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%16.4%
1 years$64,825$64,247$63,684$63,134$62,597$60,960
2 years$32,091$31,494$30,914$30,353$29,808$28,170
3 years$21,182$20,581$20,004$19,447$18,911$17,324
4 years$15,728$15,130$14,558$14,011$13,488$11,962
5 years$12,457$11,862$11,297$10,762$10,253$8,794
6 years$10,276$9,686$9,130$8,606$8,113$6,722
7 years$8,720$8,134$7,587$7,076$6,598$5,275
8 years$7,553$6,973$6,434$5,936$5,474$4,218
9 years$6,646$6,071$5,542$5,056$4,610$3,421
10 years$5,920$5,351$4,832$4,358$3,928$2,804
11 years$5,327$4,764$4,254$3,793$3,378$2,317
12 years$4,833$4,276$3,775$3,327$2,927$1,928
13 years$4,416$3,864$3,373$2,937$2,553$1,612
14 years$4,058$3,512$3,030$2,607$2,238$1,354
15 years$3,749$3,209$2,736$2,325$1,970$1,142
16 years$3,478$2,944$2,481$2,082$1,741$965
17 years$3,239$2,711$2,257$1,871$1,544$818
18 years$3,027$2,505$2,061$1,686$1,373$695
19 years$2,838$2,322$1,886$1,523$1,224$591
20 years$2,668$2,158$1,731$1,380$1,093$504
21 years$2,514$2,010$1,592$1,252$978$430
22 years$2,375$1,876$1,468$1,138$877$367
23 years$2,247$1,755$1,355$1,037$787$314
24 years$2,131$1,644$1,253$946$707$268
25 years$2,024$1,543$1,161$864$636$230
26 years$1,925$1,450$1,077$790$573$197
27 years$1,834$1,365$1,000$723$517$168
28 years$1,750$1,286$929$662$466$144
29 years$1,671$1,213$865$607$421$124
30 years$1,598$1,146$806$557$381$106
31 years$1,530$1,083$751$512$344$91
32 years$1,466$1,025$701$470$311$78
33 years$1,406$970$654$433$282$67
34 years$1,350$920$611$398$255$58
35 years$1,297$872$571$366$231$49
36 years$1,247$828$535$337$209$42
37 years$1,200$786$500$311$190$36
38 years$1,155$747$469$287$172$31
39 years$1,113$711$439$264$156$27
40 years$1,073$676$411$244$141$23
41 years$1,035$644$386$225$128$20
42 years$999$613$362$208$116$17
43 years$965$584$340$192$106$15
44 years$933$557$319$177$96$13
45 years$902$531$299$163$87$11
46 years$872$506$281$151$79$9
47 years$844$483$264$139$72$8
48 years$817$461$248$129$65$7
49 years$791$441$233$119$59$6
50 years$766$421$219$110$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $785,000, adding $4,260 every year, while hoping to spend $50,263 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: 63/12/25 Blend
51$785,000$785,000$785,000$785,000
52$869,464$827,859$815,692$918,254
53$904,670$814,945$789,538$938,857
54$941,782$799,713$760,823$955,419
55$980,942$781,997$729,409$972,396
56$1,022,305$761,621$695,150$989,836
57$1,066,037$738,398$657,895$1,007,793
58$1,112,322$712,129$617,484$1,026,329
59$1,161,362$682,606$573,753$1,045,515
60$1,213,374$649,607$526,527$1,065,428
61$1,268,599$612,899$475,626$1,086,161
62$1,327,298$572,232$420,861$1,107,813
63$1,389,757$527,346$362,035$1,130,501
64$1,456,289$477,963$298,940$1,154,354
65$1,527,239$423,791$231,363$1,179,518
66$1,602,981$364,521$159,077$1,206,157
67$1,683,927$299,825$81,849$1,234,455
68$1,770,530$229,359$0$1,264,619
69$1,863,283$152,757$0$1,297,033
70$1,962,731$69,634$0$1,355,114
71$2,069,468$0$0$1,417,369
72$2,184,148$0$0$1,486,891
73$2,307,489$0$0$1,571,594
74$2,440,278$0$0$1,662,826
75$2,583,380$0$0$1,761,188
76$2,737,746$0$0$1,867,339
77$2,904,419$0$0$1,982,003
78$3,084,547$0$0$2,105,974
79$3,279,390$0$0$2,240,128
80$3,490,334$0$0$2,385,424
81$3,718,903$0$0$2,542,920
82$3,966,771$0$0$2,713,777
83$4,235,780$0$0$2,899,274
84$4,527,957$0$0$3,100,815
85$4,845,530$0$0$3,319,946
86$5,190,950$0$0$3,558,368
87$5,566,916$0$0$3,817,952
88$5,976,394$0$0$4,100,758
89$6,422,651$0$0$4,409,052
90$6,909,281$0$0$4,745,327
91$7,440,241$0$0$5,112,328
92$8,019,884$0$0$5,513,077
93$8,653,004$0$0$5,950,901
94$9,344,878$0$0$6,429,460
95$10,101,314$0$0$6,952,787
96$10,928,710$0$0$7,525,320
97$11,834,108$0$0$8,151,947
98$12,825,262$0$0$8,838,050
99$13,910,712$0$0$9,589,555
100$15,099,863$0$0$10,412,989