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%12.7%
1 years$63,668$63,101$62,548$62,008$61,481$60,788
2 years$31,519$30,932$30,363$29,812$29,276$28,579
3 years$20,804$20,214$19,647$19,101$18,574$17,894
4 years$15,447$14,860$14,298$13,761$13,247$12,589
5 years$12,234$11,650$11,096$10,570$10,070$9,437
6 years$10,093$9,513$8,967$8,453$7,968$7,359
7 years$8,564$7,989$7,452$6,949$6,480$5,897
8 years$7,418$6,848$6,320$5,830$5,376$4,818
9 years$6,527$5,963$5,443$4,966$4,527$3,994
10 years$5,815$5,256$4,745$4,280$3,858$3,349
11 years$5,232$4,679$4,178$3,725$3,318$2,833
12 years$4,747$4,200$3,708$3,268$2,875$2,414
13 years$4,337$3,795$3,313$2,885$2,507$2,069
14 years$3,986$3,450$2,976$2,561$2,198$1,782
15 years$3,682$3,151$2,687$2,284$1,935$1,541
16 years$3,416$2,891$2,436$2,045$1,710$1,337
17 years$3,182$2,663$2,217$1,837$1,516$1,164
18 years$2,973$2,461$2,024$1,656$1,348$1,015
19 years$2,788$2,280$1,853$1,496$1,202$888
20 years$2,620$2,119$1,700$1,355$1,073$778
21 years$2,469$1,974$1,564$1,230$961$682
22 years$2,332$1,842$1,441$1,118$861$599
23 years$2,207$1,723$1,331$1,018$773$527
24 years$2,093$1,615$1,231$929$695$464
25 years$1,988$1,515$1,140$848$625$409
26 years$1,891$1,424$1,057$776$563$361
27 years$1,801$1,340$982$710$508$319
28 years$1,718$1,263$913$650$458$281
29 years$1,641$1,191$849$596$414$249
30 years$1,569$1,125$791$547$374$220
31 years$1,502$1,064$738$503$338$194
32 years$1,440$1,006$688$462$306$172
33 years$1,381$953$643$425$277$152
34 years$1,325$903$600$391$250$135
35 years$1,274$857$561$360$227$119
36 years$1,225$813$525$331$206$106
37 years$1,178$772$491$305$186$94
38 years$1,135$734$460$281$169$83
39 years$1,093$698$431$260$153$74
40 years$1,054$664$404$239$139$65
41 years$1,017$632$379$221$126$58
42 years$982$602$355$204$114$51
43 years$948$574$334$188$104$45
44 years$916$547$313$174$94$40
45 years$886$521$294$160$86$36
46 years$857$497$276$148$78$32
47 years$829$475$259$137$71$28
48 years$802$453$244$127$64$25
49 years$777$433$229$117$58$22
50 years$753$413$215$108$53$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $771,000, adding $3,197 every year, while hoping to spend $25,117 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: 68/22/10 Blend
51$771,000$771,000$771,000$771,000
52$852,940$812,077$800,126$908,988
53$913,215$825,144$800,206$959,686
54$978,797$838,010$799,447$1,011,792
55$1,050,200$850,638$797,794$1,068,114
56$1,127,990$862,989$795,190$1,129,063
57$1,212,791$875,022$791,575$1,195,090
58$1,305,289$886,691$786,886$1,266,692
59$1,406,238$897,949$781,056$1,344,417
60$1,516,471$908,744$774,017$1,428,869
61$1,636,901$919,023$765,697$1,520,714
62$1,768,536$928,726$756,019$1,620,685
63$1,912,485$937,792$744,904$1,729,591
64$2,069,968$946,154$732,269$1,848,323
65$2,242,332$953,742$718,026$1,977,863
66$2,431,054$960,480$702,085$2,119,294
67$2,637,767$966,289$684,350$2,273,809
68$2,864,265$971,082$664,721$2,442,724
69$3,112,525$974,771$643,094$2,627,488
70$3,384,725$977,257$619,360$2,829,700
71$3,683,263$978,438$593,405$3,051,122
72$4,010,781$978,207$565,109$3,293,695
73$4,370,188$976,447$534,348$3,559,562
74$4,764,689$973,035$500,991$3,851,081
75$5,197,815$967,841$464,902$4,170,855
76$5,673,454$960,727$425,938$4,521,750
77$6,195,891$951,547$383,951$4,906,929
78$6,769,844$940,145$338,785$5,329,875
79$7,400,512$926,356$290,279$5,794,430
80$8,093,623$910,006$238,262$6,304,828
81$8,855,486$890,911$182,558$6,865,736
82$9,693,054$868,873$122,981$7,482,300
83$10,613,984$843,686$59,339$8,160,191
84$11,626,714$815,131$0$8,905,660
85$12,740,541$782,974$0$9,726,515
86$13,965,708$746,971$0$10,636,252
87$15,313,498$706,862$0$11,636,929
88$16,796,347$662,370$0$12,737,801
89$18,427,954$613,206$0$13,949,066
90$20,223,414$559,061$0$15,281,966
91$22,199,359$499,612$0$16,748,887
92$24,374,115$434,514$0$18,363,485
93$26,767,874$363,404$0$20,140,805
94$29,402,885$285,900$0$22,097,433
95$32,303,666$201,595$0$24,251,647
96$35,497,229$110,063$0$26,623,590
97$39,013,342$10,851$0$29,235,464
98$42,884,802$0$0$32,111,738
99$47,147,753$0$0$35,302,745
100$51,842,019$0$0$38,819,561