Can I retire at age 52 with 778,000?

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 $778,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.6%
1 years$64,247$63,674$63,116$62,571$62,039$61,112
2 years$31,805$31,213$30,639$30,082$29,542$28,610
3 years$20,993$20,398$19,825$19,274$18,743$17,835
4 years$15,588$14,995$14,428$13,886$13,368$12,491
5 years$12,346$11,756$11,197$10,666$10,162$9,319
6 years$10,185$9,600$9,048$8,529$8,041$7,232
7 years$8,642$8,062$7,519$7,012$6,539$5,766
8 years$7,485$6,910$6,377$5,883$5,425$4,686
9 years$6,586$6,017$5,492$5,011$4,569$3,864
10 years$5,867$5,303$4,788$4,319$3,893$3,222
11 years$5,280$4,721$4,216$3,759$3,348$2,711
12 years$4,790$4,238$3,741$3,297$2,901$2,297
13 years$4,376$3,830$3,343$2,911$2,530$1,957
14 years$4,022$3,481$3,003$2,584$2,218$1,675
15 years$3,715$3,180$2,712$2,304$1,953$1,440
16 years$3,447$2,918$2,458$2,063$1,726$1,242
17 years$3,210$2,687$2,237$1,854$1,530$1,074
18 years$3,000$2,483$2,042$1,671$1,361$931
19 years$2,813$2,301$1,870$1,510$1,213$809
20 years$2,644$2,138$1,716$1,367$1,083$704
21 years$2,492$1,992$1,578$1,241$969$613
22 years$2,353$1,859$1,455$1,128$869$535
23 years$2,227$1,739$1,343$1,028$780$467
24 years$2,112$1,629$1,242$937$701$409
25 years$2,006$1,529$1,150$856$631$358
26 years$1,908$1,437$1,067$783$568$313
27 years$1,818$1,352$991$716$512$275
28 years$1,734$1,274$921$656$462$241
29 years$1,656$1,202$857$602$417$211
30 years$1,584$1,135$798$552$377$185
31 years$1,516$1,073$744$507$341$163
32 years$1,453$1,016$694$466$308$143
33 years$1,393$962$648$429$279$126
34 years$1,338$911$606$394$253$110
35 years$1,285$865$566$363$229$97
36 years$1,236$821$530$334$207$85
37 years$1,189$779$496$308$188$75
38 years$1,145$741$464$284$170$66
39 years$1,103$704$435$262$155$58
40 years$1,064$670$408$242$140$51
41 years$1,026$638$382$223$127$45
42 years$991$607$359$206$115$39
43 years$957$579$337$190$105$35
44 years$924$552$316$175$95$31
45 years$894$526$297$162$86$27
46 years$864$502$279$150$78$24
47 years$836$479$262$138$71$21
48 years$810$457$246$128$65$18
49 years$784$437$231$118$59$16
50 years$760$417$217$109$53$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $778,000, adding $4,788 every year, while hoping to spend $29,189 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: 35/41/24 Blend
51$778,000$778,000$778,000$778,000
52$862,295$821,061$809,002$886,067
53$919,192$830,236$805,047$913,275
54$980,914$838,882$799,980$939,606
55$1,047,923$846,943$793,735$967,433
56$1,120,726$854,358$786,240$996,910
57$1,199,882$861,063$777,421$1,028,205
58$1,286,003$866,989$767,198$1,061,505
59$1,379,767$872,063$755,490$1,097,021
60$1,481,916$876,206$742,212$1,134,984
61$1,593,269$879,338$727,274$1,175,652
62$1,714,726$881,369$710,581$1,219,311
63$1,847,278$882,207$692,036$1,266,279
64$1,992,017$881,751$671,535$1,316,909
65$2,150,143$879,897$648,972$1,371,592
66$2,322,978$876,533$624,233$1,430,762
67$2,511,979$871,540$597,202$1,494,901
68$2,718,748$864,792$567,755$1,564,542
69$2,945,049$856,156$535,763$1,640,276
70$3,192,826$845,489$501,093$1,722,759
71$3,464,218$832,643$463,605$1,812,717
72$3,761,583$817,457$423,150$1,910,954
73$4,087,516$799,764$379,577$2,018,362
74$4,444,875$779,384$332,725$2,135,925
75$4,836,808$756,130$282,427$2,264,736
76$5,266,783$729,801$228,509$2,406,003
77$5,738,618$700,185$170,788$2,561,063
78$6,256,522$667,058$109,074$2,731,395
79$6,825,128$630,184$43,168$2,918,635
80$7,449,540$589,313$0$3,124,594
81$8,135,382$544,178$0$3,358,229
82$8,888,848$494,500$0$3,627,045
83$9,716,764$439,984$0$3,922,482
84$10,626,646$380,315$0$4,247,304
85$11,626,778$315,164$0$4,604,563
86$12,726,283$244,182$0$4,997,627
87$13,935,216$166,999$0$5,430,215
88$15,264,652$83,225$0$5,906,432
89$16,726,794$0$0$6,430,805
90$18,335,086$0$0$7,011,739
91$20,104,343$0$0$7,692,248
92$22,050,884$0$0$8,441,076
93$24,192,693$0$0$9,265,158
94$26,549,585$0$0$10,172,133
95$29,143,390$0$0$11,170,420
96$31,998,164$0$0$12,269,296
97$35,140,413$0$0$13,478,981
98$38,599,342$0$0$14,810,737
99$42,407,132$0$0$16,276,976
100$46,599,243$0$0$17,891,370