Can I retire at age 52 with 773,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%18.4%
1 years$63,834$63,265$62,710$62,169$61,640$59,548
2 years$31,601$31,012$30,442$29,889$29,352$27,266
3 years$20,858$20,267$19,698$19,150$18,622$16,606
4 years$15,488$14,898$14,335$13,797$13,282$11,352
5 years$12,266$11,680$11,125$10,597$10,096$8,258
6 years$10,119$9,538$8,990$8,475$7,989$6,243
7 years$8,586$8,010$7,471$6,967$6,497$4,844
8 years$7,437$6,866$6,336$5,845$5,390$3,828
9 years$6,544$5,978$5,457$4,978$4,539$3,067
10 years$5,830$5,269$4,758$4,291$3,868$2,482
11 years$5,246$4,691$4,189$3,735$3,326$2,025
12 years$4,759$4,210$3,717$3,276$2,882$1,663
13 years$4,348$3,805$3,321$2,892$2,514$1,372
14 years$3,996$3,459$2,984$2,567$2,203$1,137
15 years$3,691$3,160$2,694$2,290$1,940$945
16 years$3,425$2,899$2,443$2,050$1,715$787
17 years$3,190$2,670$2,223$1,842$1,520$658
18 years$2,981$2,467$2,029$1,660$1,352$550
19 years$2,795$2,286$1,858$1,500$1,205$461
20 years$2,627$2,125$1,705$1,359$1,076$387
21 years$2,476$1,979$1,568$1,233$963$325
22 years$2,338$1,847$1,445$1,121$863$273
23 years$2,213$1,728$1,334$1,021$775$230
24 years$2,098$1,619$1,234$931$697$194
25 years$1,993$1,519$1,143$850$627$163
26 years$1,896$1,428$1,060$778$565$137
27 years$1,806$1,344$984$712$509$116
28 years$1,723$1,266$915$652$459$98
29 years$1,646$1,194$852$598$415$82
30 years$1,573$1,128$793$549$375$69
31 years$1,506$1,066$739$504$339$59
32 years$1,443$1,009$690$463$306$49
33 years$1,384$956$644$426$277$42
34 years$1,329$906$602$392$251$35
35 years$1,277$859$563$361$227$30
36 years$1,228$815$526$332$206$25
37 years$1,181$774$493$306$187$21
38 years$1,138$736$461$282$169$18
39 years$1,096$700$432$260$154$15
40 years$1,057$666$405$240$139$13
41 years$1,020$634$380$221$126$11
42 years$984$604$356$204$115$9
43 years$950$575$334$189$104$8
44 years$918$548$314$174$94$6
45 years$888$523$295$161$86$5
46 years$859$499$277$149$78$5
47 years$831$476$260$137$71$4
48 years$804$454$244$127$64$3
49 years$779$434$230$117$58$3
50 years$755$414$216$108$53$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $773,000, adding $3,157 every year, while hoping to spend $27,304 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: 69/14/17 Blend
51$773,000$773,000$773,000$773,000
52$855,102$814,133$802,152$910,430
53$913,272$824,975$799,973$958,550
54$976,459$835,432$796,806$1,007,651
55$1,045,148$845,458$792,588$1,060,691
56$1,119,869$855,001$787,256$1,118,052
57$1,201,207$864,008$780,741$1,180,162
58$1,289,806$872,420$772,971$1,247,487
59$1,386,373$880,176$763,873$1,320,544
60$1,491,688$887,209$753,367$1,399,902
61$1,606,608$893,451$741,373$1,486,188
62$1,732,077$898,825$727,804$1,580,095
63$1,869,134$903,252$712,571$1,682,384
64$2,018,923$906,649$695,579$1,793,898
65$2,182,703$908,925$676,731$1,915,563
66$2,361,861$909,985$655,924$2,048,401
67$2,557,924$909,727$633,051$2,193,540
68$2,772,573$908,044$607,998$2,352,223
69$3,007,658$904,821$580,649$2,525,820
70$3,265,219$899,937$550,881$2,715,841
71$3,547,501$893,264$518,565$2,923,954
72$3,856,977$884,664$483,567$3,151,993
73$4,196,369$873,993$445,747$3,401,985
74$4,568,678$861,098$404,959$3,676,162
75$4,977,206$845,816$361,049$3,976,986
76$5,425,595$827,974$313,857$4,307,170
77$5,917,851$807,390$263,217$4,669,707
78$6,458,392$783,872$208,954$5,067,895
79$7,052,080$757,214$150,887$5,505,371
80$7,704,275$727,200$88,824$5,986,145
81$8,420,879$693,602$22,568$6,514,638
82$9,208,397$656,176$0$7,095,721
83$10,073,992$614,667$0$7,743,499
84$11,025,557$568,803$0$8,460,099
85$12,071,788$518,299$0$9,247,994
86$13,222,266$462,852$0$10,114,422
87$14,487,546$402,141$0$11,067,364
88$15,879,259$335,828$0$12,115,611
89$17,410,216$263,556$0$13,268,855
90$19,094,535$184,948$0$14,537,775
91$20,947,773$99,605$0$15,934,139
92$22,987,067$7,107$0$17,470,917
93$25,231,301$0$0$19,162,403
94$27,701,284$0$0$21,038,675
95$30,419,941$0$0$23,105,105
96$33,412,534$0$0$25,379,807
97$36,706,899$0$0$27,883,944
98$40,333,708$0$0$30,640,838
99$44,326,756$0$0$33,676,187
100$48,723,284$0$0$37,018,306