Can I retire at age 52 with 775,000?

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 $775,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$63,999$63,429$62,873$62,330$61,800$60,601
2 years$31,683$31,093$30,521$29,966$29,428$28,226
3 years$20,912$20,319$19,749$19,200$18,671$17,502
4 years$15,528$14,937$14,372$13,832$13,316$12,189
5 years$12,298$11,711$11,153$10,624$10,123$9,042
6 years$10,145$9,563$9,014$8,496$8,010$6,976
7 years$8,609$8,031$7,490$6,985$6,514$5,527
8 years$7,456$6,884$6,352$5,860$5,404$4,464
9 years$6,561$5,994$5,471$4,991$4,551$3,657
10 years$5,845$5,283$4,770$4,303$3,878$3,029
11 years$5,259$4,703$4,199$3,745$3,335$2,530
12 years$4,772$4,221$3,727$3,284$2,890$2,129
13 years$4,359$3,815$3,330$2,900$2,520$1,801
14 years$4,006$3,468$2,992$2,574$2,209$1,530
15 years$3,701$3,168$2,701$2,296$1,945$1,305
16 years$3,434$2,906$2,449$2,055$1,719$1,117
17 years$3,198$2,677$2,229$1,847$1,524$959
18 years$2,989$2,473$2,034$1,664$1,355$824
19 years$2,802$2,292$1,862$1,504$1,208$710
20 years$2,634$2,130$1,709$1,362$1,079$613
21 years$2,482$1,984$1,572$1,236$966$530
22 years$2,344$1,852$1,449$1,124$866$458
23 years$2,219$1,732$1,338$1,024$777$397
24 years$2,104$1,623$1,237$934$698$344
25 years$1,998$1,523$1,146$853$628$299
26 years$1,901$1,431$1,063$780$566$259
27 years$1,811$1,347$987$714$510$225
28 years$1,727$1,269$917$654$460$196
29 years$1,650$1,198$854$600$416$170
30 years$1,578$1,131$795$550$376$148
31 years$1,510$1,069$741$505$340$129
32 years$1,447$1,012$692$464$307$112
33 years$1,388$958$646$427$278$97
34 years$1,332$908$603$393$252$85
35 years$1,280$861$564$362$228$74
36 years$1,231$817$528$333$207$64
37 years$1,184$776$494$307$187$56
38 years$1,140$738$463$283$170$49
39 years$1,099$702$433$261$154$43
40 years$1,060$667$406$241$140$37
41 years$1,022$635$381$222$127$32
42 years$987$605$357$205$115$28
43 years$953$577$335$189$104$25
44 years$921$550$315$175$95$21
45 years$890$524$296$161$86$19
46 years$861$500$278$149$78$16
47 years$833$477$261$138$71$14
48 years$807$455$245$127$64$12
49 years$781$435$230$118$58$11
50 years$757$415$217$109$53$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $775,000, adding $5,738 every year, while hoping to spend $38,191 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: 68/17/15 Blend
51$775,000$775,000$775,000$775,000
52$859,969$818,894$806,881$915,057
53$907,051$818,385$793,277$951,989
54$957,655$816,571$777,937$987,314
55$1,012,100$813,347$760,762$1,024,985
56$1,070,737$808,604$741,651$1,065,229
57$1,133,951$802,224$720,494$1,108,298
58$1,202,163$794,082$697,180$1,154,466
59$1,275,838$784,046$671,589$1,204,042
60$1,355,485$771,977$643,600$1,257,363
61$1,441,667$757,726$613,083$1,314,804
62$1,534,999$741,136$579,903$1,376,776
63$1,636,158$722,041$543,919$1,443,737
64$1,745,890$700,265$504,984$1,516,192
65$1,865,015$675,622$462,945$1,594,696
66$1,994,433$647,914$417,640$1,679,866
67$2,135,136$616,933$368,902$1,772,381
68$2,288,215$582,457$316,555$1,872,992
69$2,454,870$544,254$260,417$1,982,530
70$2,636,421$502,077$200,295$2,101,909
71$2,834,321$455,665$135,991$2,232,142
72$3,050,171$404,741$67,295$2,374,345
73$3,285,730$349,015$0$2,529,753
74$3,542,936$288,178$0$2,700,689
75$3,823,921$221,905$0$2,899,253
76$4,131,035$149,852$0$3,116,359
77$4,466,862$71,656$0$3,353,881
78$4,834,249$0$0$3,613,883
79$5,236,330$0$0$3,901,085
80$5,676,557$0$0$4,230,255
81$6,158,730$0$0$4,590,835
82$6,687,033$0$0$4,985,960
83$7,266,078$0$0$5,419,084
84$7,900,939$0$0$5,894,010
85$8,597,209$0$0$6,414,927
86$9,361,044$0$0$6,986,450
87$10,199,229$0$0$7,613,659
88$11,119,235$0$0$8,302,154
89$12,129,291$0$0$9,058,100
90$13,238,464$0$0$9,888,289
91$14,456,739$0$0$10,800,206
92$15,795,120$0$0$11,802,092
93$17,265,724$0$0$12,903,029
94$18,881,905$0$0$14,113,021
95$20,658,371$0$0$15,443,089
96$22,611,328$0$0$16,905,376
97$24,758,629$0$0$18,513,260
98$27,119,944$0$0$20,281,480
99$29,716,946$0$0$22,226,274
100$32,573,511$0$0$24,365,533