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%13.1%
1 years$64,990$64,411$63,846$63,295$62,756$61,947
2 years$32,173$31,574$30,993$30,430$29,884$29,069
3 years$21,236$20,634$20,055$19,497$18,960$18,165
4 years$15,768$15,168$14,595$14,046$13,522$12,754
5 years$12,488$11,892$11,326$10,789$10,279$9,540
6 years$10,303$9,711$9,153$8,628$8,134$7,424
7 years$8,742$8,155$7,606$7,094$6,615$5,935
8 years$7,572$6,990$6,451$5,951$5,488$4,838
9 years$6,662$6,086$5,556$5,069$4,621$4,001
10 years$5,935$5,365$4,844$4,369$3,938$3,347
11 years$5,341$4,776$4,264$3,803$3,387$2,824
12 years$4,846$4,287$3,785$3,335$2,935$2,400
13 years$4,427$3,874$3,381$2,945$2,559$2,052
14 years$4,068$3,521$3,038$2,614$2,243$1,763
15 years$3,758$3,217$2,743$2,331$1,975$1,520
16 years$3,487$2,951$2,487$2,087$1,746$1,316
17 years$3,248$2,718$2,263$1,875$1,548$1,142
18 years$3,035$2,512$2,066$1,690$1,376$993
19 years$2,845$2,328$1,891$1,527$1,227$866
20 years$2,675$2,163$1,736$1,383$1,096$756
21 years$2,521$2,015$1,596$1,255$981$662
22 years$2,381$1,881$1,471$1,141$879$580
23 years$2,253$1,759$1,359$1,039$789$508
24 years$2,136$1,648$1,256$948$709$446
25 years$2,029$1,547$1,164$866$638$392
26 years$1,930$1,454$1,079$792$575$345
27 years$1,839$1,368$1,002$725$518$303
28 years$1,754$1,289$932$664$468$267
29 years$1,675$1,216$867$609$422$235
30 years$1,602$1,148$808$559$382$207
31 years$1,534$1,086$753$513$345$183
32 years$1,469$1,027$702$472$312$161
33 years$1,409$973$656$434$282$142
34 years$1,353$922$613$399$256$125
35 years$1,300$875$573$367$232$111
36 years$1,250$830$536$338$210$98
37 years$1,203$788$502$312$190$86
38 years$1,158$749$470$287$172$76
39 years$1,116$712$440$265$156$67
40 years$1,076$678$413$244$142$59
41 years$1,038$645$387$225$129$52
42 years$1,002$614$363$208$117$46
43 years$968$585$340$192$106$41
44 years$935$558$320$177$96$36
45 years$904$532$300$164$87$32
46 years$874$508$282$151$79$28
47 years$846$484$265$140$72$25
48 years$819$463$249$129$65$22
49 years$793$442$234$119$59$20
50 years$768$422$220$110$54$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $787,000, adding $2,097 every year, while hoping to spend $37,696 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: 80/12/8 Blend
51$787,000$787,000$787,000$787,000
52$869,437$827,726$815,528$937,923
53$918,011$828,176$802,739$983,556
54$970,277$827,385$788,260$1,028,451
55$1,026,570$825,252$771,991$1,076,583
56$1,087,261$821,671$753,834$1,128,257
57$1,152,756$816,527$733,682$1,183,809
58$1,223,501$809,701$711,424$1,243,607
59$1,299,987$801,065$686,945$1,308,059
60$1,382,753$790,484$660,125$1,377,613
61$1,472,391$777,814$630,836$1,452,763
62$1,569,552$762,905$598,947$1,534,053
63$1,674,954$745,595$564,320$1,622,084
64$1,789,385$725,714$526,809$1,717,517
65$1,913,710$703,082$486,265$1,821,081
66$2,048,883$677,508$442,530$1,933,580
67$2,195,953$648,790$395,439$2,055,899
68$2,356,074$616,714$344,819$2,189,014
69$2,530,515$581,055$290,493$2,334,003
70$2,720,674$541,573$232,271$2,492,050
71$2,928,089$498,017$169,958$2,664,466
72$3,154,452$450,118$103,350$2,852,690
73$3,401,627$397,594$32,233$3,058,313
74$3,671,665$340,148$0$3,283,087
75$3,966,823$277,463$0$3,532,671
76$4,289,587$209,207$0$3,808,647
77$4,642,695$135,029$0$4,110,629
78$5,029,161$54,556$0$4,441,227
79$5,452,303$0$0$4,803,318
80$5,915,776$0$0$5,204,377
81$6,423,604$0$0$5,651,732
82$6,980,219$0$0$6,142,088
83$7,590,504$0$0$6,679,747
84$8,259,834$0$0$7,269,450
85$8,994,132$0$0$7,916,415
86$9,799,919$0$0$8,626,394
87$10,684,381$0$0$9,405,719
88$11,655,432$0$0$10,261,368
89$12,721,789$0$0$11,201,025
90$13,893,055$0$0$12,233,157
91$15,179,811$0$0$13,367,090
92$16,593,710$0$0$14,613,097
93$18,147,592$0$0$15,982,498
94$19,855,602$0$0$17,487,762
95$21,733,322$0$0$19,142,627
96$23,797,922$0$0$20,962,228
97$26,068,318$0$0$22,963,241
98$28,565,348$0$0$25,164,037
99$31,311,974$0$0$27,584,859
100$34,333,495$0$0$30,248,008