Can I retire at age 52 with 776,000?

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 $776,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.5%
1 years$64,081$63,511$62,954$62,410$61,879$61,489
2 years$31,723$31,133$30,560$30,005$29,466$29,073
3 years$20,939$20,346$19,774$19,224$18,695$18,310
4 years$15,548$14,956$14,391$13,850$13,333$12,960
5 years$12,314$11,726$11,168$10,638$10,136$9,776
6 years$10,159$9,575$9,025$8,507$8,020$7,673
7 years$8,620$8,041$7,500$6,994$6,522$6,189
8 years$7,466$6,893$6,361$5,867$5,411$5,091
9 years$6,569$6,001$5,478$4,998$4,557$4,251
10 years$5,852$5,290$4,776$4,308$3,883$3,590
11 years$5,266$4,709$4,205$3,749$3,339$3,059
12 years$4,778$4,227$3,732$3,289$2,894$2,626
13 years$4,365$3,820$3,334$2,903$2,523$2,269
14 years$4,012$3,472$2,996$2,577$2,212$1,970
15 years$3,706$3,172$2,705$2,299$1,948$1,717
16 years$3,438$2,910$2,452$2,058$1,721$1,502
17 years$3,202$2,680$2,231$1,849$1,526$1,318
18 years$2,993$2,476$2,037$1,666$1,357$1,160
19 years$2,806$2,295$1,865$1,506$1,210$1,023
20 years$2,637$2,133$1,711$1,364$1,080$904
21 years$2,485$1,987$1,574$1,238$967$800
22 years$2,347$1,854$1,451$1,125$867$710
23 years$2,222$1,734$1,340$1,025$778$630
24 years$2,106$1,625$1,239$935$699$560
25 years$2,001$1,525$1,147$854$629$498
26 years$1,903$1,433$1,064$781$567$443
27 years$1,813$1,349$988$714$511$395
28 years$1,730$1,271$919$655$461$352
29 years$1,652$1,199$855$600$416$314
30 years$1,580$1,132$796$551$376$281
31 years$1,512$1,070$742$506$340$251
32 years$1,449$1,013$693$465$308$224
33 years$1,390$959$647$428$278$200
34 years$1,334$909$604$393$252$179
35 years$1,282$862$565$362$228$160
36 years$1,232$818$528$334$207$143
37 years$1,186$777$495$307$187$128
38 years$1,142$739$463$283$170$115
39 years$1,100$702$434$261$154$103
40 years$1,061$668$407$241$140$92
41 years$1,023$636$381$222$127$82
42 years$988$606$358$205$115$74
43 years$954$577$336$189$104$66
44 years$922$550$315$175$95$59
45 years$891$525$296$161$86$53
46 years$862$501$278$149$78$48
47 years$834$478$261$138$71$43
48 years$808$456$245$127$64$38
49 years$782$435$231$118$59$34
50 years$758$416$217$109$53$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $776,000, adding $4,473 every year, while hoping to spend $54,381 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: 58/33/9 Blend
51$776,000$776,000$776,000$776,000
52$859,766$818,638$806,610$907,581
53$889,601$800,890$775,770$922,533
54$920,657$780,450$742,075$932,315
55$953,000$757,129$705,371$941,648
56$986,703$730,725$665,498$950,493
57$1,021,844$701,027$622,289$958,810
58$1,058,505$667,811$575,569$966,561
59$1,096,778$630,839$525,156$973,702
60$1,136,759$589,860$470,858$980,192
61$1,178,554$544,608$412,477$985,988
62$1,222,275$494,803$349,804$991,045
63$1,268,047$440,148$282,623$995,321
64$1,316,003$380,330$210,705$998,770
65$1,366,286$315,017$133,814$1,001,348
66$1,419,053$243,859$51,704$1,003,012
67$1,474,475$166,487$0$1,003,719
68$1,532,737$82,510$0$1,006,875
69$1,594,039$0$0$1,014,515
70$1,658,600$0$0$1,024,737
71$1,726,659$0$0$1,067,123
72$1,798,474$0$0$1,111,875
73$1,874,328$0$0$1,159,173
74$1,954,531$0$0$1,209,213
75$2,039,419$0$0$1,262,208
76$2,129,359$0$0$1,318,393
77$2,224,754$0$0$1,378,023
78$2,326,042$0$0$1,441,378
79$2,433,704$0$0$1,508,764
80$2,548,266$0$0$1,580,514
81$2,670,301$0$0$1,656,995
82$2,800,441$0$0$1,738,608
83$2,939,375$0$0$1,825,792
84$3,087,859$0$0$1,919,029
85$3,246,722$0$0$2,018,848
86$3,416,871$0$0$2,125,826
87$3,599,303$0$0$2,240,599
88$3,795,112$0$0$2,363,864
89$4,005,496$0$0$2,496,387
90$4,231,773$0$0$2,639,005
91$4,475,389$0$0$2,792,643
92$4,737,930$0$0$2,958,311
93$5,021,142$0$0$3,137,124
94$5,326,939$0$0$3,330,304
95$5,657,427$0$0$3,539,193
96$6,014,920$0$0$3,765,268
97$6,401,961$0$0$4,010,154
98$6,821,345$0$0$4,275,633
99$7,276,149$0$0$4,563,670
100$7,769,751$0$0$4,876,422