Can I retire at age 52 with 791,000?

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 $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%16.6%
1 years$65,320$64,738$64,171$63,616$63,075$61,376
2 years$32,337$31,734$31,151$30,585$30,036$28,336
3 years$21,344$20,739$20,157$19,596$19,056$17,409
4 years$15,848$15,245$14,669$14,118$13,591$12,009
5 years$12,552$11,952$11,384$10,844$10,332$8,819
6 years$10,355$9,760$9,200$8,672$8,175$6,734
7 years$8,786$8,196$7,645$7,130$6,648$5,279
8 years$7,610$7,026$6,484$5,981$5,516$4,216
9 years$6,696$6,117$5,584$5,094$4,645$3,415
10 years$5,965$5,392$4,868$4,391$3,958$2,795
11 years$5,368$4,800$4,286$3,822$3,404$2,307
12 years$4,870$4,308$3,804$3,352$2,950$1,917
13 years$4,449$3,894$3,398$2,960$2,572$1,601
14 years$4,089$3,539$3,054$2,627$2,255$1,343
15 years$3,777$3,233$2,757$2,343$1,985$1,131
16 years$3,504$2,966$2,500$2,098$1,755$955
17 years$3,264$2,732$2,275$1,885$1,556$808
18 years$3,051$2,524$2,076$1,699$1,383$685
19 years$2,860$2,340$1,901$1,535$1,233$582
20 years$2,688$2,174$1,744$1,390$1,101$495
21 years$2,533$2,025$1,605$1,262$986$422
22 years$2,393$1,890$1,479$1,147$883$360
23 years$2,265$1,768$1,365$1,045$793$307
24 years$2,147$1,656$1,263$953$713$262
25 years$2,039$1,554$1,170$870$641$224
26 years$1,940$1,461$1,085$796$578$191
27 years$1,848$1,375$1,007$728$521$164
28 years$1,763$1,296$936$667$470$140
29 years$1,684$1,222$871$612$424$120
30 years$1,610$1,154$812$562$383$103
31 years$1,541$1,091$757$516$347$88
32 years$1,477$1,032$706$474$314$75
33 years$1,417$978$659$436$284$65
34 years$1,360$927$616$401$257$55
35 years$1,307$879$576$369$233$47
36 years$1,256$834$539$340$211$41
37 years$1,209$792$504$313$191$35
38 years$1,164$753$472$289$173$30
39 years$1,122$716$442$266$157$26
40 years$1,081$681$415$246$143$22
41 years$1,043$649$389$227$129$19
42 years$1,007$618$365$209$117$16
43 years$973$588$342$193$106$14
44 years$940$561$321$178$97$12
45 years$909$535$302$165$88$10
46 years$879$510$283$152$80$9
47 years$850$487$266$140$72$7
48 years$823$465$250$130$66$6
49 years$797$444$235$120$60$5
50 years$772$424$221$111$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $791,000, adding $5,310 every year, while hoping to spend $44,810 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: 75/18/7 Blend
51$791,000$791,000$791,000$791,000
52$877,159$835,236$822,976$941,739
53$918,952$828,485$802,868$978,212
54$963,506$819,902$780,585$1,011,934
55$1,011,055$809,349$756,006$1,047,598
56$1,061,856$796,680$729,006$1,085,380
57$1,116,191$781,743$699,453$1,125,474
58$1,174,367$764,373$667,209$1,168,093
59$1,236,724$744,399$632,132$1,213,476
60$1,303,632$721,637$594,071$1,261,883
61$1,375,499$695,893$552,869$1,313,602
62$1,452,771$666,964$508,361$1,368,954
63$1,535,940$634,631$460,378$1,428,291
64$1,625,544$598,666$408,738$1,492,002
65$1,722,176$558,827$353,257$1,560,516
66$1,826,484$514,856$293,738$1,634,310
67$1,939,185$466,483$229,977$1,713,908
68$2,061,063$413,421$161,762$1,799,889
69$2,192,980$355,368$88,871$1,892,893
70$2,335,887$292,004$11,070$1,993,629
71$2,490,825$222,990$0$2,102,876
72$2,658,943$147,970$0$2,226,873
73$2,841,501$66,567$0$2,362,428
74$3,039,888$0$0$2,509,786
75$3,255,629$0$0$2,674,412
76$3,490,405$0$0$2,867,938
77$3,746,063$0$0$3,078,708
78$4,024,637$0$0$3,308,401
79$4,328,364$0$0$3,558,865
80$4,659,707$0$0$3,832,137
81$5,021,378$0$0$4,130,456
82$5,416,361$0$0$4,456,288
83$5,847,939$0$0$4,812,348
84$6,319,731$0$0$5,201,623
85$6,835,718$0$0$5,627,404
86$7,400,283$0$0$6,093,315
87$8,018,255$0$0$6,603,343
88$8,694,949$0$0$7,161,883
89$9,436,219$0$0$7,773,771
90$10,248,511$0$0$8,444,335
91$11,138,927$0$0$9,179,442
92$12,115,284$0$0$9,985,554
93$13,186,195$0$0$10,869,789
94$14,361,146$0$0$11,839,986
95$15,650,587$0$0$12,904,779
96$17,066,025$0$0$14,073,680
97$18,620,139$0$0$15,357,166
98$20,326,894$0$0$16,766,779
99$22,201,674$0$0$18,315,233
100$24,261,427$0$0$20,016,534