Can I retire at age 52 with 773,000?

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 $773,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.4%
1 years$63,834$63,265$62,710$62,169$61,640$61,022
2 years$31,601$31,012$30,442$29,889$29,352$28,730
3 years$20,858$20,267$19,698$19,150$18,622$18,014
4 years$15,488$14,898$14,335$13,797$13,282$12,693
5 years$12,266$11,680$11,125$10,597$10,096$9,529
6 years$10,119$9,538$8,990$8,475$7,989$7,444
7 years$8,586$8,010$7,471$6,967$6,497$5,974
8 years$7,437$6,866$6,336$5,845$5,390$4,889
9 years$6,544$5,978$5,457$4,978$4,539$4,060
10 years$5,830$5,269$4,758$4,291$3,868$3,411
11 years$5,246$4,691$4,189$3,735$3,326$2,891
12 years$4,759$4,210$3,717$3,276$2,882$2,468
13 years$4,348$3,805$3,321$2,892$2,514$2,119
14 years$3,996$3,459$2,984$2,567$2,203$1,829
15 years$3,691$3,160$2,694$2,290$1,940$1,585
16 years$3,425$2,899$2,443$2,050$1,715$1,378
17 years$3,190$2,670$2,223$1,842$1,520$1,202
18 years$2,981$2,467$2,029$1,660$1,352$1,051
19 years$2,795$2,286$1,858$1,500$1,205$921
20 years$2,627$2,125$1,705$1,359$1,076$808
21 years$2,476$1,979$1,568$1,233$963$711
22 years$2,338$1,847$1,445$1,121$863$626
23 years$2,213$1,728$1,334$1,021$775$552
24 years$2,098$1,619$1,234$931$697$487
25 years$1,993$1,519$1,143$850$627$430
26 years$1,896$1,428$1,060$778$565$380
27 years$1,806$1,344$984$712$509$337
28 years$1,723$1,266$915$652$459$298
29 years$1,646$1,194$852$598$415$264
30 years$1,573$1,128$793$549$375$234
31 years$1,506$1,066$739$504$339$207
32 years$1,443$1,009$690$463$306$184
33 years$1,384$956$644$426$277$163
34 years$1,329$906$602$392$251$145
35 years$1,277$859$563$361$227$129
36 years$1,228$815$526$332$206$114
37 years$1,181$774$493$306$187$101
38 years$1,138$736$461$282$169$90
39 years$1,096$700$432$260$154$80
40 years$1,057$666$405$240$139$71
41 years$1,020$634$380$221$126$63
42 years$984$604$356$204$115$56
43 years$950$575$334$189$104$50
44 years$918$548$314$174$94$44
45 years$888$523$295$161$86$40
46 years$859$499$277$149$78$35
47 years$831$476$260$137$71$31
48 years$804$454$244$127$64$28
49 years$779$434$230$117$58$25
50 years$755$414$216$108$53$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $773,000, adding $2,907 every year, while hoping to spend $39,780 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: 68/14/18 Blend
51$773,000$773,000$773,000$773,000
52$854,845$813,876$801,894$909,042
53$899,713$811,430$786,432$943,157
54$947,825$807,531$769,119$975,526
55$999,469$802,066$749,850$1,009,952
56$1,054,962$794,914$728,517$1,046,634
57$1,114,652$785,949$705,006$1,085,794
58$1,178,922$775,036$679,199$1,127,675
59$1,248,189$762,030$650,970$1,172,548
60$1,322,916$746,781$620,189$1,220,712
61$1,403,609$729,129$586,721$1,272,498
62$1,490,824$708,903$550,423$1,328,271
63$1,585,172$685,923$511,146$1,388,435
64$1,687,326$660,000$468,735$1,453,438
65$1,798,024$630,930$423,029$1,523,772
66$1,918,079$598,502$373,856$1,599,986
67$2,048,384$562,490$321,042$1,682,681
68$2,189,921$522,655$264,399$1,772,526
69$2,343,773$478,744$203,737$1,870,257
70$2,511,128$430,493$138,852$1,976,690
71$2,693,294$377,618$69,534$2,092,723
72$2,891,711$319,822$0$2,219,352
73$3,107,963$256,791$0$2,358,528
74$3,343,794$188,193$0$2,524,919
75$3,601,122$113,675$0$2,706,541
76$3,882,060$32,869$0$2,904,924
77$4,188,933$0$0$3,121,751
78$4,524,300$0$0$3,367,295
79$4,890,980$0$0$3,641,345
80$5,292,075$0$0$3,941,161
81$5,731,002$0$0$4,269,302
82$6,211,521$0$0$4,628,588
83$6,737,776$0$0$5,022,121
84$7,314,329$0$0$5,453,320
85$7,946,203$0$0$5,925,947
86$8,638,931$0$0$6,444,148
87$9,398,608$0$0$7,012,489
88$10,231,944$0$0$7,635,999
89$11,146,333$0$0$8,320,216
90$12,149,918$0$0$9,071,242
91$13,251,668$0$0$9,895,796
92$14,461,464$0$0$10,801,283
93$15,790,190$0$0$11,795,857
94$17,249,836$0$0$12,888,502
95$18,853,611$0$0$14,089,115
96$20,616,067$0$0$15,408,600
97$22,553,233$0$0$16,858,967
98$24,682,772$0$0$18,453,450
99$27,024,141$0$0$20,206,629
100$29,598,777$0$0$22,134,567