Can I retire at age 52 with 786,000?

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 $786,000?

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$64,907$64,329$63,765$63,214$62,677$61,038
2 years$32,132$31,534$30,954$30,392$29,846$28,206
3 years$21,209$20,608$20,029$19,472$18,936$17,346
4 years$15,748$15,149$14,576$14,029$13,505$11,978
5 years$12,472$11,877$11,312$10,775$10,266$8,806
6 years$10,289$9,698$9,142$8,617$8,123$6,731
7 years$8,731$8,145$7,597$7,085$6,606$5,282
8 years$7,562$6,981$6,443$5,943$5,481$4,224
9 years$6,654$6,079$5,549$5,062$4,616$3,425
10 years$5,928$5,358$4,838$4,364$3,933$2,807
11 years$5,334$4,770$4,259$3,798$3,382$2,320
12 years$4,839$4,281$3,780$3,331$2,931$1,930
13 years$4,421$3,869$3,377$2,941$2,556$1,614
14 years$4,063$3,517$3,034$2,611$2,240$1,356
15 years$3,753$3,213$2,740$2,328$1,973$1,143
16 years$3,482$2,948$2,484$2,085$1,743$967
17 years$3,243$2,715$2,260$1,873$1,546$819
18 years$3,031$2,508$2,063$1,688$1,375$696
19 years$2,842$2,325$1,889$1,525$1,225$592
20 years$2,671$2,160$1,733$1,381$1,094$504
21 years$2,517$2,012$1,594$1,254$979$430
22 years$2,378$1,878$1,469$1,140$878$367
23 years$2,250$1,757$1,357$1,038$788$314
24 years$2,134$1,646$1,255$947$708$269
25 years$2,026$1,545$1,162$865$637$230
26 years$1,928$1,452$1,078$791$574$197
27 years$1,836$1,366$1,001$724$518$169
28 years$1,752$1,287$930$663$467$145
29 years$1,673$1,215$866$608$422$124
30 years$1,600$1,147$807$558$381$106
31 years$1,532$1,084$752$512$344$91
32 years$1,468$1,026$702$471$312$78
33 years$1,408$972$655$433$282$67
34 years$1,351$921$612$399$255$58
35 years$1,298$873$572$367$231$49
36 years$1,248$829$535$338$210$42
37 years$1,201$787$501$311$190$36
38 years$1,157$748$469$287$172$31
39 years$1,115$712$440$265$156$27
40 years$1,075$677$412$244$142$23
41 years$1,037$644$386$225$128$20
42 years$1,001$614$362$208$117$17
43 years$966$585$340$192$106$15
44 years$934$557$319$177$96$13
45 years$903$532$300$164$87$11
46 years$873$507$282$151$79$9
47 years$845$484$264$140$72$8
48 years$818$462$249$129$65$7
49 years$792$441$234$119$59$6
50 years$767$421$220$110$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $786,000, adding $3,879 every year, while hoping to spend $52,773 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: 29/47/24 Blend
51$786,000$786,000$786,000$786,000
52$870,173$828,515$816,332$888,813
53$902,781$812,962$787,529$888,070
54$936,946$794,879$755,993$882,357
55$972,771$774,085$721,575$875,128
56$1,010,368$750,390$684,123$866,285
57$1,049,860$723,592$643,475$855,730
58$1,091,377$693,480$599,462$843,356
59$1,135,063$659,826$551,910$829,055
60$1,181,075$622,393$500,635$812,715
61$1,229,582$580,928$445,444$794,217
62$1,280,771$535,165$386,137$773,440
63$1,334,842$484,821$322,506$750,258
64$1,392,017$429,598$254,331$724,540
65$1,452,536$369,181$181,384$696,150
66$1,516,661$303,238$103,427$664,951
67$1,584,681$231,416$20,212$630,798
68$1,656,908$153,345$0$593,545
69$1,733,685$68,632$0$570,606
70$1,815,389$0$0$550,928
71$1,902,430$0$0$541,210
72$1,995,258$0$0$568,773
73$2,094,366$0$0$598,276
74$2,200,294$0$0$629,891
75$2,313,635$0$0$663,804
76$2,435,036$0$0$700,220
77$2,565,212$0$0$739,366
78$2,704,942$0$0$781,487
79$2,855,083$0$0$826,856
80$3,016,578$0$0$875,771
81$3,190,459$0$0$928,560
82$3,377,861$0$0$985,582
83$3,580,030$0$0$1,047,233
84$3,798,335$0$0$1,113,947
85$4,034,282$0$0$1,186,203
86$4,289,523$0$0$1,264,527
87$4,565,877$0$0$1,349,495
88$4,865,342$0$0$1,441,743
89$5,190,115$0$0$1,541,971
90$5,542,614$0$0$1,650,947
91$5,925,495$0$0$1,769,516
92$6,341,682$0$0$1,898,611
93$6,794,391$0$0$2,039,253
94$7,287,162$0$0$2,192,572
95$7,823,887$0$0$2,359,806
96$8,408,851$0$0$2,542,322
97$9,046,769$0$0$2,741,621
98$9,742,832$0$0$2,959,358
99$10,502,753$0$0$3,197,354
100$11,332,818$0$0$3,457,615