Can I retire at age 52 with 767,000?

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 $767,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$63,338$62,774$62,224$61,686$61,162$60,198
2 years$31,356$30,772$30,206$29,657$29,125$28,156
3 years$20,696$20,110$19,545$19,001$18,478$17,535
4 years$15,367$14,783$14,224$13,689$13,179$12,268
5 years$12,171$11,590$11,038$10,515$10,018$9,143
6 years$10,041$9,464$8,921$8,409$7,927$7,088
7 years$8,520$7,948$7,413$6,913$6,447$5,645
8 years$7,380$6,813$6,287$5,799$5,348$4,583
9 years$6,493$5,932$5,415$4,940$4,504$3,774
10 years$5,784$5,229$4,721$4,258$3,838$3,144
11 years$5,205$4,655$4,156$3,706$3,300$2,641
12 years$4,722$4,178$3,688$3,251$2,860$2,235
13 years$4,314$3,775$3,295$2,870$2,494$1,902
14 years$3,965$3,432$2,961$2,547$2,186$1,626
15 years$3,663$3,135$2,673$2,272$1,925$1,396
16 years$3,398$2,876$2,424$2,034$1,701$1,202
17 years$3,165$2,649$2,206$1,828$1,508$1,038
18 years$2,958$2,448$2,013$1,647$1,341$898
19 years$2,773$2,269$1,843$1,488$1,196$779
20 years$2,607$2,108$1,692$1,348$1,068$677
21 years$2,457$1,964$1,556$1,223$956$589
22 years$2,320$1,833$1,434$1,112$857$513
23 years$2,196$1,714$1,324$1,013$769$448
24 years$2,082$1,606$1,224$924$691$391
25 years$1,977$1,507$1,134$844$622$342
26 years$1,881$1,417$1,052$772$560$299
27 years$1,792$1,333$977$706$505$261
28 years$1,709$1,256$908$647$456$229
29 years$1,633$1,185$845$593$412$200
30 years$1,561$1,119$787$545$372$175
31 years$1,495$1,058$734$500$336$154
32 years$1,432$1,001$685$460$304$135
33 years$1,374$948$639$423$275$118
34 years$1,319$899$597$389$249$104
35 years$1,267$852$558$358$226$91
36 years$1,218$809$522$330$204$80
37 years$1,172$768$489$304$185$70
38 years$1,129$730$458$280$168$62
39 years$1,088$694$429$258$152$54
40 years$1,049$661$402$238$138$47
41 years$1,012$629$377$220$125$42
42 years$977$599$354$203$114$37
43 years$943$571$332$187$103$32
44 years$911$544$311$173$94$28
45 years$881$519$292$160$85$25
46 years$852$495$275$147$77$22
47 years$825$472$258$136$70$19
48 years$798$451$243$126$64$17
49 years$773$430$228$116$58$15
50 years$749$411$214$108$53$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $767,000, adding $4,030 every year, while hoping to spend $57,438 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: 29/49/22 Blend
51$767,000$767,000$767,000$767,000
52$849,391$808,740$796,851$868,075
53$874,915$787,255$762,432$861,342
54$901,118$762,791$724,935$848,733
55$928,008$735,144$684,196$833,974
56$955,592$704,093$640,044$816,915
57$983,877$669,408$592,300$797,399
58$1,012,867$630,845$540,777$775,259
59$1,042,567$588,143$485,281$750,321
60$1,072,977$541,031$425,606$722,396
61$1,104,097$489,218$361,540$691,288
62$1,135,925$432,399$292,861$656,789
63$1,168,454$370,251$219,337$618,678
64$1,201,675$302,433$140,724$576,721
65$1,235,578$228,583$56,770$530,673
66$1,270,145$148,323$0$480,272
67$1,305,358$61,248$0$432,949
68$1,341,190$0$0$395,428
69$1,377,612$0$0$371,957
70$1,414,587$0$0$381,622
71$1,452,071$0$0$391,382
72$1,490,015$0$0$401,219
73$1,528,359$0$0$411,112
74$1,567,034$0$0$421,036
75$1,605,962$0$0$430,964
76$1,645,052$0$0$440,865
77$1,684,201$0$0$450,703
78$1,723,290$0$0$460,438
79$1,762,186$0$0$470,024
80$1,800,738$0$0$479,411
81$1,838,775$0$0$488,540
82$1,876,104$0$0$497,348
83$1,912,508$0$0$505,763
84$1,947,744$0$0$513,702
85$1,981,540$0$0$521,077
86$2,013,589$0$0$527,785
87$2,043,550$0$0$533,715
88$2,071,041$0$0$538,741
89$2,095,636$0$0$542,722
90$2,116,861$0$0$545,505
91$2,134,185$0$0$546,915
92$2,147,021$0$0$546,760
93$2,154,714$0$0$544,828
94$2,156,535$0$0$540,881
95$2,151,676$0$0$534,657
96$2,139,240$0$0$525,864
97$2,118,230$0$0$514,179
98$2,087,541$0$0$499,244
99$2,045,950$0$0$480,664
100$1,992,099$0$0$457,999