Can I retire at age 52 with 784,000?

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 $784,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$64,742$64,165$63,603$63,053$62,517$60,132
2 years$32,050$31,454$30,875$30,314$29,770$27,395
3 years$21,155$20,555$19,978$19,423$18,887$16,597
4 years$15,708$15,110$14,539$13,993$13,471$11,283
5 years$12,441$11,847$11,283$10,748$10,240$8,160
6 years$10,263$9,674$9,118$8,595$8,103$6,132
7 years$8,709$8,124$7,577$7,067$6,590$4,728
8 years$7,543$6,964$6,426$5,928$5,467$3,712
9 years$6,637$6,063$5,535$5,049$4,604$2,954
10 years$5,913$5,344$4,825$4,353$3,923$2,374
11 years$5,320$4,758$4,248$3,788$3,374$1,923
12 years$4,827$4,270$3,770$3,323$2,924$1,568
13 years$4,410$3,859$3,368$2,933$2,549$1,284
14 years$4,053$3,508$3,027$2,604$2,235$1,055
15 years$3,744$3,204$2,733$2,322$1,968$870
16 years$3,473$2,940$2,477$2,079$1,739$720
17 years$3,235$2,708$2,254$1,868$1,542$596
18 years$3,024$2,502$2,058$1,684$1,371$495
19 years$2,835$2,319$1,884$1,521$1,222$411
20 years$2,665$2,155$1,729$1,378$1,092$342
21 years$2,511$2,007$1,590$1,250$977$285
22 years$2,372$1,874$1,466$1,137$876$238
23 years$2,244$1,752$1,353$1,035$786$198
24 years$2,128$1,642$1,252$944$706$165
25 years$2,021$1,541$1,159$862$636$138
26 years$1,923$1,448$1,075$789$573$115
27 years$1,832$1,363$998$722$516$96
28 years$1,747$1,284$928$661$466$81
29 years$1,669$1,211$864$606$421$67
30 years$1,596$1,144$805$557$380$56
31 years$1,528$1,082$750$511$344$47
32 years$1,464$1,023$700$470$311$39
33 years$1,404$969$653$432$281$33
34 years$1,348$919$610$397$255$28
35 years$1,295$871$571$366$231$23
36 years$1,245$827$534$337$209$19
37 years$1,198$785$500$311$189$16
38 years$1,154$746$468$286$172$13
39 years$1,112$710$438$264$156$11
40 years$1,072$675$411$243$141$9
41 years$1,034$643$385$225$128$8
42 years$998$612$361$207$116$7
43 years$964$583$339$191$106$6
44 years$932$556$318$177$96$5
45 years$901$530$299$163$87$4
46 years$871$506$281$151$79$3
47 years$843$483$264$139$72$3
48 years$816$461$248$129$65$2
49 years$790$440$233$119$59$2
50 years$765$420$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 $784,000, adding $6,087 every year, while hoping to spend $52,430 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: 77/13/10 Blend
51$784,000$784,000$784,000$784,000
52$870,247$828,695$816,543$935,284
53$903,227$813,516$788,112$963,738
54$937,814$795,836$756,971$987,612
55$974,116$775,477$722,975$1,012,286
56$1,012,251$752,250$685,970$1,037,818
57$1,052,347$725,957$645,797$1,064,275
58$1,094,544$696,387$602,288$1,091,727
59$1,138,993$663,315$555,271$1,120,255
60$1,185,859$626,507$504,561$1,149,950
61$1,235,323$585,711$449,969$1,180,908
62$1,287,579$540,664$391,297$1,213,242
63$1,342,842$491,087$328,336$1,247,073
64$1,401,347$436,685$260,869$1,282,536
65$1,463,347$377,145$188,671$1,319,782
66$1,529,121$312,138$111,505$1,358,979
67$1,598,975$241,316$29,123$1,400,313
68$1,673,241$164,312$0$1,443,989
69$1,752,284$80,735$0$1,496,510
70$1,836,503$0$0$1,555,580
71$1,926,335$0$0$1,619,807
72$2,022,259$0$0$1,700,737
73$2,124,800$0$0$1,787,267
74$2,234,533$0$0$1,879,885
75$2,352,088$0$0$1,979,124
76$2,478,156$0$0$2,085,572
77$2,613,498$0$0$2,199,872
78$2,758,946$0$0$2,322,729
79$2,915,413$0$0$2,454,921
80$3,083,905$0$0$2,597,296
81$3,265,523$0$0$2,750,791
82$3,461,478$0$0$2,916,433
83$3,673,101$0$0$3,095,350
84$3,901,854$0$0$3,288,781
85$4,149,345$0$0$3,498,090
86$4,417,338$0$0$3,724,775
87$4,707,777$0$0$3,970,483
88$5,022,796$0$0$4,237,026
89$5,364,744$0$0$4,526,395
90$5,736,204$0$0$4,840,781
91$6,140,017$0$0$5,182,594
92$6,579,309$0$0$5,554,485
93$7,057,519$0$0$5,959,373
94$7,578,430$0$0$6,400,467
95$8,146,206$0$0$6,881,299
96$8,765,432$0$0$7,405,757
97$9,441,150$0$0$7,978,121
98$10,178,914$0$0$8,603,101
99$10,984,834$0$0$9,285,882
100$11,865,640$0$0$10,032,173