Can I retire at age 52 with 781,000?

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 $781,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$64,494$63,920$63,359$62,812$62,278$60,068
2 years$31,928$31,333$30,757$30,198$29,656$27,454
3 years$21,074$20,477$19,902$19,348$18,815$16,689
4 years$15,648$15,052$14,483$13,939$13,419$11,385
5 years$12,393$11,801$11,240$10,707$10,201$8,265
6 years$10,224$9,637$9,083$8,562$8,072$6,235
7 years$8,675$8,093$7,548$7,040$6,564$4,827
8 years$7,514$6,937$6,402$5,905$5,446$3,805
9 years$6,612$6,040$5,514$5,030$4,586$3,041
10 years$5,890$5,324$4,807$4,336$3,908$2,455
11 years$5,300$4,740$4,232$3,774$3,361$1,998
12 years$4,809$4,254$3,756$3,310$2,912$1,636
13 years$4,393$3,844$3,356$2,922$2,540$1,346
14 years$4,037$3,494$3,015$2,594$2,226$1,112
15 years$3,729$3,192$2,722$2,313$1,960$922
16 years$3,460$2,929$2,468$2,071$1,732$766
17 years$3,223$2,697$2,246$1,861$1,536$638
18 years$3,012$2,492$2,050$1,677$1,366$532
19 years$2,824$2,310$1,877$1,516$1,217$445
20 years$2,654$2,147$1,722$1,373$1,087$372
21 years$2,501$1,999$1,584$1,246$973$312
22 years$2,363$1,866$1,460$1,133$872$261
23 years$2,236$1,746$1,348$1,032$783$219
24 years$2,120$1,636$1,247$941$704$184
25 years$2,014$1,535$1,155$859$633$154
26 years$1,915$1,443$1,071$786$570$130
27 years$1,825$1,358$995$719$514$109
28 years$1,741$1,279$925$659$464$92
29 years$1,663$1,207$860$604$419$77
30 years$1,590$1,140$801$554$379$65
31 years$1,522$1,077$747$509$342$54
32 years$1,458$1,019$697$468$310$46
33 years$1,399$965$651$430$280$38
34 years$1,343$915$608$396$254$32
35 years$1,290$868$569$365$230$27
36 years$1,240$824$532$336$208$23
37 years$1,194$782$498$309$189$19
38 years$1,149$744$466$285$171$16
39 years$1,107$707$437$263$155$14
40 years$1,068$673$409$242$141$11
41 years$1,030$640$384$224$128$10
42 years$994$610$360$206$116$8
43 years$960$581$338$191$105$7
44 years$928$554$317$176$95$6
45 years$897$528$298$163$87$5
46 years$868$504$280$150$79$4
47 years$840$481$263$139$71$3
48 years$813$459$247$128$65$3
49 years$787$438$232$118$59$2
50 years$763$419$218$109$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $781,000, adding $6,389 every year, while hoping to spend $55,160 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: 66/7/27 Blend
51$781,000$781,000$781,000$781,000
52$867,252$825,859$813,754$917,961
53$897,022$807,637$782,325$934,714
54$927,980$786,672$747,994$946,258
55$960,188$762,774$710,606$957,649
56$993,715$735,737$669,999$968,874
57$1,028,632$705,347$626,003$979,923
58$1,065,018$671,374$578,439$990,787
59$1,102,957$633,578$527,124$1,001,459
60$1,142,539$591,703$471,862$1,011,929
61$1,183,860$545,480$412,452$1,022,195
62$1,227,028$494,622$348,683$1,032,251
63$1,272,154$438,828$280,334$1,042,098
64$1,319,363$377,779$207,173$1,051,737
65$1,368,786$311,139$128,962$1,061,173
66$1,420,568$238,550$45,448$1,070,415
67$1,474,865$159,638$0$1,079,476
68$1,531,847$74,006$0$1,100,956
69$1,591,696$0$0$1,137,087
70$1,654,614$0$0$1,176,320
71$1,720,818$0$0$1,223,617
72$1,790,543$0$0$1,273,449
73$1,864,047$0$0$1,326,001
74$1,941,612$0$0$1,381,478
75$2,023,542$0$0$1,440,100
76$2,110,171$0$0$1,502,110
77$2,201,864$0$0$1,567,772
78$2,299,018$0$0$1,637,372
79$2,402,067$0$0$1,711,227
80$2,511,486$0$0$1,789,681
81$2,627,795$0$0$1,873,110
82$2,751,562$0$0$1,961,927
83$2,883,409$0$0$2,056,583
84$3,024,017$0$0$2,157,571
85$3,174,131$0$0$2,265,434
86$3,334,569$0$0$2,380,764
87$3,506,228$0$0$2,504,212
88$3,690,089$0$0$2,636,490
89$3,887,229$0$0$2,778,382
90$4,098,832$0$0$2,930,745
91$4,326,194$0$0$3,094,522
92$4,570,739$0$0$3,270,747
93$4,834,031$0$0$3,460,555
94$5,117,787$0$0$3,665,193
95$5,423,893$0$0$3,886,032
96$5,754,420$0$0$4,124,576
97$6,111,645$0$0$4,382,480
98$6,498,071$0$0$4,661,562
99$6,916,449$0$0$4,963,821
100$7,369,801$0$0$5,291,454