Can I retire at age 52 with 782,000?

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 $782,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$64,577$64,002$63,440$62,893$62,358$60,074
2 years$31,969$31,373$30,796$30,237$29,694$27,418
3 years$21,101$20,503$19,927$19,373$18,839$16,643
4 years$15,668$15,072$14,502$13,957$13,436$11,337
5 years$12,409$11,816$11,254$10,720$10,214$8,217
6 years$10,237$9,649$9,095$8,573$8,082$6,188
7 years$8,686$8,103$7,558$7,049$6,573$4,782
8 years$7,524$6,946$6,410$5,913$5,453$3,764
9 years$6,620$6,048$5,521$5,036$4,592$3,002
10 years$5,898$5,331$4,813$4,341$3,913$2,419
11 years$5,307$4,746$4,237$3,778$3,365$1,965
12 years$4,815$4,259$3,761$3,314$2,916$1,606
13 years$4,399$3,849$3,360$2,926$2,543$1,319
14 years$4,043$3,499$3,019$2,597$2,229$1,087
15 years$3,734$3,196$2,726$2,316$1,963$899
16 years$3,465$2,933$2,471$2,074$1,735$746
17 years$3,227$2,701$2,249$1,863$1,538$620
18 years$3,016$2,496$2,053$1,679$1,368$516
19 years$2,827$2,313$1,879$1,517$1,219$430
20 years$2,658$2,149$1,725$1,374$1,089$359
21 years$2,505$2,002$1,586$1,247$974$300
22 years$2,366$1,869$1,462$1,134$873$251
23 years$2,239$1,748$1,350$1,033$784$210
24 years$2,123$1,638$1,248$942$705$176
25 years$2,016$1,537$1,156$860$634$147
26 years$1,918$1,444$1,072$787$571$123
27 years$1,827$1,359$996$720$515$103
28 years$1,743$1,281$926$660$465$87
29 years$1,665$1,208$861$605$420$73
30 years$1,592$1,141$802$555$379$61
31 years$1,524$1,079$748$510$343$51
32 years$1,460$1,021$698$469$310$43
33 years$1,400$967$652$431$281$36
34 years$1,344$916$609$396$254$30
35 years$1,292$869$569$365$230$25
36 years$1,242$825$533$336$208$21
37 years$1,195$783$498$310$189$18
38 years$1,151$744$467$285$171$15
39 years$1,109$708$437$263$155$13
40 years$1,069$674$410$243$141$11
41 years$1,031$641$384$224$128$9
42 years$996$611$361$207$116$7
43 years$962$582$338$191$105$6
44 years$929$555$318$176$96$5
45 years$898$529$298$163$87$4
46 years$869$504$280$150$79$4
47 years$841$481$263$139$72$3
48 years$814$460$247$128$65$3
49 years$788$439$232$119$59$2
50 years$764$419$219$110$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $782,000, adding $5,293 every year, while hoping to spend $55,632 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: 88/7/5 Blend
51$782,000$782,000$782,000$782,000
52$867,224$825,778$813,657$943,164
53$896,489$807,049$781,722$974,651
54$926,874$785,538$746,853$1,000,913
55$958,435$761,049$708,893$1,027,942
56$991,232$733,377$667,677$1,055,774
57$1,025,327$702,302$623,034$1,084,444
58$1,060,790$667,594$574,785$1,113,992
59$1,097,692$629,008$522,742$1,144,462
60$1,136,113$586,285$466,710$1,175,902
61$1,176,135$539,153$406,484$1,208,361
62$1,217,851$487,321$341,851$1,241,895
63$1,261,357$430,484$272,588$1,276,567
64$1,306,757$368,320$198,462$1,312,440
65$1,354,166$300,488$119,230$1,349,589
66$1,403,705$226,626$34,638$1,388,092
67$1,455,507$146,354$0$1,428,036
68$1,509,715$59,271$0$1,472,484
69$1,566,482$0$0$1,520,737
70$1,625,977$0$0$1,573,775
71$1,688,382$0$0$1,634,197
72$1,753,893$0$0$1,697,629
73$1,822,726$0$0$1,764,278
74$1,895,112$0$0$1,834,371
75$1,971,306$0$0$1,908,152
76$2,051,582$0$0$1,985,889
77$2,136,242$0$0$2,067,874
78$2,225,611$0$0$2,154,422
79$2,320,048$0$0$2,245,881
80$2,419,942$0$0$2,342,627
81$2,525,716$0$0$2,445,073
82$2,637,837$0$0$2,553,669
83$2,756,810$0$0$2,668,906
84$2,883,191$0$0$2,791,322
85$3,017,586$0$0$2,921,506
86$3,160,660$0$0$3,060,100
87$3,313,138$0$0$3,207,810
88$3,475,816$0$0$3,365,408
89$3,649,567$0$0$3,533,738
90$3,835,347$0$0$3,713,727
91$4,034,201$0$0$3,906,390
92$4,247,280$0$0$4,112,842
93$4,475,843$0$0$4,334,304
94$4,721,272$0$0$4,572,117
95$4,985,085$0$0$4,827,752
96$5,268,948$0$0$5,102,823
97$5,574,690$0$0$5,399,105
98$5,904,319$0$0$5,718,545
99$6,260,042$0$0$6,063,284
100$6,644,284$0$0$6,435,671