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%13.9%
1 years$63,173$62,610$62,061$61,525$61,002$60,016
2 years$31,274$30,691$30,127$29,580$29,049$28,058
3 years$20,642$20,057$19,494$18,952$18,430$17,465
4 years$15,327$14,744$14,187$13,654$13,144$12,213
5 years$12,139$11,560$11,009$10,487$9,992$9,097
6 years$10,015$9,439$8,897$8,387$7,906$7,049
7 years$8,498$7,927$7,394$6,895$6,430$5,610
8 years$7,360$6,795$6,270$5,784$5,334$4,552
9 years$6,476$5,916$5,401$4,927$4,492$3,747
10 years$5,769$5,215$4,708$4,247$3,828$3,119
11 years$5,191$4,642$4,145$3,696$3,292$2,619
12 years$4,710$4,167$3,679$3,242$2,853$2,214
13 years$4,303$3,766$3,287$2,862$2,488$1,883
14 years$3,955$3,423$2,953$2,541$2,181$1,609
15 years$3,653$3,127$2,666$2,266$1,920$1,380
16 years$3,389$2,869$2,417$2,029$1,697$1,188
17 years$3,157$2,642$2,200$1,823$1,505$1,025
18 years$2,950$2,441$2,008$1,643$1,338$887
19 years$2,766$2,263$1,838$1,484$1,192$768
20 years$2,600$2,103$1,687$1,344$1,065$667
21 years$2,450$1,958$1,552$1,220$953$580
22 years$2,314$1,828$1,430$1,109$854$505
23 years$2,190$1,710$1,321$1,010$767$440
24 years$2,077$1,602$1,221$922$689$384
25 years$1,972$1,503$1,131$842$620$335
26 years$1,876$1,413$1,049$770$559$293
27 years$1,787$1,330$974$704$504$256
28 years$1,705$1,253$906$645$455$224
29 years$1,628$1,182$843$592$410$196
30 years$1,557$1,116$785$543$371$172
31 years$1,491$1,055$732$499$335$150
32 years$1,428$999$683$458$303$132
33 years$1,370$946$638$422$274$115
34 years$1,315$896$596$388$249$101
35 years$1,264$850$557$357$225$89
36 years$1,215$807$521$329$204$78
37 years$1,169$766$488$303$185$68
38 years$1,126$728$457$279$168$60
39 years$1,085$693$428$257$152$52
40 years$1,046$659$401$237$138$46
41 years$1,009$627$376$219$125$40
42 years$974$597$353$202$113$35
43 years$941$569$331$187$103$31
44 years$909$542$311$172$93$27
45 years$879$517$292$159$85$24
46 years$850$493$274$147$77$21
47 years$822$471$257$136$70$18
48 years$796$450$242$126$64$16
49 years$771$429$227$116$58$14
50 years$747$410$214$107$52$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $765,000, adding $4,474 every year, while hoping to spend $29,849 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: 45/46/9 Blend
51$765,000$765,000$765,000$765,000
52$847,645$807,100$795,242$883,445
53$902,346$814,889$790,124$916,452
54$961,625$822,059$783,834$948,795
55$1,025,920$828,548$776,301$983,183
56$1,095,708$834,291$767,451$1,019,815
57$1,171,516$839,218$757,207$1,058,911
58$1,253,924$843,253$745,487$1,100,716
59$1,343,570$846,318$732,206$1,145,498
60$1,441,154$848,328$717,275$1,193,557
61$1,547,450$849,193$700,601$1,245,225
62$1,663,305$848,819$682,087$1,300,866
63$1,789,655$847,104$661,629$1,360,887
64$1,927,528$843,940$639,122$1,425,736
65$2,078,057$839,215$614,454$1,495,909
66$2,242,489$832,806$587,509$1,571,956
67$2,422,196$824,587$558,163$1,654,484
68$2,618,688$814,420$526,290$1,744,164
69$2,833,629$802,162$491,756$1,841,740
70$3,068,852$787,660$454,422$1,948,034
71$3,326,372$770,752$414,142$2,063,954
72$3,608,411$751,268$370,765$2,190,505
73$3,917,414$729,026$324,131$2,328,799
74$4,256,076$703,833$274,075$2,480,062
75$4,627,362$675,488$220,423$2,645,651
76$5,034,540$643,774$162,994$2,827,067
77$5,481,209$608,464$101,600$3,025,967
78$5,971,332$569,319$36,043$3,244,183
79$6,509,275$526,083$0$3,483,737
80$7,099,848$478,488$0$3,750,122
81$7,748,348$426,249$0$4,046,456
82$8,460,611$369,067$0$4,372,023
83$9,243,066$306,624$0$4,729,858
84$10,102,794$238,584$0$5,123,311
85$11,047,598$164,594$0$5,556,080
86$12,086,074$84,279$0$6,032,246
87$13,227,689$0$0$6,556,316
88$14,482,878$0$0$7,134,656
89$15,863,134$0$0$7,817,632
90$17,381,121$0$0$8,568,861
91$19,050,791$0$0$9,395,262
92$20,887,516$0$0$10,304,455
93$22,908,234$0$0$11,304,838
94$25,131,606$0$0$12,405,665
95$27,578,193$0$0$13,617,129
96$30,270,653$0$0$14,950,465
97$33,233,947$0$0$16,418,049
98$36,495,582$0$0$18,033,519
99$40,085,864$0$0$19,811,904
100$44,038,188$0$0$21,769,761