Can I retire at age 52 with 766,000?

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 $766,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$63,256$62,692$62,142$61,606$61,082$59,198
2 years$31,315$30,731$30,166$29,618$29,087$27,205
3 years$20,669$20,083$19,520$18,977$18,454$16,633
4 years$15,347$14,763$14,205$13,672$13,161$11,416
5 years$12,155$11,575$11,024$10,501$10,005$8,340
6 years$10,028$9,452$8,909$8,398$7,917$6,333
7 years$8,509$7,937$7,403$6,904$6,438$4,936
8 years$7,370$6,804$6,279$5,792$5,341$3,920
9 years$6,485$5,924$5,408$4,933$4,498$3,155
10 years$5,777$5,222$4,715$4,253$3,833$2,567
11 years$5,198$4,649$4,151$3,701$3,296$2,105
12 years$4,716$4,172$3,684$3,246$2,856$1,737
13 years$4,309$3,771$3,291$2,866$2,491$1,441
14 years$3,960$3,427$2,957$2,544$2,183$1,201
15 years$3,658$3,131$2,670$2,269$1,922$1,004
16 years$3,394$2,873$2,421$2,032$1,699$841
17 years$3,161$2,646$2,203$1,825$1,507$707
18 years$2,954$2,445$2,011$1,645$1,340$595
19 years$2,769$2,266$1,841$1,486$1,194$502
20 years$2,603$2,105$1,689$1,346$1,066$424
21 years$2,453$1,961$1,554$1,222$954$358
22 years$2,317$1,831$1,432$1,111$855$303
23 years$2,193$1,712$1,322$1,012$768$256
24 years$2,079$1,604$1,223$923$690$217
25 years$1,975$1,505$1,133$843$621$184
26 years$1,879$1,415$1,050$771$559$156
27 years$1,790$1,331$975$705$504$133
28 years$1,707$1,255$907$646$455$112
29 years$1,631$1,184$844$593$411$95
30 years$1,559$1,118$786$544$371$81
31 years$1,493$1,057$733$499$336$69
32 years$1,430$1,000$684$459$304$59
33 years$1,372$947$638$422$275$50
34 years$1,317$897$596$388$249$42
35 years$1,265$851$558$358$225$36
36 years$1,217$808$522$329$204$31
37 years$1,171$767$488$303$185$26
38 years$1,127$729$457$280$168$22
39 years$1,086$693$428$258$152$19
40 years$1,047$660$402$238$138$16
41 years$1,010$628$377$219$125$14
42 years$975$598$353$202$114$12
43 years$942$570$331$187$103$10
44 years$910$543$311$173$94$8
45 years$880$518$292$159$85$7
46 years$851$494$274$147$77$6
47 years$823$472$258$136$70$5
48 years$797$450$242$126$64$4
49 years$772$430$228$116$58$4
50 years$748$411$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 $766,000, adding $3,405 every year, while hoping to spend $23,973 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: 53/21/26 Blend
51$766,000$766,000$766,000$766,000
52$847,644$807,046$795,173$886,274
53$908,597$821,084$796,304$927,390
54$974,963$835,007$796,670$969,376
55$1,047,270$848,783$796,219$1,014,582
56$1,126,097$862,379$794,898$1,063,324
57$1,212,083$875,760$792,651$1,115,954
58$1,305,930$888,886$789,420$1,172,855
59$1,408,411$901,718$785,141$1,234,456
60$1,520,377$914,210$779,752$1,301,225
61$1,642,766$926,317$773,183$1,373,683
62$1,776,608$937,986$765,365$1,452,400
63$1,923,040$949,166$756,223$1,538,009
64$2,083,313$959,797$745,679$1,631,206
65$2,258,803$969,820$733,652$1,732,762
66$2,451,028$979,168$720,056$1,843,523
67$2,661,657$987,771$704,802$1,964,427
68$2,892,530$995,556$687,796$2,096,507
69$3,145,672$1,002,442$668,942$2,240,902
70$3,423,315$1,008,346$648,136$2,398,868
71$3,727,917$1,013,179$625,272$2,571,794
72$4,062,184$1,016,844$600,238$2,761,209
73$4,429,097$1,019,240$572,917$2,968,801
74$4,831,942$1,020,260$543,186$3,196,431
75$5,274,336$1,019,788$510,919$3,446,154
76$5,760,264$1,017,704$475,981$3,720,234
77$6,294,117$1,013,878$438,232$4,021,170
78$6,880,732$1,008,173$397,528$4,351,717
79$7,525,438$1,000,444$353,716$4,714,916
80$8,234,103$990,536$306,636$5,114,117
81$9,013,196$978,287$256,123$5,553,018
82$9,869,842$963,523$202,003$6,035,696
83$10,811,891$946,060$144,095$6,566,646
84$11,847,991$925,705$82,210$7,150,826
85$12,987,672$902,251$16,150$7,793,704
86$14,241,433$875,479$0$8,501,308
87$15,620,842$845,160$0$9,295,364
88$17,138,644$811,049$0$10,173,886
89$18,808,883$772,888$0$11,140,534
90$20,647,032$730,403$0$12,204,284
91$22,670,142$683,304$0$13,375,031
92$24,896,997$631,287$0$14,663,679
93$27,348,299$574,028$0$16,082,245
94$30,046,855$511,185$0$17,643,977
95$33,017,798$442,398$0$19,363,472
96$36,288,822$367,283$0$21,256,821
97$39,890,441$285,440$0$23,341,757
98$43,856,281$196,441$0$25,637,824
99$48,223,392$99,837$0$28,166,563
100$53,032,602$0$0$30,951,715