Can I retire at age 52 with 777,000?

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 $777,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$64,164$63,592$63,035$62,491$61,959$59,976
2 years$31,764$31,173$30,599$30,044$29,504$27,524
3 years$20,966$20,372$19,800$19,249$18,719$16,804
4 years$15,568$14,975$14,409$13,868$13,350$11,516
5 years$12,330$11,741$11,182$10,652$10,149$8,400
6 years$10,172$9,587$9,037$8,518$8,030$6,368
7 years$8,631$8,051$7,510$7,003$6,531$4,955
8 years$7,476$6,902$6,369$5,875$5,418$3,928
9 years$6,578$6,009$5,485$5,004$4,563$3,156
10 years$5,860$5,297$4,782$4,314$3,888$2,562
11 years$5,273$4,715$4,210$3,754$3,344$2,097
12 years$4,784$4,232$3,737$3,293$2,897$1,728
13 years$4,371$3,825$3,338$2,907$2,527$1,430
14 years$4,017$3,477$3,000$2,581$2,215$1,189
15 years$3,710$3,176$2,708$2,301$1,950$992
16 years$3,442$2,914$2,455$2,061$1,723$830
17 years$3,206$2,684$2,234$1,852$1,528$696
18 years$2,997$2,480$2,040$1,669$1,359$584
19 years$2,809$2,298$1,867$1,508$1,211$491
20 years$2,641$2,136$1,714$1,366$1,082$414
21 years$2,489$1,989$1,576$1,239$968$349
22 years$2,350$1,857$1,453$1,127$868$295
23 years$2,224$1,737$1,341$1,026$779$249
24 years$2,109$1,627$1,240$936$700$210
25 years$2,003$1,527$1,149$855$630$178
26 years$1,906$1,435$1,066$782$567$150
27 years$1,815$1,351$989$715$512$127
28 years$1,732$1,273$920$655$462$108
29 years$1,654$1,201$856$601$417$91
30 years$1,582$1,134$797$552$377$77
31 years$1,514$1,072$743$507$341$66
32 years$1,451$1,014$694$466$308$56
33 years$1,391$960$648$428$279$47
34 years$1,336$910$605$394$252$40
35 years$1,283$863$566$363$229$34
36 years$1,234$820$529$334$207$29
37 years$1,187$778$495$308$188$24
38 years$1,143$740$464$284$170$21
39 years$1,102$703$435$262$154$17
40 years$1,062$669$407$241$140$15
41 years$1,025$637$382$223$127$13
42 years$989$607$358$205$115$11
43 years$955$578$336$190$105$9
44 years$923$551$316$175$95$8
45 years$892$525$296$162$86$7
46 years$863$501$278$149$78$6
47 years$835$478$261$138$71$5
48 years$809$457$246$127$65$4
49 years$783$436$231$118$59$3
50 years$759$417$217$109$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $777,000, adding $2,412 every year, while hoping to spend $46,434 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: 67/15/18 Blend
51$777,000$777,000$777,000$777,000
52$858,742$817,561$805,517$912,334
53$896,928$808,216$783,097$939,128
54$937,453$796,857$758,369$962,789
55$980,506$783,336$731,207$987,527
56$1,026,295$767,497$701,480$1,013,448
57$1,075,047$749,173$669,049$1,040,666
58$1,127,009$728,190$633,769$1,069,311
59$1,182,454$704,361$595,490$1,099,526
60$1,241,679$677,490$554,055$1,131,472
61$1,305,012$647,369$509,297$1,165,325
62$1,372,811$613,778$461,046$1,201,285
63$1,445,468$576,483$409,121$1,239,570
64$1,523,413$535,238$353,334$1,280,426
65$1,607,120$489,783$293,490$1,324,124
66$1,697,107$439,844$229,383$1,370,966
67$1,793,944$385,128$160,799$1,421,286
68$1,898,255$325,328$87,515$1,475,457
69$2,010,728$260,121$9,298$1,533,892
70$2,132,118$189,161$0$1,597,049
71$2,263,252$112,089$0$1,679,680
72$2,405,042$28,519$0$1,770,936
73$2,558,489$0$0$1,869,705
74$2,724,695$0$0$1,986,956
75$2,904,868$0$0$2,119,204
76$3,100,340$0$0$2,262,723
77$3,312,574$0$0$2,418,593
78$3,543,179$0$0$2,588,001
79$3,793,928$0$0$2,772,254
80$4,066,767$0$0$2,972,790
81$4,363,840$0$0$3,191,191
82$4,687,506$0$0$3,429,196
83$5,040,360$0$0$3,688,721
84$5,425,260$0$0$3,971,875
85$5,845,349$0$0$4,280,979
86$6,304,088$0$0$4,618,586
87$6,805,288$0$0$4,987,508
88$7,353,143$0$0$5,390,843
89$7,952,271$0$0$5,831,998
90$8,607,758$0$0$6,314,726
91$9,325,201$0$0$6,843,160
92$10,110,766$0$0$7,421,850
93$10,971,242$0$0$8,055,809
94$11,914,106$0$0$8,750,555
95$12,947,591$0$0$9,512,167
96$14,080,767$0$0$10,347,338
97$15,323,621$0$0$11,263,441
98$16,687,155$0$0$12,268,599
99$18,183,485$0$0$13,371,755
100$19,825,960$0$0$14,582,764