Can I retire at age 52 with 780,000?

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 $780,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$64,412$63,838$63,278$62,732$62,198$61,498
2 years$31,887$31,293$30,718$30,160$29,618$28,913
3 years$21,047$20,450$19,876$19,323$18,791$18,103
4 years$15,628$15,033$14,465$13,921$13,402$12,736
5 years$12,377$11,786$11,225$10,693$10,188$9,547
6 years$10,211$9,624$9,072$8,551$8,061$7,445
7 years$8,664$8,082$7,539$7,031$6,556$5,965
8 years$7,505$6,928$6,393$5,898$5,439$4,874
9 years$6,603$6,032$5,507$5,024$4,580$4,040
10 years$5,882$5,317$4,801$4,330$3,903$3,388
11 years$5,293$4,734$4,227$3,769$3,356$2,866
12 years$4,803$4,249$3,751$3,306$2,909$2,442
13 years$4,388$3,839$3,351$2,918$2,536$2,093
14 years$4,032$3,490$3,011$2,591$2,223$1,803
15 years$3,725$3,188$2,719$2,310$1,958$1,559
16 years$3,456$2,925$2,465$2,069$1,730$1,353
17 years$3,219$2,694$2,243$1,859$1,534$1,177
18 years$3,008$2,489$2,047$1,675$1,364$1,027
19 years$2,820$2,307$1,874$1,514$1,216$898
20 years$2,651$2,144$1,720$1,371$1,086$787
21 years$2,498$1,997$1,582$1,244$972$690
22 years$2,359$1,864$1,458$1,131$871$606
23 years$2,233$1,743$1,346$1,030$782$533
24 years$2,117$1,633$1,245$940$703$470
25 years$2,011$1,533$1,153$858$632$414
26 years$1,913$1,441$1,070$785$570$365
27 years$1,822$1,356$993$718$514$322
28 years$1,738$1,278$923$658$463$285
29 years$1,660$1,205$859$603$418$252
30 years$1,588$1,138$800$554$378$222
31 years$1,520$1,076$746$509$342$197
32 years$1,456$1,018$696$467$309$174
33 years$1,397$964$650$430$280$154
34 years$1,341$914$607$395$253$136
35 years$1,288$867$568$364$229$121
36 years$1,239$823$531$335$208$107
37 years$1,192$781$497$309$188$95
38 years$1,148$743$466$285$171$84
39 years$1,106$706$436$263$155$74
40 years$1,066$672$409$242$141$66
41 years$1,029$639$383$223$127$58
42 years$993$609$360$206$116$52
43 years$959$580$337$190$105$46
44 years$927$553$317$176$95$41
45 years$896$527$297$162$87$36
46 years$867$503$279$150$79$32
47 years$839$480$262$139$71$28
48 years$812$458$247$128$65$25
49 years$786$438$232$118$59$22
50 years$762$418$218$109$53$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $780,000, adding $2,167 every year, while hoping to spend $45,435 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: 40/37/23 Blend
51$780,000$780,000$780,000$780,000
52$861,795$820,455$808,365$890,326
53$901,356$812,315$787,103$902,921
54$943,429$802,253$763,606$912,078
55$988,223$790,128$737,750$921,075
56$1,035,965$775,788$709,409$929,925
57$1,086,906$759,074$678,446$938,644
58$1,141,319$739,817$644,723$947,254
59$1,199,504$717,838$608,092$955,782
60$1,261,789$692,948$568,399$964,264
61$1,328,536$664,947$525,484$972,743
62$1,400,139$633,622$479,180$981,271
63$1,477,032$598,749$429,312$989,910
64$1,559,693$560,090$375,697$998,736
65$1,648,642$517,395$318,144$1,007,836
66$1,744,455$470,399$256,453$1,017,313
67$1,847,762$418,822$190,417$1,027,287
68$1,959,256$362,366$119,818$1,037,896
69$2,079,697$300,719$44,429$1,049,300
70$2,209,922$233,550$0$1,061,685
71$2,350,850$160,510$0$1,084,101
72$2,503,491$81,229$0$1,120,159
73$2,668,957$0$0$1,159,282
74$2,848,469$0$0$1,203,755
75$3,043,370$0$0$1,288,034
76$3,255,138$0$0$1,379,697
77$3,485,399$0$0$1,479,458
78$3,735,941$0$0$1,588,104
79$4,008,732$0$0$1,706,501
80$4,305,936$0$0$1,835,602
81$4,629,938$0$0$1,976,455
82$4,983,359$0$0$2,130,213
83$5,369,085$0$0$2,298,148
84$5,790,294$0$0$2,481,658
85$6,250,484$0$0$2,682,283
86$6,753,505$0$0$2,901,717
87$7,303,597$0$0$3,141,828
88$7,905,427$0$0$3,404,670
89$8,564,135$0$0$3,692,507
90$9,285,380$0$0$4,007,831
91$10,075,394$0$0$4,353,387
92$10,941,042$0$0$4,732,197
93$11,889,881$0$0$5,147,591
94$12,930,237$0$0$5,603,236
95$14,071,278$0$0$6,103,170
96$15,323,104$0$0$6,651,842
97$16,696,837$0$0$7,254,152
98$18,204,730$0$0$7,915,498
99$19,860,280$0$0$8,641,826
100$21,678,354$0$0$9,439,687