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%14.3%
1 years$63,421$62,856$62,305$61,767$61,241$60,153
2 years$31,396$30,812$30,245$29,696$29,163$28,069
3 years$20,723$20,136$19,571$19,026$18,502$17,438
4 years$15,387$14,802$14,242$13,707$13,196$12,170
5 years$12,187$11,605$11,053$10,529$10,031$9,046
6 years$10,054$9,476$8,932$8,420$7,937$6,994
7 years$8,531$7,958$7,423$6,922$6,455$5,554
8 years$7,389$6,822$6,295$5,807$5,355$4,496
9 years$6,502$5,939$5,422$4,946$4,510$3,692
10 years$5,792$5,235$4,727$4,264$3,843$3,066
11 years$5,212$4,661$4,162$3,711$3,305$2,568
12 years$4,729$4,183$3,693$3,255$2,864$2,165
13 years$4,320$3,780$3,300$2,873$2,497$1,837
14 years$3,970$3,436$2,965$2,551$2,189$1,565
15 years$3,667$3,139$2,677$2,275$1,927$1,339
16 years$3,403$2,880$2,427$2,037$1,704$1,149
17 years$3,169$2,652$2,208$1,830$1,510$989
18 years$2,962$2,451$2,016$1,649$1,343$853
19 years$2,777$2,272$1,846$1,490$1,197$737
20 years$2,610$2,111$1,694$1,350$1,069$638
21 years$2,460$1,966$1,558$1,225$957$553
22 years$2,323$1,835$1,436$1,114$858$480
23 years$2,199$1,717$1,326$1,014$770$417
24 years$2,085$1,608$1,226$925$692$363
25 years$1,980$1,509$1,136$845$623$316
26 years$1,884$1,418$1,053$773$561$275
27 years$1,794$1,335$978$707$506$239
28 years$1,712$1,258$909$648$456$209
29 years$1,635$1,187$846$594$412$182
30 years$1,563$1,121$788$545$372$159
31 years$1,496$1,059$735$501$337$139
32 years$1,434$1,002$685$460$304$121
33 years$1,375$949$640$423$276$106
34 years$1,320$900$598$389$249$92
35 years$1,269$853$559$358$226$81
36 years$1,220$810$523$330$205$71
37 years$1,174$769$490$304$186$62
38 years$1,130$731$458$280$168$54
39 years$1,089$695$430$259$153$47
40 years$1,050$661$403$238$138$41
41 years$1,013$630$377$220$126$36
42 years$978$600$354$203$114$31
43 years$944$571$332$187$103$28
44 years$912$545$312$173$94$24
45 years$882$519$293$160$85$21
46 years$853$495$275$148$77$18
47 years$826$473$258$136$70$16
48 years$799$451$243$126$64$14
49 years$774$431$228$116$58$12
50 years$750$412$215$108$53$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $768,000, adding $4,599 every year, while hoping to spend $45,528 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: 32/45/23 Blend
51$768,000$768,000$768,000$768,000
52$851,080$810,376$798,472$872,167
53$889,449$801,643$776,779$879,737
54$930,205$790,956$752,834$883,468
55$973,545$778,172$726,513$886,558
56$1,019,681$763,137$697,686$888,980
57$1,068,849$745,691$666,219$890,708
58$1,121,305$725,663$631,970$891,718
59$1,177,329$702,872$594,792$891,990
60$1,237,230$677,126$554,531$891,504
61$1,301,344$648,222$511,025$890,246
62$1,370,043$615,947$464,106$888,206
63$1,443,732$580,072$413,598$885,377
64$1,522,856$540,360$359,317$881,760
65$1,607,905$496,555$301,072$877,362
66$1,699,415$448,389$238,661$872,198
67$1,797,975$395,580$171,876$866,293
68$1,904,233$337,828$100,498$859,682
69$2,018,899$274,816$24,300$852,412
70$2,142,755$206,210$0$844,544
71$2,276,659$131,657$0$850,149
72$2,421,554$50,785$0$862,601
73$2,578,479$0$0$876,112
74$2,748,572$0$0$909,109
75$2,933,087$0$0$972,282
76$3,133,405$0$0$1,040,968
77$3,351,041$0$0$1,115,699
78$3,587,663$0$0$1,197,062
79$3,845,108$0$0$1,285,702
80$4,125,395$0$0$1,382,330
81$4,430,745$0$0$1,487,727
82$4,763,605$0$0$1,602,753
83$5,126,666$0$0$1,728,354
84$5,522,889$0$0$1,865,574
85$5,955,537$0$0$2,015,559
86$6,428,198$0$0$2,179,573
87$6,944,824$0$0$2,359,007
88$7,509,766$0$0$2,555,393
89$8,127,815$0$0$2,770,417
90$8,804,243$0$0$3,005,936
91$9,544,860$0$0$3,263,995
92$10,356,062$0$0$3,546,847
93$11,244,891$0$0$3,856,973
94$12,219,105$0$0$4,197,104
95$13,287,247$0$0$4,570,251
96$14,458,725$0$0$4,979,727
97$15,743,905$0$0$5,429,184
98$17,154,199$0$0$5,922,644
99$18,702,183$0$0$6,464,536
100$20,401,706$0$0$7,059,742