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%19.7%
1 years$63,338$62,774$62,224$61,686$61,162$58,781
2 years$31,356$30,772$30,206$29,657$29,125$26,755
3 years$20,696$20,110$19,545$19,001$18,478$16,194
4 years$15,367$14,783$14,224$13,689$13,179$10,998
5 years$12,171$11,590$11,038$10,515$10,018$7,946
6 years$10,041$9,464$8,921$8,409$7,927$5,965
7 years$8,520$7,948$7,413$6,913$6,447$4,593
8 years$7,380$6,813$6,287$5,799$5,348$3,602
9 years$6,493$5,932$5,415$4,940$4,504$2,863
10 years$5,784$5,229$4,721$4,258$3,838$2,298
11 years$5,205$4,655$4,156$3,706$3,300$1,859
12 years$4,722$4,178$3,688$3,251$2,860$1,513
13 years$4,314$3,775$3,295$2,870$2,494$1,238
14 years$3,965$3,432$2,961$2,547$2,186$1,016
15 years$3,663$3,135$2,673$2,272$1,925$837
16 years$3,398$2,876$2,424$2,034$1,701$691
17 years$3,165$2,649$2,206$1,828$1,508$572
18 years$2,958$2,448$2,013$1,647$1,341$474
19 years$2,773$2,269$1,843$1,488$1,196$393
20 years$2,607$2,108$1,692$1,348$1,068$327
21 years$2,457$1,964$1,556$1,223$956$272
22 years$2,320$1,833$1,434$1,112$857$226
23 years$2,196$1,714$1,324$1,013$769$188
24 years$2,082$1,606$1,224$924$691$157
25 years$1,977$1,507$1,134$844$622$131
26 years$1,881$1,417$1,052$772$560$109
27 years$1,792$1,333$977$706$505$91
28 years$1,709$1,256$908$647$456$76
29 years$1,633$1,185$845$593$412$63
30 years$1,561$1,119$787$545$372$53
31 years$1,495$1,058$734$500$336$44
32 years$1,432$1,001$685$460$304$37
33 years$1,374$948$639$423$275$31
34 years$1,319$899$597$389$249$26
35 years$1,267$852$558$358$226$21
36 years$1,218$809$522$330$204$18
37 years$1,172$768$489$304$185$15
38 years$1,129$730$458$280$168$12
39 years$1,088$694$429$258$152$10
40 years$1,049$661$402$238$138$9
41 years$1,012$629$377$220$125$7
42 years$977$599$354$203$114$6
43 years$943$571$332$187$103$5
44 years$911$544$311$173$94$4
45 years$881$519$292$160$85$4
46 years$852$495$275$147$77$3
47 years$825$472$258$136$70$2
48 years$798$451$243$126$64$2
49 years$773$430$228$116$58$2
50 years$749$411$214$108$53$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $767,000, adding $5,965 every year, while hoping to spend $36,723 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: 64/21/15 Blend
51$767,000$767,000$767,000$767,000
52$851,387$810,736$798,847$902,409
53$899,155$811,389$786,536$937,979
54$950,565$810,843$772,581$972,053
55$1,005,950$809,001$756,889$1,008,378
56$1,065,674$805,759$739,362$1,047,175
57$1,130,139$801,008$719,897$1,088,685
58$1,199,786$794,630$698,386$1,133,179
59$1,275,100$786,503$674,718$1,180,952
60$1,356,613$776,494$648,774$1,232,335
61$1,444,911$764,467$620,432$1,287,690
62$1,540,639$750,272$589,563$1,347,419
63$1,644,503$733,755$556,033$1,411,967
64$1,757,284$714,750$519,701$1,481,825
65$1,879,837$693,082$480,421$1,557,536
66$2,013,104$668,567$438,039$1,639,701
67$2,158,123$641,009$392,395$1,728,981
68$2,316,033$610,201$343,323$1,826,111
69$2,488,091$575,923$290,646$1,931,901
70$2,675,677$537,944$234,184$2,047,245
71$2,880,311$496,019$173,744$2,173,132
72$3,103,668$449,888$109,129$2,310,655
73$3,347,587$399,278$40,131$2,461,020
74$3,614,099$343,900$0$2,625,561
75$3,905,433$283,448$0$2,811,111
76$4,224,048$217,598$0$3,021,137
77$4,572,651$146,010$0$3,251,042
78$4,954,220$68,323$0$3,502,848
79$5,372,037$0$0$3,778,786
80$5,829,714$0$0$4,084,976
81$6,331,231$0$0$4,437,848
82$6,880,969$0$0$4,824,703
83$7,483,755$0$0$5,248,944
84$8,144,905$0$0$5,714,320
85$8,870,273$0$0$6,224,959
86$9,666,308$0$0$6,785,408
87$10,540,113$0$0$7,400,676
88$11,499,513$0$0$8,076,280
89$12,553,128$0$0$8,818,300
90$13,710,453$0$0$9,633,430
91$14,981,948$0$0$10,529,047
92$16,379,135$0$0$11,513,276
93$17,914,709$0$0$12,595,071
94$19,602,657$0$0$13,784,292
95$21,458,386$0$0$15,091,807
96$23,498,871$0$0$16,529,586
97$25,742,816$0$0$18,110,818
98$28,210,825$0$0$19,850,036
99$30,925,601$0$0$21,763,249
100$33,912,159$0$0$23,868,098