Can I retire at age 52 with 783,000?

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 $783,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$64,659$64,083$63,522$62,973$62,438$60,879
2 years$32,010$31,413$30,836$30,276$29,732$28,172
3 years$21,128$20,529$19,953$19,398$18,863$17,350
4 years$15,688$15,091$14,520$13,975$13,453$11,999
5 years$12,425$11,832$11,268$10,734$10,227$8,835
6 years$10,250$9,661$9,107$8,584$8,092$6,764
7 years$8,697$8,114$7,568$7,058$6,581$5,317
8 years$7,533$6,955$6,418$5,920$5,460$4,259
9 years$6,629$6,055$5,528$5,043$4,598$3,460
10 years$5,905$5,338$4,819$4,347$3,918$2,841
11 years$5,314$4,752$4,243$3,783$3,369$2,353
12 years$4,821$4,265$3,765$3,318$2,920$1,961
13 years$4,404$3,854$3,364$2,930$2,546$1,644
14 years$4,048$3,503$3,023$2,601$2,232$1,384
15 years$3,739$3,200$2,729$2,319$1,965$1,169
16 years$3,469$2,936$2,474$2,077$1,737$990
17 years$3,231$2,704$2,252$1,866$1,540$841
18 years$3,020$2,499$2,055$1,682$1,369$716
19 years$2,831$2,316$1,882$1,519$1,220$611
20 years$2,661$2,152$1,727$1,376$1,090$521
21 years$2,508$2,005$1,588$1,249$976$446
22 years$2,369$1,871$1,464$1,136$874$382
23 years$2,242$1,750$1,352$1,034$785$327
24 years$2,125$1,640$1,250$943$706$280
25 years$2,019$1,539$1,158$861$635$240
26 years$1,920$1,446$1,074$788$572$206
27 years$1,829$1,361$997$721$516$177
28 years$1,745$1,283$927$661$465$152
29 years$1,667$1,210$863$606$420$131
30 years$1,594$1,143$803$556$380$113
31 years$1,526$1,080$749$511$343$97
32 years$1,462$1,022$699$469$310$83
33 years$1,402$968$653$431$281$72
34 years$1,346$917$610$397$254$62
35 years$1,293$870$570$365$230$53
36 years$1,244$826$533$337$209$46
37 years$1,197$784$499$310$189$39
38 years$1,152$745$467$286$172$34
39 years$1,110$709$438$264$156$29
40 years$1,070$674$410$243$141$25
41 years$1,033$642$385$224$128$22
42 years$997$611$361$207$116$19
43 years$963$583$339$191$105$16
44 years$930$555$318$176$96$14
45 years$899$529$299$163$87$12
46 years$870$505$280$150$79$10
47 years$842$482$263$139$72$9
48 years$815$460$248$128$65$8
49 years$789$439$233$119$59$7
50 years$764$420$219$110$54$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $783,000, adding $4,372 every year, while hoping to spend $48,270 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: 72/19/9 Blend
51$783,000$783,000$783,000$783,000
52$867,376$825,877$813,740$928,119
53$904,489$814,986$789,642$957,946
54$943,770$801,943$763,118$984,185
55$985,389$786,593$734,037$1,011,586
56$1,029,532$768,769$702,260$1,040,251
57$1,076,402$748,297$667,644$1,070,291
58$1,126,221$724,989$630,036$1,101,833
59$1,179,233$698,651$589,279$1,135,016
60$1,235,703$669,073$545,208$1,169,995
61$1,295,923$636,036$497,651$1,206,940
62$1,360,212$599,306$446,427$1,246,042
63$1,428,920$558,639$391,348$1,287,512
64$1,502,430$513,772$332,219$1,331,585
65$1,581,162$464,431$268,833$1,378,519
66$1,665,578$410,326$200,976$1,428,604
67$1,756,183$351,148$128,424$1,482,158
68$1,853,532$286,573$50,945$1,539,536
69$1,958,235$216,257$0$1,601,130
70$2,070,960$139,839$0$1,670,423
71$2,192,442$56,936$0$1,750,269
72$2,323,488$0$0$1,836,329
73$2,464,985$0$0$1,936,091
74$2,617,906$0$0$2,056,803
75$2,783,322$0$0$2,187,410
76$2,962,409$0$0$2,328,844
77$3,156,462$0$0$2,482,131
78$3,366,903$0$0$2,648,400
79$3,595,296$0$0$2,828,890
80$3,843,361$0$0$3,024,967
81$4,112,991$0$0$3,238,131
82$4,406,269$0$0$3,470,032
83$4,725,484$0$0$3,722,489
84$5,073,157$0$0$3,997,499
85$5,452,061$0$0$4,297,263
86$5,865,248$0$0$4,624,201
87$6,316,079$0$0$4,980,978
88$6,808,251$0$0$5,370,527
89$7,345,834$0$0$5,796,078
90$7,933,310$0$0$6,261,184
91$8,575,611$0$0$6,769,759
92$9,278,170$0$0$7,326,111
93$10,046,967$0$0$7,934,985
94$10,888,587$0$0$8,601,605
95$11,810,283$0$0$9,331,724
96$12,820,041$0$0$10,131,676
97$13,926,655$0$0$11,008,440
98$15,139,810$0$0$11,969,698
99$16,470,176$0$0$13,023,914
100$17,929,501$0$0$14,180,410