Can I retire at age 52 with 789,000?

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 $789,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$65,155$64,575$64,008$63,456$62,916$61,172
2 years$32,255$31,654$31,072$30,508$29,960$28,216
3 years$21,290$20,686$20,106$19,546$19,008$17,318
4 years$15,808$15,207$14,632$14,082$13,557$11,934
5 years$12,520$11,922$11,355$10,816$10,305$8,755
6 years$10,329$9,735$9,176$8,650$8,154$6,678
7 years$8,764$8,176$7,626$7,112$6,632$5,229
8 years$7,591$7,008$6,467$5,966$5,502$4,171
9 years$6,679$6,102$5,570$5,082$4,633$3,374
10 years$5,950$5,378$4,856$4,380$3,948$2,759
11 years$5,354$4,788$4,275$3,812$3,395$2,274
12 years$4,858$4,298$3,794$3,344$2,942$1,887
13 years$4,438$3,884$3,390$2,952$2,566$1,574
14 years$4,079$3,530$3,046$2,621$2,249$1,319
15 years$3,768$3,225$2,750$2,337$1,980$1,108
16 years$3,496$2,959$2,493$2,093$1,750$934
17 years$3,256$2,725$2,269$1,880$1,552$790
18 years$3,043$2,518$2,071$1,694$1,380$669
19 years$2,853$2,334$1,896$1,531$1,230$567
20 years$2,682$2,169$1,740$1,387$1,098$482
21 years$2,527$2,020$1,600$1,258$983$410
22 years$2,387$1,885$1,475$1,144$881$349
23 years$2,259$1,763$1,362$1,042$791$297
24 years$2,142$1,652$1,260$950$711$253
25 years$2,034$1,551$1,167$868$640$216
26 years$1,935$1,457$1,082$794$576$185
27 years$1,843$1,371$1,005$726$520$158
28 years$1,759$1,292$934$666$469$135
29 years$1,680$1,219$869$610$423$115
30 years$1,606$1,151$810$560$382$98
31 years$1,537$1,088$755$514$346$84
32 years$1,473$1,030$704$473$313$72
33 years$1,413$975$658$435$283$61
34 years$1,356$924$614$400$256$53
35 years$1,303$877$574$368$232$45
36 years$1,253$832$537$339$210$39
37 years$1,206$790$503$312$191$33
38 years$1,161$751$471$288$173$28
39 years$1,119$714$441$266$157$24
40 years$1,079$680$414$245$142$21
41 years$1,041$647$388$226$129$18
42 years$1,005$616$364$209$117$15
43 years$970$587$341$193$106$13
44 years$937$560$320$178$96$11
45 years$906$534$301$164$88$9
46 years$877$509$283$152$79$8
47 years$848$486$265$140$72$7
48 years$821$464$249$129$66$6
49 years$795$443$234$120$60$5
50 years$770$423$220$111$54$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $789,000, adding $6,975 every year, while hoping to spend $26,488 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: 44/33/23 Blend
51$789,000$789,000$789,000$789,000
52$876,673$834,856$822,626$909,131
53$937,910$847,581$822,001$945,512
54$1,004,506$860,041$820,467$981,814
55$1,076,979$872,197$817,967$1,020,631
56$1,155,900$884,003$814,437$1,062,211
57$1,241,897$895,414$809,816$1,106,827
58$1,335,660$906,379$804,034$1,154,782
59$1,437,950$916,844$797,022$1,206,407
60$1,549,604$926,753$788,706$1,262,073
61$1,671,544$936,045$779,008$1,322,187
62$1,804,785$944,654$767,847$1,387,198
63$1,950,442$952,511$755,139$1,457,604
64$2,109,746$959,542$740,795$1,533,955
65$2,284,050$965,670$724,722$1,616,857
66$2,474,844$970,810$706,822$1,706,983
67$2,683,772$974,872$686,993$1,805,072
68$2,912,639$977,764$665,131$1,911,943
69$3,163,438$979,383$641,122$2,028,501
70$3,438,359$979,624$614,850$2,155,744
71$3,739,819$978,373$586,194$2,294,774
72$4,070,476$975,508$555,027$2,446,810
73$4,433,259$970,903$521,216$2,613,195
74$4,831,396$964,422$484,621$2,795,415
75$5,268,440$955,920$445,097$2,995,107
76$5,748,306$945,245$402,493$3,214,083
77$6,275,307$932,236$356,650$3,454,339
78$6,854,192$916,720$307,402$3,718,080
79$7,490,197$898,516$254,577$4,007,740
80$8,189,086$877,432$197,994$4,326,006
81$8,957,210$853,264$137,465$4,675,840
82$9,801,568$825,796$72,792$5,060,516
83$10,729,867$794,800$3,770$5,483,643
84$11,750,602$760,034$0$5,949,206
85$12,873,131$721,242$0$6,478,750
86$14,107,762$678,155$0$7,062,078
87$15,465,855$630,486$0$7,703,671
88$16,959,925$577,932$0$8,409,493
89$18,603,762$520,175$0$9,186,119
90$20,412,559$456,877$0$10,040,798
91$22,403,056$387,680$0$10,981,524
92$24,593,699$312,208$0$12,017,109
93$27,004,812$230,062$0$13,157,270
94$29,658,789$140,821$0$14,412,720
95$32,580,305$44,041$0$15,795,267
96$35,796,550$0$0$17,317,934
97$39,337,483$0$0$19,017,134
98$43,236,117$0$0$20,905,713
99$47,528,827$0$0$22,985,316
100$52,255,696$0$0$25,275,375