Can I retire at age 52 with 766,000?

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 $766,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$63,256$62,692$62,142$61,606$61,082$60,294
2 years$31,315$30,731$30,166$29,618$29,087$28,294
3 years$20,669$20,083$19,520$18,977$18,454$17,681
4 years$15,347$14,763$14,205$13,672$13,161$12,414
5 years$12,155$11,575$11,024$10,501$10,005$9,286
6 years$10,028$9,452$8,909$8,398$7,917$7,226
7 years$8,509$7,937$7,403$6,904$6,438$5,777
8 years$7,370$6,804$6,279$5,792$5,341$4,709
9 years$6,485$5,924$5,408$4,933$4,498$3,895
10 years$5,777$5,222$4,715$4,253$3,833$3,257
11 years$5,198$4,649$4,151$3,701$3,296$2,749
12 years$4,716$4,172$3,684$3,246$2,856$2,336
13 years$4,309$3,771$3,291$2,866$2,491$1,997
14 years$3,960$3,427$2,957$2,544$2,183$1,716
15 years$3,658$3,131$2,670$2,269$1,922$1,480
16 years$3,394$2,873$2,421$2,032$1,699$1,281
17 years$3,161$2,646$2,203$1,825$1,507$1,111
18 years$2,954$2,445$2,011$1,645$1,340$967
19 years$2,769$2,266$1,841$1,486$1,194$843
20 years$2,603$2,105$1,689$1,346$1,066$736
21 years$2,453$1,961$1,554$1,222$954$644
22 years$2,317$1,831$1,432$1,111$855$564
23 years$2,193$1,712$1,322$1,012$768$495
24 years$2,079$1,604$1,223$923$690$434
25 years$1,975$1,505$1,133$843$621$381
26 years$1,879$1,415$1,050$771$559$335
27 years$1,790$1,331$975$705$504$295
28 years$1,707$1,255$907$646$455$260
29 years$1,631$1,184$844$593$411$229
30 years$1,559$1,118$786$544$371$202
31 years$1,493$1,057$733$499$336$178
32 years$1,430$1,000$684$459$304$157
33 years$1,372$947$638$422$275$138
34 years$1,317$897$596$388$249$122
35 years$1,265$851$558$358$225$108
36 years$1,217$808$522$329$204$95
37 years$1,171$767$488$303$185$84
38 years$1,127$729$457$280$168$74
39 years$1,086$693$428$258$152$65
40 years$1,047$660$402$238$138$58
41 years$1,010$628$377$219$125$51
42 years$975$598$353$202$114$45
43 years$942$570$331$187$103$40
44 years$910$543$311$173$94$35
45 years$880$518$292$159$85$31
46 years$851$494$274$147$77$28
47 years$823$472$258$136$70$24
48 years$797$450$242$126$64$22
49 years$772$430$228$116$58$19
50 years$748$411$214$107$52$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $766,000, adding $2,808 every year, while hoping to spend $48,482 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: 51/21/28 Blend
51$766,000$766,000$766,000$766,000
52$847,028$806,430$794,557$883,417
53$881,841$794,361$769,591$897,004
54$918,579$780,075$742,163$906,684
55$957,389$763,414$712,140$916,258
56$998,428$744,206$679,382$925,736
57$1,041,870$722,275$643,743$935,135
58$1,087,904$697,429$605,072$944,474
59$1,136,735$669,468$563,207$953,780
60$1,188,590$638,180$517,982$963,085
61$1,243,715$603,340$469,224$972,426
62$1,302,381$564,711$416,749$981,852
63$1,364,882$522,040$360,369$991,418
64$1,431,543$475,063$299,884$1,001,190
65$1,502,718$423,498$235,088$1,011,245
66$1,578,795$367,049$165,763$1,021,674
67$1,660,200$305,403$91,684$1,032,583
68$1,747,400$238,227$12,614$1,044,092
69$1,840,906$165,172$0$1,056,340
70$1,941,282$85,868$0$1,090,930
71$2,049,143$0$0$1,132,018
72$2,165,166$0$0$1,176,139
73$2,290,094$0$0$1,245,068
74$2,424,743$0$0$1,319,420
75$2,570,010$0$0$1,399,698
76$2,726,880$0$0$1,486,454
77$2,896,434$0$0$1,580,294
78$3,079,862$0$0$1,681,887
79$3,278,471$0$0$1,791,964
80$3,493,699$0$0$1,911,332
81$3,727,127$0$0$2,040,879
82$3,980,492$0$0$2,181,579
83$4,255,705$0$0$2,334,505
84$4,554,871$0$0$2,500,838
85$4,880,301$0$0$2,681,875
86$5,234,542$0$0$2,879,045
87$5,620,393$0$0$3,093,921
88$6,040,937$0$0$3,328,232
89$6,499,565$0$0$3,583,883
90$7,000,010$0$0$3,862,970
91$7,546,382$0$0$4,167,799
92$8,143,204$0$0$4,500,912
93$8,795,454$0$0$4,865,105
94$9,508,616$0$0$5,263,455
95$10,288,725$0$0$5,699,354
96$11,142,428$0$0$6,176,534
97$12,077,042$0$0$6,699,105
98$13,100,627$0$0$7,271,594
99$14,222,056$0$0$7,898,987
100$15,451,104$0$0$8,586,773