Can I retire at age 52 with 765,000?

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 $765,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$63,173$62,610$62,061$61,525$61,002$59,168
2 years$31,274$30,691$30,127$29,580$29,049$27,216
3 years$20,642$20,057$19,494$18,952$18,430$16,656
4 years$15,327$14,744$14,187$13,654$13,144$11,444
5 years$12,139$11,560$11,009$10,487$9,992$8,369
6 years$10,015$9,439$8,897$8,387$7,906$6,362
7 years$8,498$7,927$7,394$6,895$6,430$4,964
8 years$7,360$6,795$6,270$5,784$5,334$3,947
9 years$6,476$5,916$5,401$4,927$4,492$3,181
10 years$5,769$5,215$4,708$4,247$3,828$2,591
11 years$5,191$4,642$4,145$3,696$3,292$2,127
12 years$4,710$4,167$3,679$3,242$2,853$1,758
13 years$4,303$3,766$3,287$2,862$2,488$1,461
14 years$3,955$3,423$2,953$2,541$2,181$1,219
15 years$3,653$3,127$2,666$2,266$1,920$1,020
16 years$3,389$2,869$2,417$2,029$1,697$856
17 years$3,157$2,642$2,200$1,823$1,505$721
18 years$2,950$2,441$2,008$1,643$1,338$607
19 years$2,766$2,263$1,838$1,484$1,192$513
20 years$2,600$2,103$1,687$1,344$1,065$434
21 years$2,450$1,958$1,552$1,220$953$367
22 years$2,314$1,828$1,430$1,109$854$311
23 years$2,190$1,710$1,321$1,010$767$264
24 years$2,077$1,602$1,221$922$689$224
25 years$1,972$1,503$1,131$842$620$190
26 years$1,876$1,413$1,049$770$559$161
27 years$1,787$1,330$974$704$504$137
28 years$1,705$1,253$906$645$455$117
29 years$1,628$1,182$843$592$410$99
30 years$1,557$1,116$785$543$371$84
31 years$1,491$1,055$732$499$335$72
32 years$1,428$999$683$458$303$61
33 years$1,370$946$638$422$274$52
34 years$1,315$896$596$388$249$44
35 years$1,264$850$557$357$225$38
36 years$1,215$807$521$329$204$32
37 years$1,169$766$488$303$185$27
38 years$1,126$728$457$279$168$23
39 years$1,085$693$428$257$152$20
40 years$1,046$659$401$237$138$17
41 years$1,009$627$376$219$125$14
42 years$974$597$353$202$113$12
43 years$941$569$331$187$103$10
44 years$909$542$311$172$93$9
45 years$879$517$292$159$85$8
46 years$850$493$274$147$77$6
47 years$822$471$257$136$70$5
48 years$796$450$242$126$64$5
49 years$771$429$227$116$58$4
50 years$747$410$214$107$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $765,000, adding $2,433 every year, while hoping to spend $28,431 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: 50/38/12 Blend
51$765,000$765,000$765,000$765,000
52$845,540$804,995$793,137$884,959
53$901,534$814,189$789,457$921,434
54$962,288$822,881$784,700$957,854
55$1,028,255$831,016$778,802$996,785
56$1,099,937$838,536$771,692$1,038,472
57$1,177,884$845,378$763,297$1,083,185
58$1,262,704$851,477$753,543$1,131,222
59$1,355,063$856,762$742,350$1,182,912
60$1,455,694$861,159$729,633$1,238,619
61$1,565,406$864,586$715,307$1,298,747
62$1,685,087$866,961$699,280$1,363,740
63$1,815,716$868,192$681,456$1,434,090
64$1,958,370$868,184$661,735$1,510,339
65$2,114,234$866,836$640,014$1,593,087
66$2,284,614$864,039$616,182$1,682,998
67$2,470,946$859,678$590,126$1,780,802
68$2,674,813$853,633$561,726$1,887,310
69$2,897,958$845,775$530,857$2,003,413
70$3,142,298$835,966$497,390$2,130,099
71$3,409,946$824,063$461,186$2,268,457
72$3,703,229$809,910$422,104$2,419,691
73$4,024,710$793,347$379,996$2,585,128
74$4,377,209$774,200$334,705$2,766,237
75$4,763,836$752,287$286,069$2,964,636
76$5,188,013$727,415$233,918$3,182,114
77$5,653,512$699,380$178,076$3,420,647
78$6,164,486$667,966$118,358$3,682,412
79$6,725,511$632,943$54,569$3,969,817
80$7,341,625$594,069$0$4,285,517
81$8,018,382$551,090$0$4,634,172
82$8,761,897$503,733$0$5,024,857
83$9,578,908$451,714$0$5,454,177
84$10,476,839$394,730$0$5,926,099
85$11,463,866$332,461$0$6,445,004
86$12,548,999$264,570$0$7,015,720
87$13,742,164$190,702$0$7,643,575
88$15,054,296$110,478$0$8,334,443
89$16,497,445$23,502$0$9,094,806
90$18,084,884$0$0$9,931,809
91$19,831,241$0$0$10,882,876
92$21,752,629$0$0$11,940,171
93$23,866,805$0$0$13,103,648
94$26,193,332$0$0$14,384,085
95$28,753,767$0$0$15,793,358
96$31,571,860$0$0$17,344,554
97$34,673,783$0$0$19,052,090
98$38,088,372$0$0$20,931,854
99$41,847,402$0$0$23,001,352
100$45,985,884$0$0$25,279,874