Can I retire at age 52 with 763,000?

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 $763,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$63,008$62,447$61,899$61,365$60,843$59,859
2 years$31,192$30,611$30,048$29,502$28,973$27,985
3 years$20,588$20,005$19,443$18,902$18,381$17,420
4 years$15,287$14,706$14,150$13,618$13,110$12,181
5 years$12,107$11,529$10,981$10,460$9,966$9,074
6 years$9,988$9,415$8,874$8,365$7,886$7,031
7 years$8,475$7,906$7,374$6,877$6,413$5,596
8 years$7,341$6,777$6,254$5,769$5,320$4,540
9 years$6,459$5,901$5,387$4,914$4,480$3,737
10 years$5,754$5,201$4,696$4,236$3,818$3,111
11 years$5,178$4,630$4,134$3,687$3,283$2,612
12 years$4,698$4,156$3,669$3,234$2,845$2,209
13 years$4,292$3,756$3,278$2,855$2,481$1,878
14 years$3,944$3,414$2,945$2,534$2,175$1,605
15 years$3,643$3,119$2,659$2,260$1,915$1,377
16 years$3,380$2,861$2,411$2,024$1,692$1,185
17 years$3,148$2,635$2,194$1,818$1,501$1,022
18 years$2,943$2,435$2,003$1,639$1,334$884
19 years$2,759$2,257$1,834$1,481$1,189$766
20 years$2,593$2,097$1,683$1,341$1,062$665
21 years$2,444$1,953$1,548$1,217$951$579
22 years$2,308$1,823$1,426$1,107$852$504
23 years$2,184$1,705$1,317$1,008$765$439
24 years$2,071$1,598$1,218$919$688$383
25 years$1,967$1,499$1,128$839$619$334
26 years$1,871$1,409$1,046$767$557$292
27 years$1,783$1,326$972$703$502$255
28 years$1,701$1,250$903$644$453$223
29 years$1,624$1,179$841$590$409$195
30 years$1,553$1,113$783$542$370$171
31 years$1,487$1,053$730$497$334$150
32 years$1,425$996$681$457$302$131
33 years$1,366$943$636$420$274$115
34 years$1,312$894$594$387$248$101
35 years$1,260$848$555$356$224$88
36 years$1,212$805$520$328$203$78
37 years$1,166$764$486$302$184$68
38 years$1,123$726$455$279$167$60
39 years$1,082$691$427$257$152$52
40 years$1,043$657$400$237$137$46
41 years$1,006$626$375$219$125$40
42 years$971$596$352$202$113$35
43 years$938$568$330$186$103$31
44 years$907$541$310$172$93$27
45 years$876$516$291$159$85$24
46 years$848$492$273$147$77$21
47 years$820$470$257$135$70$18
48 years$794$448$241$125$63$16
49 years$769$428$227$116$58$14
50 years$745$409$213$107$52$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $763,000, adding $3,478 every year, while hoping to spend $53,961 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: 72/20/8 Blend
51$763,000$763,000$763,000$763,000
52$844,414$803,975$792,148$903,852
53$873,130$785,955$761,271$925,544
54$902,966$765,244$727,551$942,240
55$933,981$741,653$690,836$959,023
56$966,234$714,982$650,966$975,888
57$999,793$685,019$607,776$992,828
58$1,034,727$651,540$561,092$1,009,838
59$1,071,113$614,309$510,732$1,026,915
60$1,109,031$573,075$456,507$1,044,054
61$1,148,570$527,573$398,217$1,061,253
62$1,189,824$477,524$335,658$1,078,512
63$1,232,895$422,632$268,611$1,095,832
64$1,277,894$362,584$196,853$1,113,217
65$1,324,938$297,050$120,147$1,130,671
66$1,374,157$225,681$38,247$1,148,204
67$1,425,690$148,108$0$1,165,827
68$1,479,687$63,942$0$1,187,754
69$1,536,312$0$0$1,213,564
70$1,595,742$0$0$1,246,032
71$1,658,169$0$0$1,294,932
72$1,723,804$0$0$1,346,357
73$1,792,874$0$0$1,400,486
74$1,865,625$0$0$1,457,515
75$1,942,329$0$0$1,517,658
76$2,023,278$0$0$1,581,147
77$2,108,793$0$0$1,648,236
78$2,199,223$0$0$1,719,201
79$2,294,951$0$0$1,794,343
80$2,396,392$0$0$1,873,994
81$2,504,001$0$0$1,958,513
82$2,618,277$0$0$2,048,293
83$2,739,763$0$0$2,143,767
84$2,869,056$0$0$2,245,406
85$3,006,806$0$0$2,353,725
86$3,153,727$0$0$2,469,290
87$3,310,601$0$0$2,592,721
88$3,478,285$0$0$2,724,696
89$3,657,718$0$0$2,865,959
90$3,849,930$0$0$3,017,327
91$4,056,050$0$0$3,179,694
92$4,277,317$0$0$3,354,042
93$4,515,090$0$0$3,541,449
94$4,770,864$0$0$3,743,098
95$5,046,277$0$0$3,960,289
96$5,343,128$0$0$4,194,448
97$5,663,395$0$0$4,447,143
98$6,009,250$0$0$4,720,097
99$6,383,081$0$0$5,015,200
100$6,787,510$0$0$5,334,535