Can I retire at age 52 with 770,000?

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 $770,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$63,586$63,019$62,467$61,928$61,401$60,186
2 years$31,478$30,892$30,324$29,773$29,239$28,019
3 years$20,777$20,188$19,621$19,076$18,550$17,365
4 years$15,427$14,840$14,279$13,743$13,230$12,088
5 years$12,219$11,635$11,081$10,556$10,057$8,962
6 years$10,080$9,501$8,955$8,442$7,958$6,910
7 years$8,553$7,979$7,442$6,940$6,472$5,472
8 years$7,408$6,839$6,311$5,822$5,369$4,417
9 years$6,519$5,955$5,436$4,959$4,522$3,616
10 years$5,807$5,249$4,739$4,275$3,853$2,993
11 years$5,225$4,673$4,172$3,720$3,313$2,499
12 years$4,741$4,194$3,703$3,263$2,871$2,101
13 years$4,331$3,790$3,308$2,881$2,504$1,776
14 years$3,981$3,445$2,972$2,557$2,195$1,508
15 years$3,677$3,147$2,684$2,281$1,933$1,286
16 years$3,411$2,888$2,433$2,042$1,708$1,100
17 years$3,177$2,659$2,214$1,835$1,514$943
18 years$2,970$2,457$2,021$1,654$1,347$810
19 years$2,784$2,277$1,850$1,494$1,200$698
20 years$2,617$2,116$1,698$1,353$1,072$602
21 years$2,466$1,971$1,562$1,228$959$520
22 years$2,329$1,840$1,440$1,117$860$449
23 years$2,204$1,721$1,329$1,017$772$389
24 years$2,090$1,612$1,229$928$694$337
25 years$1,985$1,513$1,139$847$624$292
26 years$1,888$1,422$1,056$775$562$253
27 years$1,799$1,338$981$709$507$220
28 years$1,716$1,261$912$650$457$191
29 years$1,639$1,190$848$596$413$166
30 years$1,567$1,124$790$547$373$144
31 years$1,500$1,062$737$502$337$125
32 years$1,438$1,005$687$461$305$109
33 years$1,379$952$642$424$276$95
34 years$1,324$902$600$390$250$82
35 years$1,272$856$561$359$227$72
36 years$1,223$812$524$331$205$62
37 years$1,177$771$491$305$186$54
38 years$1,133$733$460$281$169$47
39 years$1,092$697$431$259$153$41
40 years$1,053$663$404$239$139$36
41 years$1,016$631$378$221$126$31
42 years$980$601$355$204$114$27
43 years$947$573$333$188$104$24
44 years$915$546$313$173$94$21
45 years$884$521$294$160$85$18
46 years$855$497$276$148$78$16
47 years$828$474$259$137$70$14
48 years$801$453$243$126$64$12
49 years$776$432$229$117$58$10
50 years$752$413$215$108$53$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $770,000, adding $4,559 every year, while hoping to spend $43,351 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: 79/7/14 Blend
51$770,000$770,000$770,000$770,000
52$853,243$812,433$800,498$917,880
53$894,148$806,117$781,189$954,742
54$937,773$798,038$759,781$989,159
55$984,349$788,065$736,157$1,025,690
56$1,034,130$776,058$710,195$1,064,527
57$1,087,394$761,867$681,770$1,105,885
58$1,144,446$745,337$650,747$1,149,996
59$1,205,621$726,299$616,988$1,197,122
60$1,271,285$704,579$580,348$1,247,547
61$1,341,842$679,989$540,676$1,301,587
62$1,417,734$652,333$497,812$1,359,589
63$1,499,446$621,400$451,592$1,421,937
64$1,587,511$586,970$401,842$1,489,054
65$1,682,516$548,810$348,382$1,561,407
66$1,785,102$506,672$291,022$1,639,510
67$1,895,978$460,294$229,567$1,723,932
68$2,015,921$409,401$163,810$1,815,299
69$2,145,784$353,701$93,537$1,914,302
70$2,286,506$292,885$18,523$2,021,705
71$2,439,121$226,627$0$2,138,348
72$2,604,763$154,584$0$2,274,350
73$2,784,681$76,391$0$2,425,095
74$2,980,250$0$0$2,588,980
75$3,192,979$0$0$2,767,933
76$3,424,533$0$0$2,969,147
77$3,676,739$0$0$3,188,330
78$3,951,613$0$0$3,427,233
79$4,251,368$0$0$3,687,786
80$4,578,445$0$0$3,972,111
81$4,935,526$0$0$4,282,545
82$5,325,568$0$0$4,621,659
83$5,751,822$0$0$4,992,285
84$6,217,870$0$0$5,397,540
85$6,727,655$0$0$5,840,857
86$7,285,518$0$0$6,326,014
87$7,896,239$0$0$6,857,173
88$8,565,084$0$0$7,438,916
89$9,297,849$0$0$8,076,289
90$10,100,918$0$0$8,774,851
91$10,981,323$0$0$9,540,722
92$11,946,808$0$0$10,380,643
93$13,005,903$0$0$11,302,039
94$14,168,001$0$0$12,313,088
95$15,443,451$0$0$13,422,799
96$16,843,652$0$0$14,641,094
97$18,381,160$0$0$15,978,905
98$20,069,807$0$0$17,448,271
99$21,924,830$0$0$19,062,457
100$23,963,014$0$0$20,836,076