Can I retire at age 52 with 768,000?

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 $768,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$63,421$62,856$62,305$61,767$61,241$58,835
2 years$31,396$30,812$30,245$29,696$29,163$26,767
3 years$20,723$20,136$19,571$19,026$18,502$16,194
4 years$15,387$14,802$14,242$13,707$13,196$10,992
5 years$12,187$11,605$11,053$10,529$10,031$7,937
6 years$10,054$9,476$8,932$8,420$7,937$5,955
7 years$8,531$7,958$7,423$6,922$6,455$4,583
8 years$7,389$6,822$6,295$5,807$5,355$3,592
9 years$6,502$5,939$5,422$4,946$4,510$2,853
10 years$5,792$5,235$4,727$4,264$3,843$2,289
11 years$5,212$4,661$4,162$3,711$3,305$1,851
12 years$4,729$4,183$3,693$3,255$2,864$1,505
13 years$4,320$3,780$3,300$2,873$2,497$1,230
14 years$3,970$3,436$2,965$2,551$2,189$1,009
15 years$3,667$3,139$2,677$2,275$1,927$831
16 years$3,403$2,880$2,427$2,037$1,704$685
17 years$3,169$2,652$2,208$1,830$1,510$566
18 years$2,962$2,451$2,016$1,649$1,343$469
19 years$2,777$2,272$1,846$1,490$1,197$389
20 years$2,610$2,111$1,694$1,350$1,069$323
21 years$2,460$1,966$1,558$1,225$957$268
22 years$2,323$1,835$1,436$1,114$858$223
23 years$2,199$1,717$1,326$1,014$770$186
24 years$2,085$1,608$1,226$925$692$155
25 years$1,980$1,509$1,136$845$623$129
26 years$1,884$1,418$1,053$773$561$107
27 years$1,794$1,335$978$707$506$89
28 years$1,712$1,258$909$648$456$75
29 years$1,635$1,187$846$594$412$62
30 years$1,563$1,121$788$545$372$52
31 years$1,496$1,059$735$501$337$43
32 years$1,434$1,002$685$460$304$36
33 years$1,375$949$640$423$276$30
34 years$1,320$900$598$389$249$25
35 years$1,269$853$559$358$226$21
36 years$1,220$810$523$330$205$17
37 years$1,174$769$490$304$186$15
38 years$1,130$731$458$280$168$12
39 years$1,089$695$430$259$153$10
40 years$1,050$661$403$238$138$8
41 years$1,013$630$377$220$126$7
42 years$978$600$354$203$114$6
43 years$944$571$332$187$103$5
44 years$912$545$312$173$94$4
45 years$882$519$293$160$85$3
46 years$853$495$275$148$77$3
47 years$826$473$258$136$70$2
48 years$799$451$243$126$64$2
49 years$774$431$228$116$58$2
50 years$750$412$215$108$53$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $768,000, adding $3,346 every year, while hoping to spend $48,409 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: 50/28/22 Blend
51$768,000$768,000$768,000$768,000
52$849,787$809,083$797,179$886,883
53$884,959$797,222$772,378$901,101
54$922,095$783,156$745,124$911,352
55$961,346$766,728$715,282$921,490
56$1,002,875$747,769$682,715$931,523
57$1,046,858$726,100$647,276$941,463
58$1,093,491$701,532$608,814$951,329
59$1,142,986$673,866$567,168$961,142
60$1,195,575$642,890$522,172$970,931
61$1,251,512$608,380$473,654$980,730
62$1,311,076$570,100$421,430$990,582
63$1,374,570$527,799$365,313$1,000,538
64$1,442,328$481,213$305,103$1,010,659
65$1,514,716$430,063$240,594$1,021,017
66$1,592,133$374,052$171,570$1,031,698
67$1,675,018$312,868$97,805$1,042,800
68$1,763,853$246,182$19,065$1,054,439
69$1,859,165$173,644$0$1,066,746
70$1,961,535$94,888$0$1,095,126
71$2,071,597$9,523$0$1,130,270
72$2,190,051$0$0$1,167,963
73$2,317,662$0$0$1,234,029
74$2,455,272$0$0$1,308,498
75$2,603,806$0$0$1,388,943
76$2,764,282$0$0$1,475,923
77$2,937,814$0$0$1,570,053
78$3,125,632$0$0$1,672,007
79$3,329,084$0$0$1,782,527
80$3,549,654$0$0$1,902,430
81$3,788,974$0$0$2,032,612
82$4,048,838$0$0$2,174,061
83$4,331,220$0$0$2,327,863
84$4,638,291$0$0$2,495,212
85$4,972,439$0$0$2,677,422
86$5,336,294$0$0$2,875,941
87$5,732,747$0$0$3,092,359
88$6,164,981$0$0$3,328,429
89$6,636,499$0$0$3,586,079
90$7,151,156$0$0$3,867,430
91$7,713,197$0$0$4,174,819
92$8,327,294$0$0$4,510,820
93$8,998,590$0$0$4,878,262
94$9,732,749$0$0$5,280,265
95$10,536,006$0$0$5,720,261
96$11,415,226$0$0$6,202,031
97$12,377,969$0$0$6,729,738
98$13,432,562$0$0$7,307,968
99$14,588,173$0$0$7,941,768
100$15,854,898$0$0$8,636,700