Can I retire at age 52 with 771,000?

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 $771,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$63,668$63,101$62,548$62,008$61,481$59,276
2 years$31,519$30,932$30,363$29,812$29,276$27,079
3 years$20,804$20,214$19,647$19,101$18,574$16,453
4 years$15,447$14,860$14,298$13,761$13,247$11,219
5 years$12,234$11,650$11,096$10,570$10,070$8,140
6 years$10,093$9,513$8,967$8,453$7,968$6,137
7 years$8,564$7,989$7,452$6,949$6,480$4,748
8 years$7,418$6,848$6,320$5,830$5,376$3,741
9 years$6,527$5,963$5,443$4,966$4,527$2,988
10 years$5,815$5,256$4,745$4,280$3,858$2,411
11 years$5,232$4,679$4,178$3,725$3,318$1,961
12 years$4,747$4,200$3,708$3,268$2,875$1,604
13 years$4,337$3,795$3,313$2,885$2,507$1,319
14 years$3,986$3,450$2,976$2,561$2,198$1,089
15 years$3,682$3,151$2,687$2,284$1,935$902
16 years$3,416$2,891$2,436$2,045$1,710$749
17 years$3,182$2,663$2,217$1,837$1,516$623
18 years$2,973$2,461$2,024$1,656$1,348$520
19 years$2,788$2,280$1,853$1,496$1,202$434
20 years$2,620$2,119$1,700$1,355$1,073$363
21 years$2,469$1,974$1,564$1,230$961$303
22 years$2,332$1,842$1,441$1,118$861$254
23 years$2,207$1,723$1,331$1,018$773$213
24 years$2,093$1,615$1,231$929$695$179
25 years$1,988$1,515$1,140$848$625$150
26 years$1,891$1,424$1,057$776$563$126
27 years$1,801$1,340$982$710$508$106
28 years$1,718$1,263$913$650$458$89
29 years$1,641$1,191$849$596$414$74
30 years$1,569$1,125$791$547$374$63
31 years$1,502$1,064$738$503$338$53
32 years$1,440$1,006$688$462$306$44
33 years$1,381$953$643$425$277$37
34 years$1,325$903$600$391$250$31
35 years$1,274$857$561$360$227$26
36 years$1,225$813$525$331$206$22
37 years$1,178$772$491$305$186$19
38 years$1,135$734$460$281$169$16
39 years$1,093$698$431$260$153$13
40 years$1,054$664$404$239$139$11
41 years$1,017$632$379$221$126$9
42 years$982$602$355$204$114$8
43 years$948$574$334$188$104$7
44 years$916$547$313$174$94$6
45 years$886$521$294$160$86$5
46 years$857$497$276$148$78$4
47 years$829$475$259$137$71$3
48 years$802$453$244$127$64$3
49 years$777$433$229$117$58$2
50 years$753$413$215$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $771,000, adding $3,384 every year, while hoping to spend $42,739 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: 68/19/13 Blend
51$771,000$771,000$771,000$771,000
52$853,133$812,270$800,319$908,434
53$894,678$806,597$781,656$939,994
54$939,029$799,214$760,935$969,092
55$986,426$789,991$738,042$999,818
56$1,037,133$778,793$712,859$1,032,327
57$1,091,441$765,473$685,259$1,066,791
58$1,149,666$749,880$655,114$1,103,399
59$1,212,157$731,850$622,286$1,142,362
60$1,279,298$711,210$586,632$1,183,914
61$1,351,506$687,780$548,005$1,228,312
62$1,429,245$661,366$506,248$1,275,844
63$1,513,019$631,764$461,198$1,326,825
64$1,603,384$598,758$412,686$1,381,607
65$1,700,952$562,120$360,533$1,440,579
66$1,806,394$521,608$304,556$1,504,170
67$1,920,447$476,968$244,559$1,572,856
68$2,043,922$427,929$180,341$1,647,165
69$2,177,710$374,206$111,692$1,727,680
70$2,322,793$315,498$38,389$1,815,044
71$2,480,247$251,486$0$1,909,973
72$2,651,257$181,834$0$2,018,780
73$2,837,129$106,188$0$2,142,855
74$3,039,296$24,171$0$2,277,867
75$3,259,337$0$0$2,424,921
76$3,498,987$0$0$2,598,741
77$3,760,159$0$0$2,793,721
78$4,044,955$0$0$3,006,380
79$4,355,691$0$0$3,238,452
80$4,694,912$0$0$3,491,848
81$5,065,425$0$0$3,768,666
82$5,470,317$0$0$4,071,220
83$5,912,986$0$0$4,402,056
84$6,397,176$0$0$4,763,978
85$6,927,007$0$0$5,160,073
86$7,507,016$0$0$5,593,740
87$8,142,200$0$0$6,068,722
88$8,838,060$0$0$6,589,142
89$9,600,658$0$0$7,159,539
90$10,436,665$0$0$7,784,912
91$11,353,432$0$0$8,470,770
92$12,359,055$0$0$9,223,177
93$13,462,450$0$0$10,048,813
94$14,673,438$0$0$10,955,038
95$16,002,838$0$0$11,949,957
96$17,462,568$0$0$13,042,500
97$19,065,754$0$0$14,242,501
98$20,826,859$0$0$15,560,797
99$22,761,813$0$0$17,009,324
100$24,888,166$0$0$18,601,233