Can I retire at age 52 with 768,000?

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 $768,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$63,421$62,856$62,305$61,767$61,241$60,958
2 years$31,396$30,812$30,245$29,696$29,163$28,876
3 years$20,723$20,136$19,571$19,026$18,502$18,222
4 years$15,387$14,802$14,242$13,707$13,196$12,924
5 years$12,187$11,605$11,053$10,529$10,031$9,769
6 years$10,054$9,476$8,932$8,420$7,937$7,684
7 years$8,531$7,958$7,423$6,922$6,455$6,212
8 years$7,389$6,822$6,295$5,807$5,355$5,121
9 years$6,502$5,939$5,422$4,946$4,510$4,286
10 years$5,792$5,235$4,727$4,264$3,843$3,628
11 years$5,212$4,661$4,162$3,711$3,305$3,099
12 years$4,729$4,183$3,693$3,255$2,864$2,668
13 years$4,320$3,780$3,300$2,873$2,497$2,310
14 years$3,970$3,436$2,965$2,551$2,189$2,011
15 years$3,667$3,139$2,677$2,275$1,927$1,758
16 years$3,403$2,880$2,427$2,037$1,704$1,542
17 years$3,169$2,652$2,208$1,830$1,510$1,357
18 years$2,962$2,451$2,016$1,649$1,343$1,197
19 years$2,777$2,272$1,846$1,490$1,197$1,059
20 years$2,610$2,111$1,694$1,350$1,069$939
21 years$2,460$1,966$1,558$1,225$957$833
22 years$2,323$1,835$1,436$1,114$858$741
23 years$2,199$1,717$1,326$1,014$770$660
24 years$2,085$1,608$1,226$925$692$588
25 years$1,980$1,509$1,136$845$623$525
26 years$1,884$1,418$1,053$773$561$469
27 years$1,794$1,335$978$707$506$419
28 years$1,712$1,258$909$648$456$375
29 years$1,635$1,187$846$594$412$335
30 years$1,563$1,121$788$545$372$300
31 years$1,496$1,059$735$501$337$269
32 years$1,434$1,002$685$460$304$241
33 years$1,375$949$640$423$276$217
34 years$1,320$900$598$389$249$194
35 years$1,269$853$559$358$226$174
36 years$1,220$810$523$330$205$157
37 years$1,174$769$490$304$186$141
38 years$1,130$731$458$280$168$126
39 years$1,089$695$430$259$153$113
40 years$1,050$661$403$238$138$102
41 years$1,013$630$377$220$126$92
42 years$978$600$354$203$114$82
43 years$944$571$332$187$103$74
44 years$912$545$312$173$94$67
45 years$882$519$293$160$85$60
46 years$853$495$275$148$77$54
47 years$826$473$258$136$70$48
48 years$799$451$243$126$64$44
49 years$774$431$228$116$58$39
50 years$750$412$215$108$53$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $768,000, adding $5,617 every year, while hoping to spend $41,093 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: 73/5/22 Blend
51$768,000$768,000$768,000$768,000
52$852,130$811,426$799,522$909,363
53$895,325$807,463$782,583$944,225
54$941,548$801,929$763,700$976,942
55$991,065$794,703$742,763$1,011,757
56$1,044,168$785,657$719,660$1,048,872
57$1,101,175$774,657$694,271$1,088,510
58$1,162,439$761,559$666,472$1,130,918
59$1,228,342$746,210$636,134$1,176,368
60$1,299,309$728,451$603,121$1,225,160
61$1,375,804$708,109$567,290$1,277,627
62$1,458,336$685,007$528,494$1,334,137
63$1,547,465$658,951$486,578$1,395,094
64$1,643,807$629,741$441,379$1,460,947
65$1,748,040$597,162$392,729$1,532,190
66$1,860,905$560,988$340,452$1,609,371
67$1,983,222$520,981$284,361$1,693,092
68$2,115,889$476,887$224,265$1,784,020
69$2,259,895$428,440$159,963$1,882,890
70$2,416,327$375,357$91,245$1,990,516
71$2,586,382$317,339$17,892$2,107,793
72$2,771,376$254,071$0$2,235,713
73$2,972,756$185,220$0$2,389,545
74$3,192,116$110,435$0$2,561,722
75$3,431,209$29,344$0$2,749,432
76$3,691,965$0$0$2,954,205
77$3,976,507$0$0$3,180,944
78$4,287,174$0$0$3,430,296
79$4,626,537$0$0$3,702,715
80$4,997,432$0$0$4,000,482
81$5,402,975$0$0$4,326,103
82$5,846,602$0$0$4,682,341
83$6,332,093$0$0$5,072,238
84$6,863,612$0$0$5,499,141
85$7,445,744$0$0$5,966,738
86$8,083,538$0$0$6,479,091
87$8,782,554$0$0$7,040,673
88$9,548,917$0$0$7,656,407
89$10,389,370$0$0$8,331,721
90$11,311,344$0$0$9,072,589
91$12,323,019$0$0$9,885,593
92$13,433,410$0$0$10,777,983
93$14,652,445$0$0$11,757,745
94$15,991,059$0$0$12,833,675
95$17,461,299$0$0$14,015,465
96$19,076,438$0$0$15,313,788
97$20,851,094$0$0$16,740,406
98$22,801,374$0$0$18,308,274
99$24,945,022$0$0$20,031,666
100$27,301,586$0$0$21,926,306