Can I retire at age 52 with 788,000?

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 $788,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$65,072$64,493$63,927$63,375$62,836$61,168
2 years$32,214$31,614$31,033$30,469$29,922$28,253
3 years$21,263$20,660$20,080$19,522$18,984$17,366
4 years$15,788$15,187$14,613$14,064$13,539$11,986
5 years$12,504$11,907$11,340$10,803$10,292$8,807
6 years$10,316$9,723$9,165$8,639$8,144$6,728
7 years$8,753$8,165$7,616$7,103$6,623$5,277
8 years$7,582$6,999$6,459$5,958$5,495$4,217
9 years$6,671$6,094$5,563$5,075$4,627$3,418
10 years$5,943$5,372$4,850$4,375$3,943$2,799
11 years$5,348$4,782$4,270$3,807$3,391$2,312
12 years$4,852$4,292$3,789$3,340$2,938$1,922
13 years$4,433$3,879$3,386$2,948$2,562$1,607
14 years$4,074$3,526$3,042$2,617$2,246$1,349
15 years$3,763$3,221$2,746$2,334$1,978$1,136
16 years$3,491$2,955$2,490$2,090$1,748$960
17 years$3,252$2,721$2,266$1,878$1,550$813
18 years$3,039$2,515$2,068$1,692$1,378$690
19 years$2,849$2,331$1,894$1,529$1,228$587
20 years$2,678$2,166$1,738$1,385$1,097$499
21 years$2,524$2,017$1,598$1,257$982$426
22 years$2,384$1,883$1,473$1,143$880$363
23 years$2,256$1,761$1,360$1,041$790$310
24 years$2,139$1,650$1,258$949$710$265
25 years$2,032$1,549$1,165$867$639$227
26 years$1,933$1,455$1,081$793$576$194
27 years$1,841$1,370$1,003$726$519$166
28 years$1,756$1,291$933$665$468$142
29 years$1,677$1,218$868$610$423$122
30 years$1,604$1,150$809$559$382$104
31 years$1,535$1,087$754$514$345$89
32 years$1,471$1,029$703$472$312$77
33 years$1,411$974$657$434$283$66
34 years$1,355$923$614$400$256$56
35 years$1,302$876$574$368$232$48
36 years$1,252$831$537$339$210$42
37 years$1,204$789$502$312$190$36
38 years$1,160$750$470$288$173$31
39 years$1,117$713$441$265$157$26
40 years$1,077$679$413$245$142$22
41 years$1,039$646$387$226$129$19
42 years$1,003$615$363$208$117$17
43 years$969$586$341$192$106$14
44 years$936$559$320$178$96$12
45 years$905$533$300$164$87$10
46 years$875$508$282$151$79$9
47 years$847$485$265$140$72$8
48 years$820$463$249$129$65$7
49 years$794$442$234$119$59$6
50 years$769$422$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 $788,000, adding $5,202 every year, while hoping to spend $28,010 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: 76/12/12 Blend
51$788,000$788,000$788,000$788,000
52$873,742$831,978$819,764$937,704
53$933,061$842,942$817,424$991,549
54$997,492$853,505$814,066$1,046,507
55$1,067,527$863,618$809,628$1,105,969
56$1,143,706$873,226$804,042$1,170,375
57$1,226,625$882,276$797,239$1,240,207
58$1,316,940$890,706$789,145$1,315,997
59$1,415,370$898,453$779,683$1,398,332
60$1,522,709$905,448$768,774$1,487,858
61$1,639,831$911,620$756,333$1,585,285
62$1,767,695$916,892$742,272$1,691,399
63$1,907,361$921,180$726,499$1,807,064
64$2,059,993$924,399$708,918$1,933,233
65$2,226,872$926,455$689,427$2,070,955
66$2,409,411$927,249$667,921$2,221,387
67$2,609,165$926,678$644,290$2,385,805
68$2,827,844$924,629$618,417$2,565,613
69$3,067,333$920,985$590,184$2,762,360
70$3,329,708$915,621$559,462$2,977,754
71$3,617,255$908,403$526,121$3,213,676
72$3,932,492$899,191$490,022$3,472,200
73$4,278,190$887,835$451,022$3,755,610
74$4,657,403$874,178$408,969$4,066,427
75$5,073,496$858,050$363,707$4,407,427
76$5,530,173$839,275$315,072$4,781,670
77$6,031,515$817,664$262,891$5,192,530
78$6,582,018$793,018$206,986$5,643,724
79$7,186,634$765,125$147,170$6,139,351
80$7,850,818$733,764$83,248$6,683,926
81$8,580,579$698,697$15,015$7,282,430
82$9,382,540$659,674$0$7,940,348
83$10,263,993$616,432$0$8,671,130
84$11,232,973$568,690$0$9,476,573
85$12,298,334$516,154$0$10,362,132
86$13,469,830$458,511$0$11,335,934
87$14,758,205$395,431$0$12,406,938
88$16,175,300$326,565$0$13,585,016
89$17,734,159$251,545$0$14,881,046
90$19,449,155$169,983$0$16,307,017
91$21,336,123$81,465$0$17,876,140
92$23,412,510$0$0$19,602,972
93$25,697,543$0$0$21,505,464
94$28,212,403$0$0$23,611,182
95$30,980,430$0$0$25,928,916
96$34,027,343$0$0$28,480,205
97$37,381,478$0$0$31,288,782
98$41,074,061$0$0$34,380,797
99$45,139,497$0$0$37,785,065
100$49,615,697$0$0$41,533,337