Can I retire at age 52 with 787,000?

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 $787,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$64,990$64,411$63,846$63,295$62,756$62,075
2 years$32,173$31,574$30,993$30,430$29,884$29,198
3 years$21,236$20,634$20,055$19,497$18,960$18,290
4 years$15,768$15,168$14,595$14,046$13,522$12,875
5 years$12,488$11,892$11,326$10,789$10,279$9,655
6 years$10,303$9,711$9,153$8,628$8,134$7,534
7 years$8,742$8,155$7,606$7,094$6,615$6,040
8 years$7,572$6,990$6,451$5,951$5,488$4,938
9 years$6,662$6,086$5,556$5,069$4,621$4,096
10 years$5,935$5,365$4,844$4,369$3,938$3,436
11 years$5,341$4,776$4,264$3,803$3,387$2,909
12 years$4,846$4,287$3,785$3,335$2,935$2,480
13 years$4,427$3,874$3,381$2,945$2,559$2,127
14 years$4,068$3,521$3,038$2,614$2,243$1,833
15 years$3,758$3,217$2,743$2,331$1,975$1,586
16 years$3,487$2,951$2,487$2,087$1,746$1,378
17 years$3,248$2,718$2,263$1,875$1,548$1,200
18 years$3,035$2,512$2,066$1,690$1,376$1,048
19 years$2,845$2,328$1,891$1,527$1,227$917
20 years$2,675$2,163$1,736$1,383$1,096$804
21 years$2,521$2,015$1,596$1,255$981$705
22 years$2,381$1,881$1,471$1,141$879$620
23 years$2,253$1,759$1,359$1,039$789$546
24 years$2,136$1,648$1,256$948$709$481
25 years$2,029$1,547$1,164$866$638$424
26 years$1,930$1,454$1,079$792$575$375
27 years$1,839$1,368$1,002$725$518$331
28 years$1,754$1,289$932$664$468$293
29 years$1,675$1,216$867$609$422$259
30 years$1,602$1,148$808$559$382$229
31 years$1,534$1,086$753$513$345$203
32 years$1,469$1,027$702$472$312$179
33 years$1,409$973$656$434$282$159
34 years$1,353$922$613$399$256$141
35 years$1,300$875$573$367$232$125
36 years$1,250$830$536$338$210$111
37 years$1,203$788$502$312$190$98
38 years$1,158$749$470$287$172$87
39 years$1,116$712$440$265$156$77
40 years$1,076$678$413$244$142$68
41 years$1,038$645$387$225$129$61
42 years$1,002$614$363$208$117$54
43 years$968$585$340$192$106$48
44 years$935$558$320$177$96$42
45 years$904$532$300$164$87$38
46 years$874$508$282$151$79$33
47 years$846$484$265$140$72$30
48 years$819$463$249$129$65$26
49 years$793$442$234$119$59$23
50 years$768$422$220$110$54$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $787,000, adding $3,068 every year, while hoping to spend $52,527 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: 40/34/26 Blend
51$787,000$787,000$787,000$787,000
52$870,439$828,728$816,529$898,463
53$903,335$813,447$787,995$903,754
54$937,826$795,657$756,744$904,332
55$974,020$775,180$722,630$903,936
56$1,012,032$751,825$685,500$902,509
57$1,051,989$725,395$645,194$899,993
58$1,094,029$695,676$601,545$896,328
59$1,138,301$662,446$554,378$891,453
60$1,184,969$625,466$503,510$885,306
61$1,234,209$584,487$448,751$877,826
62$1,286,215$539,244$389,902$868,950
63$1,341,199$489,457$326,753$858,615
64$1,399,391$434,829$259,088$846,759
65$1,461,041$375,049$186,681$833,320
66$1,526,426$309,785$109,293$818,239
67$1,595,845$238,688$26,678$801,457
68$1,669,628$161,390$0$782,918
69$1,748,133$77,501$0$779,626
70$1,831,754$0$0$783,483
71$1,920,921$0$0$792,124
72$2,016,107$0$0$832,362
73$2,117,829$0$0$875,426
74$2,226,652$0$0$921,565
75$2,343,199$0$0$971,050
76$2,468,150$0$0$1,024,181
77$2,602,254$0$0$1,081,285
78$2,746,331$0$0$1,142,722
79$2,901,281$0$0$1,208,886
80$3,068,092$0$0$1,280,212
81$3,247,851$0$0$1,357,175
82$3,441,751$0$0$1,440,300
83$3,651,100$0$0$1,530,161
84$3,877,339$0$0$1,627,391
85$4,122,050$0$0$1,732,685
86$4,386,972$0$0$1,846,807
87$4,674,017$0$0$1,970,597
88$4,985,288$0$0$2,104,979
89$5,323,095$0$0$2,250,969
90$5,689,982$0$0$2,409,686
91$6,088,745$0$0$2,582,360
92$6,522,461$0$0$2,770,342
93$6,994,515$0$0$2,975,124
94$7,508,631$0$0$3,198,343
95$8,068,909$0$0$3,441,802
96$8,679,858$0$0$3,707,487
97$9,346,444$0$0$3,997,582
98$10,074,131$0$0$4,314,493
99$10,868,934$0$0$4,660,867
100$11,737,474$0$0$5,039,620