0$0$809,816
79$1,564,531$0$0$818,240
80$1,580,314$0$0$825,187
81$1,593,177$0$0$830,432
82$1,602,680$0$0$833,727
83$1,608,333$0$0$834,793
84$1,609,591$0$0$833,323
85$1,605,849$0$0$828,974
86$1,596,436$0$0$821,367
87$1,580,607$0$0$810,081
88$1,557,536$0$0$794,649
89$1,526,306$0$0$774,555
90$1,485,902$0$0$749,225
91$1,435,200$0$0$718,024
92$1,372,956$0$0$680,251
93$1,297,791$0$0$635,128
94$1,208,179$0$0$581,795
95$1,102,435$0$0$519,303
96$978,692$0$0$446,597
97$834,887$0$0$362,518
98$668,740$0$0$265,778
99$477,730$0$0$154,960
100$259,071$0$0$28,493