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%13.2%
1 years$64,247$63,674$63,116$62,571$62,039$61,213
2 years$31,805$31,213$30,639$30,082$29,542$28,711
3 years$20,993$20,398$19,825$19,274$18,743$17,933
4 years$15,588$14,995$14,428$13,886$13,368$12,585
5 years$12,346$11,756$11,197$10,666$10,162$9,409
6 years$10,185$9,600$9,048$8,529$8,041$7,318
7 years$8,642$8,062$7,519$7,012$6,539$5,847
8 years$7,485$6,910$6,377$5,883$5,425$4,763
9 years$6,586$6,017$5,492$5,011$4,569$3,937
10 years$5,867$5,303$4,788$4,319$3,893$3,291
11 years$5,280$4,721$4,216$3,759$3,348$2,776
12 years$4,790$4,238$3,741$3,297$2,901$2,357
13 years$4,376$3,830$3,343$2,911$2,530$2,014
14 years$4,022$3,481$3,003$2,584$2,218$1,729
15 years$3,715$3,180$2,712$2,304$1,953$1,490
16 years$3,447$2,918$2,458$2,063$1,726$1,289
17 years$3,210$2,687$2,237$1,854$1,530$1,118
18 years$3,000$2,483$2,042$1,671$1,361$972
19 years$2,813$2,301$1,870$1,510$1,213$846
20 years$2,644$2,138$1,716$1,367$1,083$739
21 years$2,492$1,992$1,578$1,241$969$646
22 years$2,353$1,859$1,455$1,128$869$565
23 years$2,227$1,739$1,343$1,028$780$495
24 years$2,112$1,629$1,242$937$701$434
25 years$2,006$1,529$1,150$856$631$381
26 years$1,908$1,437$1,067$783$568$335
27 years$1,818$1,352$991$716$512$295
28 years$1,734$1,274$921$656$462$259
29 years$1,656$1,202$857$602$417$228
30 years$1,584$1,135$798$552$377$201
31 years$1,516$1,073$744$507$341$177
32 years$1,453$1,016$694$466$308$156
33 years$1,393$962$648$429$279$137
34 years$1,338$911$606$394$253$121
35 years$1,285$865$566$363$229$107
36 years$1,236$821$530$334$207$94
37 years$1,189$779$496$308$188$83
38 years$1,145$741$464$284$170$73
39 years$1,103$704$435$262$155$65
40 years$1,064$670$408$242$140$57
41 years$1,026$638$382$223$127$50
42 years$991$607$359$206$115$44
43 years$957$579$337$190$105$39
44 years$924$552$316$175$95$35
45 years$894$526$297$162$86$31
46 years$864$502$279$150$78$27
47 years$836$479$262$138$71$24
48 years$810$457$246$128$65$21
49 years$784$437$231$118$59$19
50 years$760$417$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 $778,000, adding $2,398 every year, while hoping to spend $44,212 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: 66/26/8 Blend
51$778,000$778,000$778,000$778,000
52$859,830$818,596$806,537$915,115
53$900,491$811,665$786,514$945,240
54$943,818$802,914$764,339$972,655
55$990,036$792,205$739,893$1,001,455
56$1,039,391$779,395$713,052$1,031,769
57$1,092,155$764,331$683,684$1,063,743
58$1,148,623$746,852$651,656$1,097,537
59$1,209,120$726,785$616,824$1,133,328
60$1,274,003$703,950$579,041$1,171,314
61$1,343,663$678,156$538,150$1,211,716
62$1,418,530$649,198$493,991$1,254,776
63$1,499,074$616,863$446,394$1,300,765
64$1,585,812$580,922$395,181$1,349,982
65$1,679,314$541,136$340,168$1,402,760
66$1,780,203$497,251$281,163$1,459,469
67$1,889,165$448,997$217,963$1,520,517
68$2,006,954$396,092$150,359$1,586,357
69$2,134,398$338,235$78,131$1,657,493
70$2,272,407$275,109$1,048$1,734,481
71$2,421,982$206,380$0$1,817,938
72$2,584,225$131,692$0$1,915,481
73$2,760,345$50,675$0$2,021,480
74$2,951,674$0$0$2,136,707
75$3,159,676$0$0$2,272,718
76$3,385,963$0$0$2,436,501
77$3,632,307$0$0$2,614,848
78$3,900,660$0$0$2,809,175
79$4,193,166$0$0$3,021,044
80$4,512,190$0$0$3,252,171
81$4,860,330$0$0$3,504,447
82$5,240,449$0$0$3,779,952
83$5,655,698$0$0$4,080,978
84$6,109,546$0$0$4,410,046
85$6,605,810$0$0$4,769,932
86$7,148,695$0$0$5,163,693
87$7,742,832$0$0$5,594,696
88$8,393,316$0$0$6,066,647
89$9,105,763$0$0$6,583,627
90$9,886,354$0$0$7,150,132
91$10,741,896$0$0$7,771,113
92$11,679,889$0$0$8,452,020
93$12,708,590$0$0$9,198,861
94$13,837,095$0$0$10,018,248
95$15,075,423$0$0$10,917,468
96$16,434,609$0$0$11,904,544
97$17,926,809$0$0$12,988,318
98$19,565,413$0$0$14,178,526
99$21,365,172$0$0$15,485,895
100$23,342,335$0$0$16,922,243