Can I retire at age 52 with 776,000?

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 $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%12.2%
1 years$64,081$63,511$62,954$62,410$61,879$61,310
2 years$31,723$31,133$30,560$30,005$29,466$28,892
3 years$20,939$20,346$19,774$19,224$18,695$18,134
4 years$15,548$14,956$14,391$13,850$13,333$12,791
5 years$12,314$11,726$11,168$10,638$10,136$9,612
6 years$10,159$9,575$9,025$8,507$8,020$7,517
7 years$8,620$8,041$7,500$6,994$6,522$6,040
8 years$7,466$6,893$6,361$5,867$5,411$4,948
9 years$6,569$6,001$5,478$4,998$4,557$4,114
10 years$5,852$5,290$4,776$4,308$3,883$3,460
11 years$5,266$4,709$4,205$3,749$3,339$2,936
12 years$4,778$4,227$3,732$3,289$2,894$2,510
13 years$4,365$3,820$3,334$2,903$2,523$2,158
14 years$4,012$3,472$2,996$2,577$2,212$1,865
15 years$3,706$3,172$2,705$2,299$1,948$1,618
16 years$3,438$2,910$2,452$2,058$1,721$1,409
17 years$3,202$2,680$2,231$1,849$1,526$1,231
18 years$2,993$2,476$2,037$1,666$1,357$1,078
19 years$2,806$2,295$1,865$1,506$1,210$946
20 years$2,637$2,133$1,711$1,364$1,080$831
21 years$2,485$1,987$1,574$1,238$967$732
22 years$2,347$1,854$1,451$1,125$867$646
23 years$2,222$1,734$1,340$1,025$778$570
24 years$2,106$1,625$1,239$935$699$504
25 years$2,001$1,525$1,147$854$629$446
26 years$1,903$1,433$1,064$781$567$395
27 years$1,813$1,349$988$714$511$350
28 years$1,730$1,271$919$655$461$310
29 years$1,652$1,199$855$600$416$275
30 years$1,580$1,132$796$551$376$244
31 years$1,512$1,070$742$506$340$217
32 years$1,449$1,013$693$465$308$193
33 years$1,390$959$647$428$278$171
34 years$1,334$909$604$393$252$152
35 years$1,282$862$565$362$228$135
36 years$1,232$818$528$334$207$121
37 years$1,186$777$495$307$187$107
38 years$1,142$739$463$283$170$95
39 years$1,100$702$434$261$154$85
40 years$1,061$668$407$241$140$76
41 years$1,023$636$381$222$127$67
42 years$988$606$358$205$115$60
43 years$954$577$336$189$104$53
44 years$922$550$315$175$95$48
45 years$891$525$296$161$86$42
46 years$862$501$278$149$78$38
47 years$834$478$261$138$71$34
48 years$808$456$245$127$64$30
49 years$782$435$231$118$59$27
50 years$758$416$217$109$53$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $776,000, adding $2,937 every year, while hoping to spend $35,449 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: 45/31/24 Blend
51$776,000$776,000$776,000$776,000
52$858,182$817,054$805,026$890,739
53$907,999$819,372$794,276$916,348
54$961,709$820,615$781,979$940,419
55$1,019,672$820,694$768,044$965,817
56$1,082,283$819,513$752,379$992,683
57$1,149,977$816,970$734,884$1,021,177
58$1,223,231$812,958$715,459$1,051,473
59$1,302,569$807,361$693,995$1,083,769
60$1,388,568$800,059$670,381$1,118,283
61$1,481,863$790,923$644,500$1,155,259
62$1,583,151$779,817$616,229$1,194,970
63$1,693,201$766,595$585,441$1,237,716
64$1,812,855$751,106$552,001$1,283,833
65$1,943,043$733,187$515,769$1,333,694
66$2,084,786$712,666$476,600$1,387,715
67$2,239,209$689,361$434,341$1,446,356
68$2,407,549$663,081$388,832$1,510,128
69$2,591,167$633,620$339,907$1,579,600
70$2,791,564$600,765$287,391$1,655,401
71$3,010,388$564,287$231,103$1,738,231
72$3,249,455$523,945$170,853$1,828,865
73$3,510,766$479,485$106,443$1,928,163
74$3,796,521$430,636$37,665$2,037,077
75$4,109,144$377,116$0$2,156,664
76$4,451,305$318,622$0$2,297,244
77$4,825,941$254,838$0$2,461,850
78$5,236,289$185,427$0$2,642,322
79$5,685,912$110,035$0$2,840,312
80$6,178,737$28,288$0$3,057,644
81$6,719,084$0$0$3,296,333
82$7,311,715$0$0$3,579,142
83$7,961,875$0$0$3,900,084
84$8,675,338$0$0$4,252,372
85$9,458,467$0$0$4,639,159
86$10,318,270$0$0$5,063,919
87$11,262,466$0$0$5,530,480
88$12,299,560$0$0$6,043,055
89$13,438,920$0$0$6,606,291
90$14,690,866$0$0$7,225,301
91$16,066,768$0$0$7,905,724
92$17,579,150$0$0$8,653,768
93$19,241,813$0$0$9,476,275
94$21,069,960$0$0$10,380,783
95$23,080,340$0$0$11,375,594
96$25,291,409$0$0$12,469,860
97$27,723,498$0$0$13,673,660
98$30,399,009$0$0$14,998,102
99$33,342,626$0$0$16,455,423
100$36,581,543$0$0$18,059,108