Can I retire at age 52 with 767,000?

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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$63,338$62,774$62,224$61,686$61,162$59,228
2 years$31,356$30,772$30,206$29,657$29,125$27,194
3 years$20,696$20,110$19,545$19,001$18,478$16,610
4 years$15,367$14,783$14,224$13,689$13,179$11,389
5 years$12,171$11,590$11,038$10,515$10,018$8,311
6 years$10,041$9,464$8,921$8,409$7,927$6,305
7 years$8,520$7,948$7,413$6,913$6,447$4,908
8 years$7,380$6,813$6,287$5,799$5,348$3,893
9 years$6,493$5,932$5,415$4,940$4,504$3,130
10 years$5,784$5,229$4,721$4,258$3,838$2,543
11 years$5,205$4,655$4,156$3,706$3,300$2,083
12 years$4,722$4,178$3,688$3,251$2,860$1,717
13 years$4,314$3,775$3,295$2,870$2,494$1,422
14 years$3,965$3,432$2,961$2,547$2,186$1,183
15 years$3,663$3,135$2,673$2,272$1,925$988
16 years$3,398$2,876$2,424$2,034$1,701$827
17 years$3,165$2,649$2,206$1,828$1,508$694
18 years$2,958$2,448$2,013$1,647$1,341$583
19 years$2,773$2,269$1,843$1,488$1,196$491
20 years$2,607$2,108$1,692$1,348$1,068$414
21 years$2,457$1,964$1,556$1,223$956$349
22 years$2,320$1,833$1,434$1,112$857$295
23 years$2,196$1,714$1,324$1,013$769$249
24 years$2,082$1,606$1,224$924$691$211
25 years$1,977$1,507$1,134$844$622$178
26 years$1,881$1,417$1,052$772$560$151
27 years$1,792$1,333$977$706$505$128
28 years$1,709$1,256$908$647$456$108
29 years$1,633$1,185$845$593$412$92
30 years$1,561$1,119$787$545$372$78
31 years$1,495$1,058$734$500$336$66
32 years$1,432$1,001$685$460$304$56
33 years$1,374$948$639$423$275$48
34 years$1,319$899$597$389$249$40
35 years$1,267$852$558$358$226$34
36 years$1,218$809$522$330$204$29
37 years$1,172$768$489$304$185$25
38 years$1,129$730$458$280$168$21
39 years$1,088$694$429$258$152$18
40 years$1,049$661$402$238$138$15
41 years$1,012$629$377$220$125$13
42 years$977$599$354$203$114$11
43 years$943$571$332$187$103$9
44 years$911$544$311$173$94$8
45 years$881$519$292$160$85$7
46 years$852$495$275$147$77$6
47 years$825$472$258$136$70$5
48 years$798$451$243$126$64$4
49 years$773$430$228$116$58$3
50 years$749$411$214$108$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $767,000, adding $5,126 every year, while hoping to spend $42,195 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: 50/29/21 Blend
51$767,000$767,000$767,000$767,000
52$850,521$809,870$797,982$887,816
53$892,380$804,659$779,819$908,978
54$937,093$797,778$759,634$927,243
55$984,908$789,101$737,313$946,211
56$1,036,096$778,494$712,741$965,964
57$1,090,953$765,815$685,793$986,597
58$1,149,804$750,915$656,341$1,008,214
59$1,213,007$733,632$624,251$1,030,936
60$1,280,953$713,799$589,383$1,054,897
61$1,354,073$691,238$551,589$1,080,246
62$1,432,838$665,758$510,717$1,107,155
63$1,517,767$637,160$466,606$1,135,813
64$1,609,431$605,233$419,089$1,166,434
65$1,708,456$569,752$367,992$1,199,256
66$1,815,529$530,481$313,130$1,234,548
67$1,931,408$487,169$254,314$1,272,609
68$2,056,922$439,551$191,345$1,313,773
69$2,192,988$387,348$124,014$1,358,414
70$2,340,609$330,265$52,105$1,406,949
71$2,500,892$267,988$0$1,459,843
72$2,675,052$200,189$0$1,523,135
73$2,864,427$126,518$0$1,604,700
74$3,070,488$46,607$0$1,693,550
75$3,294,856$0$0$1,790,457
76$3,539,311$0$0$1,909,023
77$3,805,814$0$0$2,054,570
78$4,096,524$0$0$2,213,415
79$4,413,815$0$0$2,386,863
80$4,760,303$0$0$2,576,356
81$5,138,865$0$0$2,783,477
82$5,552,670$0$0$3,009,970
83$6,005,207$0$0$3,257,757
84$6,500,318$0$0$3,528,953
85$7,042,230$0$0$3,825,886
86$7,635,603$0$0$4,151,121
87$8,285,564$0$0$4,507,483
88$8,997,761$0$0$4,898,081
89$9,778,416$0$0$5,326,342
90$10,634,378$0$0$5,796,037
91$11,573,193$0$0$6,311,324
92$12,603,171$0$0$6,876,779
93$13,733,467$0$0$7,497,443
94$14,974,164$0$0$8,178,872
95$16,336,368$0$0$8,927,181
96$17,832,314$0$0$9,749,112
97$19,475,480$0$0$10,652,087
98$21,280,713$0$0$11,644,285
99$23,264,371$0$0$12,734,716
100$25,444,471$0$0$13,933,307