Can I retire at age 52 with 785,000?

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 $785,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$64,825$64,247$63,684$63,134$62,597$61,866
2 years$32,091$31,494$30,914$30,353$29,808$29,072
3 years$21,182$20,581$20,004$19,447$18,911$18,194
4 years$15,728$15,130$14,558$14,011$13,488$12,794
5 years$12,457$11,862$11,297$10,762$10,253$9,585
6 years$10,276$9,686$9,130$8,606$8,113$7,471
7 years$8,720$8,134$7,587$7,076$6,598$5,983
8 years$7,553$6,973$6,434$5,936$5,474$4,885
9 years$6,646$6,071$5,542$5,056$4,610$4,047
10 years$5,920$5,351$4,832$4,358$3,928$3,391
11 years$5,327$4,764$4,254$3,793$3,378$2,867
12 years$4,833$4,276$3,775$3,327$2,927$2,442
13 years$4,416$3,864$3,373$2,937$2,553$2,091
14 years$4,058$3,512$3,030$2,607$2,238$1,800
15 years$3,749$3,209$2,736$2,325$1,970$1,556
16 years$3,478$2,944$2,481$2,082$1,741$1,349
17 years$3,239$2,711$2,257$1,871$1,544$1,173
18 years$3,027$2,505$2,061$1,686$1,373$1,023
19 years$2,838$2,322$1,886$1,523$1,224$894
20 years$2,668$2,158$1,731$1,380$1,093$782
21 years$2,514$2,010$1,592$1,252$978$686
22 years$2,375$1,876$1,468$1,138$877$602
23 years$2,247$1,755$1,355$1,037$787$529
24 years$2,131$1,644$1,253$946$707$466
25 years$2,024$1,543$1,161$864$636$410
26 years$1,925$1,450$1,077$790$573$361
27 years$1,834$1,365$1,000$723$517$319
28 years$1,750$1,286$929$662$466$281
29 years$1,671$1,213$865$607$421$248
30 years$1,598$1,146$806$557$381$219
31 years$1,530$1,083$751$512$344$194
32 years$1,466$1,025$701$470$311$171
33 years$1,406$970$654$433$282$152
34 years$1,350$920$611$398$255$134
35 years$1,297$872$571$366$231$119
36 years$1,247$828$535$337$209$105
37 years$1,200$786$500$311$190$93
38 years$1,155$747$469$287$172$82
39 years$1,113$711$439$264$156$73
40 years$1,073$676$411$244$141$65
41 years$1,035$644$386$225$128$57
42 years$999$613$362$208$116$51
43 years$965$584$340$192$106$45
44 years$933$557$319$177$96$40
45 years$902$531$299$163$87$35
46 years$872$506$281$151$79$31
47 years$844$483$264$139$72$28
48 years$817$461$248$129$65$25
49 years$791$441$233$119$59$22
50 years$766$421$219$110$54$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $785,000, adding $4,755 every year, while hoping to spend $52,452 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: 72/14/14 Blend
51$785,000$785,000$785,000$785,000
52$869,975$828,370$816,202$929,607
53$902,904$813,151$787,737$954,540
54$937,433$795,429$756,559$974,973
55$973,672$775,026$722,524$995,959
56$1,011,736$751,751$685,478$1,017,542
57$1,051,753$725,408$645,262$1,039,769
58$1,093,862$695,783$601,709$1,062,697
59$1,138,214$662,653$554,643$1,086,386
60$1,184,971$625,783$503,884$1,110,906
61$1,234,314$584,922$449,239$1,136,335
62$1,286,436$539,806$390,511$1,162,759
63$1,341,551$490,155$327,492$1,190,277
64$1,399,891$435,674$259,964$1,218,998
65$1,461,709$376,051$187,702$1,249,045
66$1,527,281$310,955$110,468$1,280,555
67$1,596,911$240,039$28,016$1,313,681
68$1,670,929$162,934$0$1,348,594
69$1,749,698$79,252$0$1,394,447
70$1,833,613$0$0$1,447,541
71$1,923,110$0$0$1,505,726
72$2,018,663$0$0$1,580,907
73$2,120,794$0$0$1,661,287
74$2,230,073$0$0$1,747,318
75$2,347,126$0$0$1,839,497
76$2,472,641$0$0$1,938,367
77$2,607,371$0$0$2,044,526
78$2,752,143$0$0$2,158,629
79$2,907,864$0$0$2,281,396
80$3,075,531$0$0$2,413,617
81$3,256,239$0$0$2,556,159
82$3,451,190$0$0$2,709,975
83$3,661,705$0$0$2,876,114
84$3,889,235$0$0$3,055,724
85$4,135,374$0$0$3,250,071
86$4,401,878$0$0$3,460,546
87$4,690,672$0$0$3,688,677
88$5,003,877$0$0$3,936,144
89$5,343,824$0$0$4,204,796
90$5,713,077$0$0$4,496,667
91$6,114,455$0$0$4,813,992
92$6,551,061$0$0$5,159,233
93$7,026,308$0$0$5,535,096
94$7,543,952$0$0$5,944,560
95$8,108,126$0$0$6,390,903
96$8,723,379$0$0$6,877,733
97$9,394,716$0$0$7,409,021
98$10,127,649$0$0$7,989,138
99$10,928,243$0$0$8,622,895
100$11,803,176$0$0$9,315,589