Can I retire at age 52 with 779,000?

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 $779,000?

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$64,329$63,756$63,197$62,651$62,119$60,130
2 years$31,846$31,253$30,678$30,121$29,580$27,595
3 years$21,020$20,424$19,851$19,299$18,767$16,848
4 years$15,608$15,014$14,446$13,904$13,385$11,546
5 years$12,361$11,771$11,211$10,679$10,175$8,421
6 years$10,198$9,612$9,060$8,540$8,051$6,384
7 years$8,653$8,072$7,529$7,021$6,548$4,968
8 years$7,495$6,919$6,385$5,890$5,432$3,938
9 years$6,595$6,025$5,500$5,017$4,574$3,164
10 years$5,875$5,310$4,795$4,325$3,898$2,569
11 years$5,286$4,727$4,221$3,764$3,352$2,103
12 years$4,796$4,243$3,746$3,301$2,905$1,732
13 years$4,382$3,835$3,347$2,915$2,533$1,434
14 years$4,027$3,485$3,007$2,587$2,221$1,192
15 years$3,720$3,184$2,715$2,307$1,955$995
16 years$3,451$2,921$2,462$2,066$1,728$832
17 years$3,215$2,690$2,240$1,856$1,532$697
18 years$3,004$2,486$2,045$1,673$1,362$586
19 years$2,816$2,304$1,872$1,512$1,214$493
20 years$2,648$2,141$1,718$1,369$1,085$415
21 years$2,495$1,994$1,580$1,243$971$350
22 years$2,356$1,862$1,456$1,130$870$295
23 years$2,230$1,741$1,345$1,029$781$250
24 years$2,115$1,631$1,244$938$702$211
25 years$2,008$1,531$1,152$857$632$178
26 years$1,911$1,439$1,068$784$569$151
27 years$1,820$1,354$992$717$513$128
28 years$1,736$1,276$922$657$463$108
29 years$1,658$1,204$858$603$418$92
30 years$1,586$1,137$799$553$378$78
31 years$1,518$1,075$745$508$341$66
32 years$1,455$1,017$695$467$309$56
33 years$1,395$963$649$429$279$47
34 years$1,339$913$607$395$253$40
35 years$1,287$866$567$364$229$34
36 years$1,237$822$531$335$208$29
37 years$1,191$780$497$309$188$24
38 years$1,146$742$465$284$171$21
39 years$1,105$705$436$262$155$18
40 years$1,065$671$408$242$140$15
41 years$1,027$639$383$223$127$13
42 years$992$608$359$206$116$11
43 years$958$580$337$190$105$9
44 years$926$552$316$176$95$8
45 years$895$527$297$162$86$7
46 years$865$503$279$150$78$6
47 years$837$480$262$138$71$5
48 years$811$458$246$128$65$4
49 years$785$437$232$118$59$3
50 years$761$418$218$109$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $779,000, adding $3,192 every year, while hoping to spend $47,286 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: 51/37/12 Blend
51$779,000$779,000$779,000$779,000
52$861,751$820,464$808,389$902,780
53$899,337$810,354$785,158$921,075
54$939,173$798,165$759,564$935,676
55$981,437$783,743$731,478$950,470
56$1,026,326$766,929$700,765$965,488
57$1,074,054$747,552$667,283$980,768
58$1,124,856$725,430$630,886$996,353
59$1,178,989$700,375$591,419$1,012,295
60$1,236,735$672,182$548,720$1,028,653
61$1,298,403$640,639$502,623$1,045,497
62$1,364,328$605,519$452,949$1,062,908
63$1,434,884$566,583$399,517$1,080,978
64$1,510,475$523,579$342,134$1,099,814
65$1,591,547$476,238$280,599$1,119,537
66$1,678,588$424,277$214,703$1,140,287
67$1,772,137$367,399$144,228$1,162,223
68$1,872,781$305,288$68,945$1,185,524
69$1,981,166$237,609$0$1,210,396
70$2,098,004$164,011$0$1,238,529
71$2,224,075$84,121$0$1,278,242
72$2,360,235$0$0$1,321,026
73$2,507,426$0$0$1,368,250
74$2,666,684$0$0$1,456,465
75$2,839,147$0$0$1,552,061
76$3,026,065$0$0$1,655,740
77$3,228,815$0$0$1,768,273
78$3,448,909$0$0$1,890,509
79$3,688,011$0$0$2,023,382
80$3,947,953$0$0$2,167,919
81$4,230,747$0$0$2,325,252
82$4,538,609$0$0$2,496,622
83$4,873,977$0$0$2,683,399
84$5,239,534$0$0$2,887,090
85$5,638,233$0$0$3,109,351
86$6,073,324$0$0$3,352,009
87$6,548,384$0$0$3,617,070
88$7,067,351$0$0$3,906,747
89$7,634,560$0$0$4,223,475
90$8,254,784$0$0$4,569,933
91$8,933,278$0$0$4,949,074
92$9,675,828$0$0$5,364,146
93$10,488,806$0$0$5,818,729
94$11,379,228$0$0$6,316,764
95$12,354,821$0$0$6,862,592
96$13,424,094$0$0$7,460,991
97$14,596,420$0$0$8,117,227
98$15,882,119$0$0$8,837,099
99$17,292,560$0$0$9,626,993
100$18,840,266$0$0$10,493,944