Can I retire at age 52 with 788,000?

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 $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%19.4%
1 years$65,072$64,493$63,927$63,375$62,836$60,463
2 years$32,214$31,614$31,033$30,469$29,922$27,558
3 years$21,263$20,660$20,080$19,522$18,984$16,704
4 years$15,788$15,187$14,613$14,064$13,539$11,361
5 years$12,504$11,907$11,340$10,803$10,292$8,221
6 years$10,316$9,723$9,165$8,639$8,144$6,182
7 years$8,753$8,165$7,616$7,103$6,623$4,769
8 years$7,582$6,999$6,459$5,958$5,495$3,747
9 years$6,671$6,094$5,563$5,075$4,627$2,983
10 years$5,943$5,372$4,850$4,375$3,943$2,399
11 years$5,348$4,782$4,270$3,807$3,391$1,945
12 years$4,852$4,292$3,789$3,340$2,938$1,586
13 years$4,433$3,879$3,386$2,948$2,562$1,300
14 years$4,074$3,526$3,042$2,617$2,246$1,069
15 years$3,763$3,221$2,746$2,334$1,978$883
16 years$3,491$2,955$2,490$2,090$1,748$730
17 years$3,252$2,721$2,266$1,878$1,550$605
18 years$3,039$2,515$2,068$1,692$1,378$503
19 years$2,849$2,331$1,894$1,529$1,228$418
20 years$2,678$2,166$1,738$1,385$1,097$348
21 years$2,524$2,017$1,598$1,257$982$290
22 years$2,384$1,883$1,473$1,143$880$242
23 years$2,256$1,761$1,360$1,041$790$202
24 years$2,139$1,650$1,258$949$710$169
25 years$2,032$1,549$1,165$867$639$141
26 years$1,933$1,455$1,081$793$576$118
27 years$1,841$1,370$1,003$726$519$99
28 years$1,756$1,291$933$665$468$82
29 years$1,677$1,218$868$610$423$69
30 years$1,604$1,150$809$559$382$58
31 years$1,535$1,087$754$514$345$48
32 years$1,471$1,029$703$472$312$40
33 years$1,411$974$657$434$283$34
34 years$1,355$923$614$400$256$28
35 years$1,302$876$574$368$232$24
36 years$1,252$831$537$339$210$20
37 years$1,204$789$502$312$190$17
38 years$1,160$750$470$288$173$14
39 years$1,117$713$441$265$157$12
40 years$1,077$679$413$245$142$10
41 years$1,039$646$387$226$129$8
42 years$1,003$615$363$208$117$7
43 years$969$586$341$192$106$6
44 years$936$559$320$178$96$5
45 years$905$533$300$164$87$4
46 years$875$508$282$151$79$3
47 years$847$485$265$140$72$3
48 years$820$463$249$129$65$2
49 years$794$442$234$119$59$2
50 years$769$422$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 $788,000, adding $3,733 every year, while hoping to spend $20,467 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: 67/8/25 Blend
51$788,000$788,000$788,000$788,000
52$872,227$830,463$818,249$924,797
53$939,417$849,379$823,883$979,516
54$1,012,775$868,535$829,021$1,036,669
55$1,092,908$887,923$833,622$1,098,707
56$1,180,484$907,531$837,649$1,166,113
57$1,276,240$927,348$841,057$1,239,418
58$1,380,987$947,358$843,803$1,319,209
59$1,495,617$967,548$845,840$1,406,130
60$1,621,114$987,901$847,118$1,500,894
61$1,758,558$1,008,399$847,588$1,604,285
62$1,909,143$1,029,022$847,194$1,717,167
63$2,074,180$1,049,749$845,879$1,840,494
64$2,255,116$1,070,556$843,586$1,975,315
65$2,453,542$1,091,418$840,251$2,122,788
66$2,671,213$1,112,307$835,808$2,284,188
67$2,910,060$1,133,193$830,191$2,460,922
68$3,172,210$1,154,043$823,326$2,654,539
69$3,460,006$1,174,823$815,139$2,866,748
70$3,776,032$1,195,494$805,551$3,099,431
71$4,123,130$1,216,016$794,480$3,354,662
72$4,504,433$1,236,344$781,838$3,634,730
73$4,923,392$1,256,433$767,537$3,942,155
74$5,383,810$1,276,229$751,482$4,279,715
75$5,889,875$1,295,681$733,572$4,650,474
76$6,446,201$1,314,728$713,706$5,057,807
77$7,057,872$1,333,309$691,774$5,505,434
78$7,730,490$1,351,356$667,663$5,997,456
79$8,470,226$1,368,798$641,255$6,538,393
80$9,283,878$1,385,558$612,427$7,133,227
81$10,178,938$1,401,555$581,047$7,787,448
82$11,163,659$1,416,700$546,982$8,507,108
83$12,247,136$1,430,902$510,089$9,298,878
84$13,439,388$1,444,060$470,221$10,170,109
85$14,751,455$1,456,069$427,224$11,128,904
86$16,195,503$1,466,816$380,935$12,184,193
87$17,784,934$1,476,180$331,187$13,345,820
88$19,534,519$1,484,035$277,803$14,624,634
89$21,460,530$1,490,243$220,600$16,032,590
90$23,580,900$1,494,660$159,385$17,582,866
91$25,915,386$1,497,132$93,959$19,289,988
92$28,485,760$1,497,497$24,111$21,169,962
93$31,316,013$1,495,580$0$23,240,430
94$34,432,581$1,491,197$0$25,534,289
95$37,864,591$1,484,153$0$28,067,253
96$41,644,144$1,474,241$0$30,856,568
97$45,806,607$1,461,240$0$33,928,327
98$50,390,957$1,444,916$0$37,311,289
99$55,440,141$1,425,023$0$41,037,142
100$61,001,485$1,401,299$0$45,140,806