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%12.8%
1 years$65,320$64,738$64,171$63,616$63,075$62,339
2 years$32,337$31,734$31,151$30,585$30,036$29,295
3 years$21,344$20,739$20,157$19,596$19,056$18,333
4 years$15,848$15,245$14,669$14,118$13,591$12,892
5 years$12,552$11,952$11,384$10,844$10,332$9,658
6 years$10,355$9,760$9,200$8,672$8,175$7,528
7 years$8,786$8,196$7,645$7,130$6,648$6,028
8 years$7,610$7,026$6,484$5,981$5,516$4,922
9 years$6,696$6,117$5,584$5,094$4,645$4,078
10 years$5,965$5,392$4,868$4,391$3,958$3,417
11 years$5,368$4,800$4,286$3,822$3,404$2,889
12 years$4,870$4,308$3,804$3,352$2,950$2,460
13 years$4,449$3,894$3,398$2,960$2,572$2,107
14 years$4,089$3,539$3,054$2,627$2,255$1,814
15 years$3,777$3,233$2,757$2,343$1,985$1,568
16 years$3,504$2,966$2,500$2,098$1,755$1,359
17 years$3,264$2,732$2,275$1,885$1,556$1,182
18 years$3,051$2,524$2,076$1,699$1,383$1,031
19 years$2,860$2,340$1,901$1,535$1,233$901
20 years$2,688$2,174$1,744$1,390$1,101$788
21 years$2,533$2,025$1,605$1,262$986$691
22 years$2,393$1,890$1,479$1,147$883$607
23 years$2,265$1,768$1,365$1,045$793$533
24 years$2,147$1,656$1,263$953$713$469
25 years$2,039$1,554$1,170$870$641$413
26 years$1,940$1,461$1,085$796$578$364
27 years$1,848$1,375$1,007$728$521$321
28 years$1,763$1,296$936$667$470$283
29 years$1,684$1,222$871$612$424$250
30 years$1,610$1,154$812$562$383$221
31 years$1,541$1,091$757$516$347$195
32 years$1,477$1,032$706$474$314$173
33 years$1,417$978$659$436$284$153
34 years$1,360$927$616$401$257$135
35 years$1,307$879$576$369$233$120
36 years$1,256$834$539$340$211$106
37 years$1,209$792$504$313$191$94
38 years$1,164$753$472$289$173$83
39 years$1,122$716$442$266$157$73
40 years$1,081$681$415$246$143$65
41 years$1,043$649$389$227$129$58
42 years$1,007$618$365$209$117$51
43 years$973$588$342$193$106$45
44 years$940$561$321$178$97$40
45 years$909$535$302$165$88$35
46 years$879$510$283$152$80$31
47 years$850$487$266$140$72$28
48 years$823$465$250$130$66$25
49 years$797$444$235$120$60$22
50 years$772$424$221$111$54$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $791,000, adding $6,007 every year, while hoping to spend $25,263 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: 31/44/25 Blend
51$791,000$791,000$791,000$791,000
52$877,878$835,955$823,695$898,185
53$940,542$850,037$824,409$928,312
54$1,008,751$863,963$824,300$958,066
55$1,083,044$877,697$823,315$989,584
56$1,164,014$891,204$821,395$1,023,038
57$1,252,313$904,443$818,482$1,058,618
58$1,348,661$917,372$814,513$1,096,534
59$1,453,847$929,946$809,422$1,137,017
60$1,568,743$942,117$803,140$1,180,324
61$1,694,305$953,831$795,596$1,226,742
62$1,831,590$965,035$786,715$1,276,584
63$1,981,759$975,668$776,416$1,330,201
64$2,146,090$985,668$764,618$1,387,978
65$2,325,992$994,966$751,233$1,450,343
66$2,523,016$1,003,492$736,172$1,517,769
67$2,738,869$1,011,169$719,339$1,590,781
68$2,975,432$1,017,914$700,635$1,669,957
69$3,234,776$1,023,642$679,957$1,755,938
70$3,519,182$1,028,260$657,194$1,849,432
71$3,831,163$1,031,669$632,235$1,951,224
72$4,173,487$1,033,766$604,960$2,062,181
73$4,549,201$1,034,439$575,245$2,183,259
74$4,961,664$1,033,571$542,960$2,315,519
75$5,414,574$1,031,036$507,969$2,460,132
76$5,912,006$1,026,702$470,131$2,618,391
77$6,458,448$1,020,427$429,298$2,791,726
78$7,058,844$1,012,063$385,314$2,981,718
79$7,718,642$1,001,450$338,018$3,190,113
80$8,443,844$988,421$287,242$3,418,840
81$9,241,059$972,797$232,808$3,670,030
82$10,117,573$954,390$174,533$3,946,036
83$11,081,410$933,000$112,224$4,249,458
84$12,141,412$908,415$45,681$4,583,167
85$13,307,319$880,410$0$4,950,334
86$14,589,865$848,749$0$5,361,216
87$16,000,874$813,181$0$5,826,364
88$17,553,375$773,439$0$6,337,908
89$19,261,724$729,242$0$6,900,621
90$21,141,739$680,294$0$7,519,771
91$23,210,848$626,281$0$8,201,164
92$25,488,255$566,869$0$8,951,208
93$27,995,119$501,707$0$9,776,969
94$30,754,756$430,426$0$10,686,239
95$33,792,856$352,631$0$11,687,613
96$37,137,727$267,910$0$12,790,571
97$40,820,563$175,825$0$14,005,566
98$44,875,733$75,913$0$15,344,126
99$49,341,112$0$0$16,818,963
100$54,258,433$0$0$18,459,741