Can I retire at age 52 with 785,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $3,587 every year, while hoping to spend $31,436 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: 24/46/30 Blend
51$785,000$785,000$785,000$785,000
52$868,770$827,165$814,997$881,391
53$923,937$834,248$808,852$899,615
54$983,677$840,625$801,448$916,256
55$1,048,424$846,228$792,708$933,436
56$1,118,654$850,984$782,555$951,222
57$1,194,892$854,817$770,905$969,688
58$1,277,712$857,645$757,672$988,922
59$1,367,751$859,381$742,765$1,009,022
60$1,465,704$859,933$726,090$1,030,097
61$1,572,339$859,203$707,548$1,052,274
62$1,688,500$857,087$687,034$1,075,692
63$1,815,118$853,474$664,440$1,100,510
64$1,953,213$848,248$639,652$1,126,908
65$2,103,912$841,284$612,552$1,155,087
66$2,268,454$832,450$583,015$1,185,272
67$2,448,203$821,606$550,912$1,217,715
68$2,644,659$808,604$516,107$1,252,702
69$2,859,476$793,287$478,459$1,290,549
70$3,094,474$775,490$437,819$1,331,611
71$3,351,657$755,035$394,032$1,376,286
72$3,633,231$731,737$346,937$1,425,018
73$3,941,626$705,398$296,365$1,478,301
74$4,279,519$675,809$242,140$1,536,689
75$4,649,855$642,749$184,077$1,600,796
76$5,055,882$605,985$121,985$1,671,309
77$5,501,173$565,270$55,663$1,748,992
78$5,989,666$520,341$0$1,834,696
79$6,525,697$470,924$0$1,934,204
80$7,114,044$416,724$0$2,063,060
81$7,759,968$357,436$0$2,204,669
82$8,469,266$292,731$0$2,360,406
83$9,248,322$222,265$0$2,531,793
84$10,104,170$145,676$0$2,720,514
85$11,044,559$62,577$0$2,928,433
86$12,078,025$0$0$3,157,611
87$13,213,973$0$0$3,424,214
88$14,462,763$0$0$3,752,269
89$15,835,810$0$0$4,113,118
90$17,345,690$0$0$4,510,085
91$19,006,259$0$0$4,946,830
92$20,832,782$0$0$5,427,391
93$22,842,079$0$0$5,956,212
94$25,052,681$0$0$6,538,193
95$27,485,006$0$0$7,178,730
96$30,161,553$0$0$7,883,773
97$33,107,110$0$0$8,659,873
98$36,348,989$0$0$9,514,252
99$39,917,286$0$0$10,454,866
100$43,845,162$0$0$11,490,483