Can I retire at age 52 with 786,000?

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 $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%19.2%
1 years$64,907$64,329$63,765$63,214$62,677$60,357
2 years$32,132$31,534$30,954$30,392$29,846$27,535
3 years$21,209$20,608$20,029$19,472$18,936$16,706
4 years$15,748$15,149$14,576$14,029$13,505$11,374
5 years$12,472$11,877$11,312$10,775$10,266$8,239
6 years$10,289$9,698$9,142$8,617$8,123$6,202
7 years$8,731$8,145$7,597$7,085$6,606$4,790
8 years$7,562$6,981$6,443$5,943$5,481$3,768
9 years$6,654$6,079$5,549$5,062$4,616$3,004
10 years$5,928$5,358$4,838$4,364$3,933$2,419
11 years$5,334$4,770$4,259$3,798$3,382$1,963
12 years$4,839$4,281$3,780$3,331$2,931$1,603
13 years$4,421$3,869$3,377$2,941$2,556$1,316
14 years$4,063$3,517$3,034$2,611$2,240$1,084
15 years$3,753$3,213$2,740$2,328$1,973$896
16 years$3,482$2,948$2,484$2,085$1,743$742
17 years$3,243$2,715$2,260$1,873$1,546$616
18 years$3,031$2,508$2,063$1,688$1,375$513
19 years$2,842$2,325$1,889$1,525$1,225$427
20 years$2,671$2,160$1,733$1,381$1,094$356
21 years$2,517$2,012$1,594$1,254$979$297
22 years$2,378$1,878$1,469$1,140$878$248
23 years$2,250$1,757$1,357$1,038$788$208
24 years$2,134$1,646$1,255$947$708$174
25 years$2,026$1,545$1,162$865$637$145
26 years$1,928$1,452$1,078$791$574$122
27 years$1,836$1,366$1,001$724$518$102
28 years$1,752$1,287$930$663$467$85
29 years$1,673$1,215$866$608$422$72
30 years$1,600$1,147$807$558$381$60
31 years$1,532$1,084$752$512$344$50
32 years$1,468$1,026$702$471$312$42
33 years$1,408$972$655$433$282$35
34 years$1,351$921$612$399$255$30
35 years$1,298$873$572$367$231$25
36 years$1,248$829$535$338$210$21
37 years$1,201$787$501$311$190$17
38 years$1,157$748$469$287$172$15
39 years$1,115$712$440$265$156$12
40 years$1,075$677$412$244$142$10
41 years$1,037$644$386$225$128$9
42 years$1,001$614$362$208$117$7
43 years$966$585$340$192$106$6
44 years$934$557$319$177$96$5
45 years$903$532$300$164$87$4
46 years$873$507$282$151$79$4
47 years$845$484$264$140$72$3
48 years$818$462$249$129$65$3
49 years$792$441$234$119$59$2
50 years$767$421$220$110$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $786,000, adding $4,678 every year, while hoping to spend $30,738 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: 61/12/27 Blend
51$786,000$786,000$786,000$786,000
52$870,997$829,339$817,156$917,550
53$927,134$837,272$811,826$957,693
54$987,967$844,563$805,287$997,758
55$1,053,941$851,149$797,466$1,040,837
56$1,125,549$856,961$788,287$1,087,228
57$1,203,331$861,928$777,670$1,137,264
58$1,287,879$865,971$765,531$1,191,311
59$1,379,849$869,010$751,783$1,249,774
60$1,479,959$870,956$736,333$1,313,099
61$1,589,000$871,718$719,085$1,381,780
62$1,707,843$871,197$699,939$1,456,362
63$1,837,446$869,289$678,790$1,537,447
64$1,978,863$865,882$655,528$1,625,699
65$2,133,256$860,860$630,037$1,721,852
66$2,301,903$854,096$602,197$1,826,715
67$2,486,210$845,459$571,884$1,941,182
68$2,687,725$834,809$538,964$2,066,241
69$2,908,155$821,996$503,301$2,202,981
70$3,149,376$806,864$464,751$2,352,603
71$3,413,457$789,244$423,165$2,516,435
72$3,702,673$768,961$378,384$2,695,942
73$4,019,533$745,827$330,247$2,892,740
74$4,366,796$719,644$278,581$3,108,612
75$4,747,504$690,201$223,209$3,345,527
76$5,165,007$657,278$163,943$3,605,655
77$5,622,992$620,639$100,590$3,891,394
78$6,125,523$580,036$32,945$4,205,386
79$6,677,075$535,207$0$4,550,547
80$7,282,578$485,874$0$4,941,401
81$7,947,463$431,743$0$5,381,055
82$8,677,710$372,505$0$5,863,990
83$9,479,911$307,831$0$6,394,593
84$10,361,323$237,377$0$6,977,700
85$11,329,946$160,775$0$7,618,640
86$12,394,588$77,641$0$8,323,288
87$13,564,957$0$0$9,098,116
88$14,851,747$0$0$9,951,900
89$16,266,738$0$0$10,902,086
90$17,822,913$0$0$11,947,146
91$19,534,572$0$0$13,096,694
92$21,417,472$0$0$14,361,320
93$23,488,975$0$0$15,752,693
94$25,768,209$0$0$17,283,673
95$28,276,250$0$0$18,968,424
96$31,036,322$0$0$20,822,557
97$34,074,012$0$0$22,863,272
98$37,417,514$0$0$25,109,519
99$41,097,894$0$0$27,582,180
100$45,149,382$0$0$30,304,265