Can I retire at age 52 with 774,000?

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 $774,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.2%
1 years$63,916$63,347$62,791$62,249$61,720$59,912
2 years$31,642$31,052$30,481$29,928$29,390$27,584
3 years$20,885$20,293$19,723$19,175$18,646$16,898
4 years$15,508$14,918$14,354$13,814$13,299$11,621
5 years$12,282$11,696$11,139$10,611$10,110$8,508
6 years$10,132$9,550$9,002$8,486$7,999$6,475
7 years$8,597$8,020$7,481$6,976$6,506$5,058
8 years$7,447$6,875$6,344$5,852$5,397$4,026
9 years$6,552$5,986$5,464$4,985$4,545$3,249
10 years$5,837$5,276$4,764$4,297$3,873$2,649
11 years$5,253$4,697$4,194$3,740$3,331$2,178
12 years$4,766$4,216$3,722$3,280$2,886$1,803
13 years$4,354$3,810$3,325$2,896$2,517$1,500
14 years$4,001$3,463$2,988$2,571$2,206$1,253
15 years$3,696$3,164$2,698$2,293$1,943$1,050
16 years$3,429$2,903$2,446$2,053$1,717$883
17 years$3,194$2,673$2,226$1,844$1,522$744
18 years$2,985$2,470$2,032$1,662$1,354$628
19 years$2,798$2,289$1,860$1,502$1,206$531
20 years$2,631$2,127$1,707$1,360$1,078$450
21 years$2,479$1,981$1,570$1,235$964$381
22 years$2,341$1,850$1,447$1,122$864$324
23 years$2,216$1,730$1,336$1,022$776$275
24 years$2,101$1,621$1,236$932$697$234
25 years$1,995$1,521$1,144$851$628$199
26 years$1,898$1,430$1,061$779$565$169
27 years$1,808$1,345$986$713$510$144
28 years$1,725$1,268$916$653$460$123
29 years$1,648$1,196$853$599$415$104
30 years$1,576$1,129$794$550$375$89
31 years$1,508$1,068$740$505$339$76
32 years$1,445$1,010$691$464$307$65
33 years$1,386$957$645$427$278$55
34 years$1,331$907$603$392$251$47
35 years$1,278$860$563$361$228$40
36 years$1,229$816$527$333$206$34
37 years$1,183$775$493$307$187$29
38 years$1,139$737$462$283$170$25
39 years$1,098$701$433$261$154$21
40 years$1,058$667$406$240$139$18
41 years$1,021$635$380$222$127$15
42 years$985$604$357$205$115$13
43 years$952$576$335$189$104$11
44 years$920$549$314$174$95$10
45 years$889$523$295$161$86$8
46 years$860$499$277$149$78$7
47 years$832$476$260$137$71$6
48 years$805$455$245$127$64$5
49 years$780$434$230$117$58$4
50 years$756$415$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 $774,000, adding $6,280 every year, while hoping to spend $24,594 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: 50/23/27 Blend
51$774,000$774,000$774,000$774,000
52$859,426$818,404$806,407$895,562
53$920,919$832,338$807,254$935,371
54$987,861$846,130$807,305$975,657
55$1,060,781$859,748$806,507$1,018,959
56$1,140,261$873,157$804,805$1,065,575
57$1,226,943$886,317$802,142$1,115,834
58$1,321,534$899,189$798,457$1,170,097
59$1,424,811$911,730$793,685$1,228,766
60$1,537,629$923,892$787,761$1,292,281
61$1,660,931$935,626$780,614$1,361,129
62$1,795,752$946,878$772,172$1,435,851
63$1,943,236$957,593$762,357$1,517,038
64$2,104,639$967,708$751,089$1,605,348
65$2,281,346$977,159$738,284$1,701,503
66$2,474,881$985,878$723,854$1,806,303
67$2,686,923$993,790$707,707$1,920,629
68$2,919,321$1,000,817$689,747$2,045,455
69$3,174,111$1,006,876$669,873$2,181,854
70$3,453,535$1,011,879$647,979$2,331,011
71$3,760,065$1,015,729$623,955$2,494,234
72$4,096,420$1,018,328$597,686$2,672,964
73$4,465,597$1,019,568$569,050$2,868,796
74$4,870,897$1,019,337$537,923$3,083,484
75$5,315,957$1,017,513$504,172$3,318,966
76$5,804,782$1,013,969$467,659$3,577,382
77$6,341,785$1,008,569$428,241$3,861,088
78$6,931,828$1,001,169$385,768$4,172,688
79$7,580,265$991,617$340,082$4,515,051
80$8,292,996$979,750$291,019$4,891,344
81$9,076,522$965,398$238,408$5,305,059
82$9,938,003$948,378$182,070$5,760,048
83$10,885,329$928,498$121,819$6,260,560
84$11,927,192$905,554$57,459$6,811,280
85$13,073,169$879,330$0$7,417,378
86$14,333,811$849,596$0$8,087,785
87$15,720,746$816,112$0$8,843,431
88$17,246,782$778,622$0$9,674,740
89$18,926,033$736,853$0$10,589,423
90$20,774,050$690,521$0$11,595,979
91$22,807,968$639,321$0$12,703,775
92$25,046,667$582,934$0$13,923,137
93$27,510,950$521,021$0$15,265,446
94$30,223,740$453,225$0$16,743,244
95$33,210,295$379,166$0$18,370,357
96$36,498,447$298,446$0$20,162,023
97$40,118,861$210,643$0$22,135,037
98$44,105,332$115,311$0$24,307,912
99$48,495,094$11,980$0$26,701,049
100$53,329,180$0$0$29,336,936