Can I retire at age 52 with 792,000?

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 $792,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$65,403$64,820$64,252$63,697$63,155$61,036
2 years$32,378$31,775$31,190$30,624$30,074$27,960
3 years$21,371$20,765$20,182$19,621$19,080$17,037
4 years$15,868$15,264$14,687$14,136$13,608$11,652
5 years$12,568$11,968$11,398$10,858$10,345$8,481
6 years$10,368$9,772$9,211$8,683$8,185$6,416
7 years$8,797$8,207$7,655$7,139$6,657$4,981
8 years$7,620$7,035$6,492$5,988$5,523$3,939
9 years$6,705$6,125$5,591$5,101$4,651$3,157
10 years$5,973$5,399$4,875$4,397$3,963$2,557
11 years$5,375$4,806$4,292$3,827$3,408$2,087
12 years$4,876$4,314$3,809$3,357$2,953$1,715
13 years$4,455$3,899$3,403$2,963$2,575$1,416
14 years$4,094$3,544$3,057$2,630$2,258$1,174
15 years$3,782$3,237$2,760$2,346$1,988$976
16 years$3,509$2,970$2,503$2,101$1,757$814
17 years$3,268$2,735$2,277$1,887$1,558$681
18 years$3,054$2,528$2,079$1,701$1,385$570
19 years$2,863$2,343$1,903$1,537$1,234$478
20 years$2,692$2,177$1,747$1,392$1,103$401
21 years$2,537$2,028$1,607$1,263$987$338
22 years$2,396$1,893$1,481$1,149$884$284
23 years$2,267$1,770$1,367$1,046$794$239
24 years$2,150$1,659$1,264$954$714$201
25 years$2,042$1,556$1,171$871$642$170
26 years$1,942$1,463$1,086$797$578$143
27 years$1,850$1,377$1,009$729$522$121
28 years$1,765$1,297$938$668$471$102
29 years$1,686$1,224$873$613$425$86
30 years$1,612$1,156$813$562$384$73
31 years$1,543$1,093$758$516$347$61
32 years$1,479$1,034$707$475$314$52
33 years$1,418$979$660$436$284$44
34 years$1,362$928$617$402$257$37
35 years$1,308$880$577$370$233$31
36 years$1,258$835$539$340$211$26
37 years$1,210$793$505$314$191$22
38 years$1,166$754$473$289$173$19
39 years$1,123$717$443$267$157$16
40 years$1,083$682$415$246$143$13
41 years$1,045$649$389$227$129$11
42 years$1,008$618$365$209$117$10
43 years$974$589$343$193$107$8
44 years$941$562$322$178$97$7
45 years$910$536$302$165$88$6
46 years$880$511$284$152$80$5
47 years$851$488$266$141$72$4
48 years$824$465$250$130$66$4
49 years$798$444$235$120$60$3
50 years$773$425$221$111$54$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $792,000, adding $4,687 every year, while hoping to spend $51,119 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: 77/11/12 Blend
51$792,000$792,000$792,000$792,000
52$877,619$835,643$823,367$942,808
53$912,746$822,199$796,559$972,948
54$949,742$806,383$767,140$999,018
55$988,745$788,025$734,969$1,026,160
56$1,029,903$766,945$699,897$1,054,463
57$1,073,379$742,951$661,769$1,084,022
58$1,119,350$715,842$620,425$1,114,946
59$1,168,010$685,404$575,695$1,147,351
60$1,219,569$651,411$527,402$1,181,371
61$1,274,258$613,623$475,364$1,217,150
62$1,332,330$571,788$419,386$1,254,850
63$1,394,060$525,638$359,268$1,294,649
64$1,459,751$474,891$294,800$1,336,744
65$1,529,732$419,247$225,762$1,381,355
66$1,604,365$358,391$151,926$1,428,723
67$1,684,047$291,988$73,052$1,479,118
68$1,769,211$219,688$0$1,532,836
69$1,860,334$141,116$0$1,591,629
70$1,957,938$55,880$0$1,664,513
71$2,062,594$0$0$1,742,561
72$2,174,932$0$0$1,830,666
73$2,295,639$0$0$1,932,623
74$2,425,472$0$0$2,042,310
75$2,565,262$0$0$2,160,430
76$2,715,922$0$0$2,287,757
77$2,878,452$0$0$2,425,140
78$3,053,953$0$0$2,573,514
79$3,243,636$0$0$2,733,904
80$3,448,829$0$0$2,907,437
81$3,670,993$0$0$3,095,353
82$3,911,735$0$0$3,299,014
83$4,172,822$0$0$3,519,918
84$4,456,195$0$0$3,759,714
85$4,763,991$0$0$4,020,212
86$5,098,560$0$0$4,303,407
87$5,462,487$0$0$4,611,492
88$5,858,617$0$0$4,946,879
89$6,290,079$0$0$5,312,224
90$6,760,318$0$0$5,710,448
91$7,273,124$0$0$6,144,766
92$7,832,668$0$0$6,618,719
93$8,443,543$0$0$7,136,201
94$9,110,803$0$0$7,701,501
95$9,840,014$0$0$8,319,339
96$10,637,301$0$0$8,994,915
97$11,509,410$0$0$9,733,949
98$12,463,767$0$0$10,542,744
99$13,508,552$0$0$11,428,238
100$14,652,770$0$0$12,398,072