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%13.1%
1 years$63,916$63,347$62,791$62,249$61,720$60,923
2 years$31,642$31,052$30,481$29,928$29,390$28,589
3 years$20,885$20,293$19,723$19,175$18,646$17,865
4 years$15,508$14,918$14,354$13,814$13,299$12,544
5 years$12,282$11,696$11,139$10,611$10,110$9,383
6 years$10,132$9,550$9,002$8,486$7,999$7,302
7 years$8,597$8,020$7,481$6,976$6,506$5,837
8 years$7,447$6,875$6,344$5,852$5,397$4,758
9 years$6,552$5,986$5,464$4,985$4,545$3,935
10 years$5,837$5,276$4,764$4,297$3,873$3,291
11 years$5,253$4,697$4,194$3,740$3,331$2,778
12 years$4,766$4,216$3,722$3,280$2,886$2,361
13 years$4,354$3,810$3,325$2,896$2,517$2,018
14 years$4,001$3,463$2,988$2,571$2,206$1,734
15 years$3,696$3,164$2,698$2,293$1,943$1,495
16 years$3,429$2,903$2,446$2,053$1,717$1,294
17 years$3,194$2,673$2,226$1,844$1,522$1,123
18 years$2,985$2,470$2,032$1,662$1,354$977
19 years$2,798$2,289$1,860$1,502$1,206$852
20 years$2,631$2,127$1,707$1,360$1,078$744
21 years$2,479$1,981$1,570$1,235$964$651
22 years$2,341$1,850$1,447$1,122$864$570
23 years$2,216$1,730$1,336$1,022$776$500
24 years$2,101$1,621$1,236$932$697$439
25 years$1,995$1,521$1,144$851$628$385
26 years$1,898$1,430$1,061$779$565$339
27 years$1,808$1,345$986$713$510$298
28 years$1,725$1,268$916$653$460$263
29 years$1,648$1,196$853$599$415$231
30 years$1,576$1,129$794$550$375$204
31 years$1,508$1,068$740$505$339$180
32 years$1,445$1,010$691$464$307$158
33 years$1,386$957$645$427$278$140
34 years$1,331$907$603$392$251$123
35 years$1,278$860$563$361$228$109
36 years$1,229$816$527$333$206$96
37 years$1,183$775$493$307$187$85
38 years$1,139$737$462$283$170$75
39 years$1,098$701$433$261$154$66
40 years$1,058$667$406$240$139$58
41 years$1,021$635$380$222$127$52
42 years$985$604$357$205$115$46
43 years$952$576$335$189$104$40
44 years$920$549$314$174$95$36
45 years$889$523$295$161$86$31
46 years$860$499$277$149$78$28
47 years$832$476$260$137$71$25
48 years$805$455$245$127$64$22
49 years$780$434$230$117$58$19
50 years$756$415$216$108$53$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $774,000, adding $3,532 every year, while hoping to spend $35,553 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: 71/13/16 Blend
51$774,000$774,000$774,000$774,000
52$856,591$815,569$803,572$914,005
53$906,135$817,704$792,664$954,747
54$959,542$818,752$780,198$994,715
55$1,017,166$818,622$766,086$1,037,553
56$1,079,400$817,218$750,233$1,083,541
57$1,146,675$814,437$732,542$1,132,983
58$1,219,462$810,171$712,909$1,186,218
59$1,298,282$804,304$691,226$1,243,620
60$1,383,707$796,715$667,382$1,305,601
61$1,476,364$787,274$641,259$1,372,616
62$1,576,946$775,842$612,733$1,445,165
63$1,686,211$762,275$581,676$1,523,804
64$1,804,997$746,419$547,955$1,609,142
65$1,934,222$728,109$511,427$1,701,855
66$2,074,900$707,174$471,947$1,802,686
67$2,228,144$683,429$429,361$1,912,457
68$2,395,179$656,682$383,509$2,032,074
69$2,577,354$626,726$334,224$2,162,536
70$2,776,154$593,346$281,330$2,304,947
71$2,993,213$556,311$224,646$2,460,524
72$3,230,329$515,378$163,980$2,630,610
73$3,489,483$470,292$99,134$2,816,687
74$3,772,856$420,781$29,899$3,020,389
75$4,082,846$366,559$0$3,243,520
76$4,422,098$307,322$0$3,495,578
77$4,793,522$242,751$0$3,777,185
78$5,200,323$172,508$0$4,085,691
79$5,646,031$96,235$0$4,423,810
80$6,134,531$13,556$0$4,794,531
81$6,670,106$0$0$5,201,149
82$7,257,470$0$0$5,658,157
83$7,901,816$0$0$6,161,669
84$8,608,863$0$0$6,714,220
85$9,384,913$0$0$7,320,739
86$10,236,906$0$0$7,986,656
87$11,172,486$0$0$8,717,950
88$12,200,074$0$0$9,521,212
89$13,328,948$0$0$10,403,698
90$14,569,328$0$0$11,373,404
91$15,932,473$0$0$12,439,139
92$17,430,787$0$0$13,610,608
93$19,077,934$0$0$14,898,500
94$20,888,971$0$0$16,314,594
95$22,880,483$0$0$17,871,869
96$25,070,746$0$0$19,584,621
97$27,479,895$0$0$21,468,603
98$30,130,112$0$0$23,541,171
99$33,045,840$0$0$25,821,448
100$36,254,010$0$0$28,330,505