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%12.7%
1 years$64,577$64,002$63,440$62,893$62,358$61,655
2 years$31,969$31,373$30,796$30,237$29,694$28,987
3 years$21,101$20,503$19,927$19,373$18,839$18,149
4 years$15,668$15,072$14,502$13,957$13,436$12,769
5 years$12,409$11,816$11,254$10,720$10,214$9,571
6 years$10,237$9,649$9,095$8,573$8,082$7,464
7 years$8,686$8,103$7,558$7,049$6,573$5,981
8 years$7,524$6,946$6,410$5,913$5,453$4,886
9 years$6,620$6,048$5,521$5,036$4,592$4,051
10 years$5,898$5,331$4,813$4,341$3,913$3,396
11 years$5,307$4,746$4,237$3,778$3,365$2,873
12 years$4,815$4,259$3,761$3,314$2,916$2,448
13 years$4,399$3,849$3,360$2,926$2,543$2,098
14 years$4,043$3,499$3,019$2,597$2,229$1,807
15 years$3,734$3,196$2,726$2,316$1,963$1,563
16 years$3,465$2,933$2,471$2,074$1,735$1,356
17 years$3,227$2,701$2,249$1,863$1,538$1,180
18 years$3,016$2,496$2,053$1,679$1,368$1,030
19 years$2,827$2,313$1,879$1,517$1,219$901
20 years$2,658$2,149$1,725$1,374$1,089$789
21 years$2,505$2,002$1,586$1,247$974$692
22 years$2,366$1,869$1,462$1,134$873$608
23 years$2,239$1,748$1,350$1,033$784$535
24 years$2,123$1,638$1,248$942$705$471
25 years$2,016$1,537$1,156$860$634$415
26 years$1,918$1,444$1,072$787$571$366
27 years$1,827$1,359$996$720$515$323
28 years$1,743$1,281$926$660$465$285
29 years$1,665$1,208$861$605$420$252
30 years$1,592$1,141$802$555$379$223
31 years$1,524$1,079$748$510$343$197
32 years$1,460$1,021$698$469$310$174
33 years$1,400$967$652$431$281$154
34 years$1,344$916$609$396$254$137
35 years$1,292$869$569$365$230$121
36 years$1,242$825$533$336$208$107
37 years$1,195$783$498$310$189$95
38 years$1,151$744$467$285$171$84
39 years$1,109$708$437$263$155$75
40 years$1,069$674$410$243$141$66
41 years$1,031$641$384$224$128$59
42 years$996$611$361$207$116$52
43 years$962$582$338$191$105$46
44 years$929$555$318$176$96$41
45 years$898$529$298$163$87$36
46 years$869$504$280$150$79$32
47 years$841$481$263$139$72$29
48 years$814$460$247$128$65$25
49 years$788$439$232$119$59$22
50 years$764$419$219$110$54$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $782,000, adding $3,782 every year, while hoping to spend $31,067 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: 47/40/13 Blend
51$782,000$782,000$782,000$782,000
52$865,665$824,219$812,098$903,034
53$920,908$831,551$806,248$936,594
54$980,744$838,201$799,161$969,498
55$1,045,610$844,102$790,763$1,004,520
56$1,115,984$849,185$780,975$1,041,867
57$1,192,393$853,374$769,717$1,081,770
58$1,275,418$856,590$756,903$1,124,484
59$1,365,695$858,747$742,444$1,170,292
60$1,463,926$859,756$726,246$1,219,507
61$1,570,883$859,520$708,211$1,272,475
62$1,687,415$857,939$688,239$1,329,581
63$1,814,457$854,903$666,220$1,391,248
64$1,953,037$850,299$642,044$1,457,946
65$2,104,288$844,005$615,594$1,530,196
66$2,269,456$835,892$586,747$1,608,571
67$2,449,913$825,823$555,375$1,693,709
68$2,647,168$813,653$521,345$1,786,313
69$2,862,886$799,229$484,517$1,887,160
70$3,098,897$782,388$444,745$1,997,113
71$3,357,217$762,957$401,876$2,117,121
72$3,640,066$740,755$355,752$2,248,238
73$3,949,889$715,587$306,205$2,391,625
74$4,289,377$687,251$253,063$2,548,569
75$4,661,496$655,529$196,143$2,720,490
76$5,069,511$620,192$135,256$2,908,957
77$5,517,019$580,999$70,205$3,115,707
78$6,007,981$537,694$782$3,342,655
79$6,546,760$490,006$0$3,591,920
80$7,138,162$437,649$0$3,876,007
81$7,787,482$380,321$0$4,188,111
82$8,500,551$317,702$0$4,531,008
83$9,283,793$249,456$0$4,907,885
84$10,144,286$175,226$0$5,322,256
85$11,089,827$94,635$0$5,778,003
86$12,129,003$7,286$0$6,279,407
87$13,271,277$0$0$6,831,193
88$14,527,075$0$0$7,476,973
89$15,907,881$0$0$8,190,661
90$17,426,349$0$0$8,975,604
91$19,096,421$0$0$9,839,019
92$20,933,456$0$0$10,788,862
93$22,954,379$0$0$11,833,897
94$25,177,836$0$0$12,983,779
95$27,624,372$0$0$14,249,147
96$30,316,624$0$0$15,641,726
97$33,279,535$0$0$17,174,431
98$36,540,587$0$0$18,861,495
99$40,130,062$0$0$20,718,602
100$44,081,327$0$0$22,763,030