Can I retire at age 52 with 772,000?

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 $772,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$63,751$63,183$62,629$62,088$61,560$59,806
2 years$31,560$30,972$30,403$29,850$29,314$27,560
3 years$20,831$20,241$19,672$19,125$18,598$16,899
4 years$15,468$14,879$14,316$13,779$13,264$11,634
5 years$12,250$11,665$11,110$10,583$10,083$8,526
6 years$10,106$9,526$8,979$8,464$7,979$6,496
7 years$8,575$8,000$7,461$6,958$6,489$5,080
8 years$7,428$6,857$6,328$5,837$5,383$4,048
9 years$6,535$5,970$5,450$4,972$4,533$3,271
10 years$5,822$5,263$4,752$4,286$3,863$2,671
11 years$5,239$4,685$4,183$3,730$3,322$2,199
12 years$4,753$4,205$3,712$3,272$2,879$1,822
13 years$4,343$3,800$3,317$2,888$2,510$1,518
14 years$3,991$3,454$2,980$2,564$2,201$1,270
15 years$3,686$3,155$2,691$2,287$1,938$1,066
16 years$3,420$2,895$2,440$2,047$1,712$897
17 years$3,186$2,666$2,220$1,840$1,518$757
18 years$2,977$2,464$2,026$1,658$1,350$640
19 years$2,791$2,283$1,855$1,498$1,203$542
20 years$2,624$2,122$1,703$1,357$1,075$460
21 years$2,473$1,976$1,566$1,231$962$391
22 years$2,335$1,845$1,443$1,120$862$332
23 years$2,210$1,725$1,333$1,020$774$282
24 years$2,096$1,617$1,232$930$696$240
25 years$1,990$1,517$1,142$849$626$205
26 years$1,893$1,426$1,059$777$564$174
27 years$1,804$1,342$983$711$508$149
28 years$1,721$1,264$914$651$459$127
29 years$1,643$1,193$850$597$414$108
30 years$1,571$1,127$792$548$374$92
31 years$1,504$1,065$739$503$338$79
32 years$1,441$1,008$689$463$306$67
33 years$1,383$954$643$425$277$57
34 years$1,327$904$601$391$251$49
35 years$1,275$858$562$360$227$42
36 years$1,226$814$526$332$206$36
37 years$1,180$773$492$306$187$31
38 years$1,136$735$461$282$169$26
39 years$1,095$699$432$260$153$22
40 years$1,055$665$405$240$139$19
41 years$1,018$633$379$221$126$16
42 years$983$603$356$204$115$14
43 years$949$574$334$188$104$12
44 years$917$547$314$174$94$10
45 years$887$522$294$161$86$9
46 years$858$498$276$148$78$7
47 years$830$475$260$137$71$6
48 years$803$454$244$127$64$5
49 years$778$433$229$117$58$5
50 years$754$414$216$108$53$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $772,000, adding $3,691 every year, while hoping to spend $52,749 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: 57/19/24 Blend
51$772,000$772,000$772,000$772,000
52$854,551$813,635$801,669$897,502
53$885,591$797,379$772,401$911,024
54$918,029$778,558$740,384$919,840
55$951,952$756,991$705,470$928,328
56$987,454$732,487$667,507$936,469
57$1,024,636$704,841$626,331$944,249
58$1,063,611$673,839$581,774$951,650
59$1,104,495$639,254$533,660$958,660
60$1,147,421$600,845$481,805$965,267
61$1,192,529$558,357$426,016$971,460
62$1,239,971$511,521$366,092$977,233
63$1,289,916$460,053$301,824$982,583
64$1,342,545$403,653$232,992$987,509
65$1,398,054$342,002$159,367$992,015
66$1,456,661$274,765$80,711$996,111
67$1,518,600$201,588$0$999,812
68$1,584,127$122,096$0$1,003,968
69$1,653,523$35,894$0$1,029,891
70$1,727,093$0$0$1,057,001
71$1,805,173$0$0$1,097,428
72$1,888,126$0$0$1,148,385
73$1,976,355$0$0$1,202,620
74$2,070,295$0$0$1,260,405
75$2,170,426$0$0$1,322,040
76$2,277,272$0$0$1,387,854
77$2,391,409$0$0$1,458,207
78$2,513,467$0$0$1,533,492
79$2,644,135$0$0$1,614,142
80$2,784,172$0$0$1,700,633
81$2,934,409$0$0$1,793,484
82$3,095,756$0$0$1,893,266
83$3,269,215$0$0$2,000,606
84$3,455,884$0$0$2,116,193
85$3,656,970$0$0$2,240,784
86$3,873,796$0$0$2,375,208
87$4,107,819$0$0$2,520,378
88$4,360,638$0$0$2,677,296
89$4,634,010$0$0$2,847,065
90$4,929,866$0$0$3,030,896
91$5,250,329$0$0$3,230,121
92$5,597,735$0$0$3,446,204
93$5,974,650$0$0$3,680,756
94$6,383,898$0$0$3,935,548
95$6,828,584$0$0$4,212,528
96$7,312,124$0$0$4,513,841
97$7,838,277$0$0$4,841,843
98$8,411,177$0$0$5,199,131
99$9,035,374$0$0$5,588,561
100$9,715,877$0$0$6,013,274