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%13.2%
1 years$64,081$63,511$62,954$62,410$61,879$61,055
2 years$31,723$31,133$30,560$30,005$29,466$28,638
3 years$20,939$20,346$19,774$19,224$18,695$17,887
4 years$15,548$14,956$14,391$13,850$13,333$12,553
5 years$12,314$11,726$11,168$10,638$10,136$9,384
6 years$10,159$9,575$9,025$8,507$8,020$7,299
7 years$8,620$8,041$7,500$6,994$6,522$5,832
8 years$7,466$6,893$6,361$5,867$5,411$4,751
9 years$6,569$6,001$5,478$4,998$4,557$3,927
10 years$5,852$5,290$4,776$4,308$3,883$3,283
11 years$5,266$4,709$4,205$3,749$3,339$2,768
12 years$4,778$4,227$3,732$3,289$2,894$2,351
13 years$4,365$3,820$3,334$2,903$2,523$2,009
14 years$4,012$3,472$2,996$2,577$2,212$1,724
15 years$3,706$3,172$2,705$2,299$1,948$1,486
16 years$3,438$2,910$2,452$2,058$1,721$1,285
17 years$3,202$2,680$2,231$1,849$1,526$1,115
18 years$2,993$2,476$2,037$1,666$1,357$969
19 years$2,806$2,295$1,865$1,506$1,210$844
20 years$2,637$2,133$1,711$1,364$1,080$737
21 years$2,485$1,987$1,574$1,238$967$644
22 years$2,347$1,854$1,451$1,125$867$564
23 years$2,222$1,734$1,340$1,025$778$494
24 years$2,106$1,625$1,239$935$699$433
25 years$2,001$1,525$1,147$854$629$380
26 years$1,903$1,433$1,064$781$567$334
27 years$1,813$1,349$988$714$511$294
28 years$1,730$1,271$919$655$461$258
29 years$1,652$1,199$855$600$416$227
30 years$1,580$1,132$796$551$376$200
31 years$1,512$1,070$742$506$340$176
32 years$1,449$1,013$693$465$308$155
33 years$1,390$959$647$428$278$137
34 years$1,334$909$604$393$252$121
35 years$1,282$862$565$362$228$107
36 years$1,232$818$528$334$207$94
37 years$1,186$777$495$307$187$83
38 years$1,142$739$463$283$170$73
39 years$1,100$702$434$261$154$65
40 years$1,061$668$407$241$140$57
41 years$1,023$636$381$222$127$50
42 years$988$606$358$205$115$44
43 years$954$577$336$189$104$39
44 years$922$550$315$175$95$35
45 years$891$525$296$161$86$31
46 years$862$501$278$149$78$27
47 years$834$478$261$138$71$24
48 years$808$456$245$127$64$21
49 years$782$435$231$118$59$19
50 years$758$416$217$109$53$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $776,000, adding $3,999 every year, while hoping to spend $59,416 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: 53/22/25 Blend
51$776,000$776,000$776,000$776,000
52$859,277$818,149$806,121$898,661
53$883,705$795,020$769,908$903,165
54$908,633$768,767$730,490$901,627
55$934,050$739,172$687,698$898,736
56$959,941$706,009$641,353$894,386
57$986,287$669,036$591,271$888,460
58$1,013,066$627,996$537,256$880,839
59$1,040,251$582,620$479,106$871,390
60$1,067,810$532,622$416,610$859,976
61$1,095,706$477,700$349,546$846,448
62$1,123,895$417,535$277,683$830,646
63$1,152,327$351,789$200,780$812,402
64$1,180,944$280,105$118,585$791,535
65$1,209,678$202,109$30,836$767,850
66$1,238,454$117,401$0$741,141
67$1,267,186$25,562$0$727,942
68$1,295,773$0$0$721,127
69$1,324,105$0$0$730,167
70$1,352,057$0$0$745,132
71$1,379,486$0$0$759,749
72$1,406,232$0$0$773,923
73$1,432,117$0$0$787,548
74$1,456,939$0$0$800,505
75$1,480,473$0$0$812,662
76$1,502,468$0$0$823,870
77$1,522,642$0$0$833,962
78$1,540,683$0$0$842,756
79$1,556,240$0$0$850,043
80$1,568,923$0$0$855,596
81$1,578,299$0$0$859,158
82$1,583,886$0$0$860,448
83$1,585,148$0$0$859,148
84$1,581,489$0$0$854,911
85$1,572,249$0$0$847,348
86$1,556,693$0$0$836,028
87$1,534,010$0$0$820,475
88$1,503,297$0$0$800,159
89$1,463,554$0$0$774,494
90$1,413,676$0$0$742,833
91$1,352,437$0$0$704,456
92$1,278,480$0$0$658,569
93$1,190,305$0$0$604,293
94$1,086,250$0$0$540,655
95$964,480$0$0$466,580
96$822,963$0$0$380,878
97$659,455$0$0$282,237
98$471,474$0$0$169,203
99$256,279$0$0$40,172
100$10,841$0$0$0