Can I retire at age 52 with 791,000?

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 $791,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$65,320$64,738$64,171$63,616$63,075$62,082
2 years$32,337$31,734$31,151$30,585$30,036$29,037
3 years$21,344$20,739$20,157$19,596$19,056$18,084
4 years$15,848$15,245$14,669$14,118$13,591$12,652
5 years$12,552$11,952$11,384$10,844$10,332$9,429
6 years$10,355$9,760$9,200$8,672$8,175$7,310
7 years$8,786$8,196$7,645$7,130$6,648$5,821
8 years$7,610$7,026$6,484$5,981$5,516$4,726
9 years$6,696$6,117$5,584$5,094$4,645$3,893
10 years$5,965$5,392$4,868$4,391$3,958$3,242
11 years$5,368$4,800$4,286$3,822$3,404$2,724
12 years$4,870$4,308$3,804$3,352$2,950$2,305
13 years$4,449$3,894$3,398$2,960$2,572$1,961
14 years$4,089$3,539$3,054$2,627$2,255$1,677
15 years$3,777$3,233$2,757$2,343$1,985$1,439
16 years$3,504$2,966$2,500$2,098$1,755$1,240
17 years$3,264$2,732$2,275$1,885$1,556$1,070
18 years$3,051$2,524$2,076$1,699$1,383$927
19 years$2,860$2,340$1,901$1,535$1,233$804
20 years$2,688$2,174$1,744$1,390$1,101$698
21 years$2,533$2,025$1,605$1,262$986$608
22 years$2,393$1,890$1,479$1,147$883$529
23 years$2,265$1,768$1,365$1,045$793$462
24 years$2,147$1,656$1,263$953$713$403
25 years$2,039$1,554$1,170$870$641$352
26 years$1,940$1,461$1,085$796$578$308
27 years$1,848$1,375$1,007$728$521$269
28 years$1,763$1,296$936$667$470$236
29 years$1,684$1,222$871$612$424$207
30 years$1,610$1,154$812$562$383$181
31 years$1,541$1,091$757$516$347$159
32 years$1,477$1,032$706$474$314$139
33 years$1,417$978$659$436$284$122
34 years$1,360$927$616$401$257$107
35 years$1,307$879$576$369$233$94
36 years$1,256$834$539$340$211$82
37 years$1,209$792$504$313$191$72
38 years$1,164$753$472$289$173$63
39 years$1,122$716$442$266$157$56
40 years$1,081$681$415$246$143$49
41 years$1,043$649$389$227$129$43
42 years$1,007$618$365$209$117$38
43 years$973$588$342$193$106$33
44 years$940$561$321$178$97$29
45 years$909$535$302$165$88$26
46 years$879$510$283$152$80$22
47 years$850$487$266$140$72$20
48 years$823$465$250$130$66$17
49 years$797$444$235$120$60$15
50 years$772$424$221$111$54$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $791,000, adding $5,230 every year, while hoping to spend $30,033 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: 42/38/20 Blend
51$791,000$791,000$791,000$791,000
52$877,077$835,154$822,893$908,580
53$934,584$844,121$818,505$940,409
54$996,950$852,522$812,964$971,547
55$1,064,639$860,296$806,198$1,004,647
56$1,138,161$867,379$798,135$1,039,906
57$1,218,078$873,706$788,697$1,077,541
58$1,305,007$879,202$777,804$1,117,793
59$1,399,628$883,793$765,370$1,160,927
60$1,502,687$887,396$751,307$1,207,238
61$1,615,007$889,925$735,522$1,257,056
62$1,737,495$891,287$717,918$1,310,740
63$1,871,145$891,386$698,394$1,368,693
64$2,017,055$890,117$676,844$1,431,359
65$2,176,432$887,370$653,156$1,499,231
66$2,350,605$883,029$627,213$1,572,851
67$2,541,037$876,967$598,895$1,652,824
68$2,749,339$869,056$568,075$1,739,816
69$2,977,286$859,153$534,619$1,834,566
70$3,226,830$847,112$498,390$1,937,889
71$3,500,121$832,776$459,241$2,050,689
72$3,799,530$815,978$417,021$2,173,964
73$4,127,663$796,542$371,573$2,308,819
74$4,487,395$774,282$322,731$2,456,476
75$4,881,888$749,001$270,321$2,618,285
76$5,314,628$720,490$214,165$2,795,737
77$5,789,454$688,528$154,073$2,990,483
78$6,310,593$652,880$89,849$3,204,347
79$6,882,702$613,300$21,288$3,439,342
80$7,510,912$569,527$0$3,697,695
81$8,200,874$521,282$0$3,992,936
82$8,958,814$468,275$0$4,322,279
83$9,791,589$410,197$0$4,684,227
84$10,706,754$346,720$0$5,082,145
85$11,712,634$277,500$0$5,519,750
86$12,818,399$202,173$0$6,001,138
87$14,034,150$120,354$0$6,530,834
88$15,371,018$31,636$0$7,113,825
89$16,841,266$0$0$7,755,616
90$18,458,405$0$0$8,489,213
91$20,237,322$0$0$9,310,863
92$22,194,417$0$0$10,214,928
93$24,347,762$0$0$11,209,770
94$26,717,267$0$0$12,304,602
95$29,324,873$0$0$13,509,578
96$32,194,751$0$0$14,835,883
97$35,353,537$0$0$16,295,844
98$38,830,579$0$0$17,903,041
99$42,658,215$0$0$19,672,441
100$46,872,078$0$0$21,620,534