Can I retire at age 52 with 771,000?

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 $771,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$63,668$63,101$62,548$62,008$61,481$59,441
2 years$31,519$30,932$30,363$29,812$29,276$27,242
3 years$20,804$20,214$19,647$19,101$18,574$16,608
4 years$15,447$14,860$14,298$13,761$13,247$11,364
5 years$12,234$11,650$11,096$10,570$10,070$8,276
6 years$10,093$9,513$8,967$8,453$7,968$6,264
7 years$8,564$7,989$7,452$6,949$6,480$4,866
8 years$7,418$6,848$6,320$5,830$5,376$3,850
9 years$6,527$5,963$5,443$4,966$4,527$3,088
10 years$5,815$5,256$4,745$4,280$3,858$2,502
11 years$5,232$4,679$4,178$3,725$3,318$2,044
12 years$4,747$4,200$3,708$3,268$2,875$1,681
13 years$4,337$3,795$3,313$2,885$2,507$1,389
14 years$3,986$3,450$2,976$2,561$2,198$1,152
15 years$3,682$3,151$2,687$2,284$1,935$959
16 years$3,416$2,891$2,436$2,045$1,710$800
17 years$3,182$2,663$2,217$1,837$1,516$669
18 years$2,973$2,461$2,024$1,656$1,348$561
19 years$2,788$2,280$1,853$1,496$1,202$471
20 years$2,620$2,119$1,700$1,355$1,073$396
21 years$2,469$1,974$1,564$1,230$961$333
22 years$2,332$1,842$1,441$1,118$861$280
23 years$2,207$1,723$1,331$1,018$773$236
24 years$2,093$1,615$1,231$929$695$199
25 years$1,988$1,515$1,140$848$625$168
26 years$1,891$1,424$1,057$776$563$142
27 years$1,801$1,340$982$710$508$120
28 years$1,718$1,263$913$650$458$101
29 years$1,641$1,191$849$596$414$85
30 years$1,569$1,125$791$547$374$72
31 years$1,502$1,064$738$503$338$61
32 years$1,440$1,006$688$462$306$52
33 years$1,381$953$643$425$277$44
34 years$1,325$903$600$391$250$37
35 years$1,274$857$561$360$227$31
36 years$1,225$813$525$331$206$26
37 years$1,178$772$491$305$186$22
38 years$1,135$734$460$281$169$19
39 years$1,093$698$431$260$153$16
40 years$1,054$664$404$239$139$13
41 years$1,017$632$379$221$126$11
42 years$982$602$355$204$114$10
43 years$948$574$334$188$104$8
44 years$916$547$313$174$94$7
45 years$886$521$294$160$86$6
46 years$857$497$276$148$78$5
47 years$829$475$259$137$71$4
48 years$802$453$244$127$64$4
49 years$777$433$229$117$58$3
50 years$753$413$215$108$53$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $771,000, adding $3,512 every year, while hoping to spend $47,561 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: 77/16/7 Blend
51$771,000$771,000$771,000$771,000
52$853,265$812,402$800,451$917,970
53$889,693$801,605$776,662$950,159
54$928,243$788,685$750,481$978,949
55$969,081$773,488$721,780$1,009,121
56$1,012,389$755,850$690,420$1,040,790
57$1,058,364$735,598$656,261$1,074,087
58$1,107,224$712,549$619,153$1,109,154
59$1,159,207$686,510$578,940$1,146,148
60$1,214,571$657,274$535,460$1,185,246
61$1,273,602$624,626$488,543$1,226,638
62$1,336,612$588,334$438,011$1,270,538
63$1,403,941$548,158$383,680$1,317,183
64$1,475,964$503,839$325,354$1,366,832
65$1,553,092$455,106$262,832$1,419,774
66$1,635,773$401,672$195,903$1,476,328
67$1,724,503$343,235$124,347$1,536,845
68$1,819,822$279,473$47,932$1,601,716
69$1,922,325$210,049$0$1,671,370
70$2,032,666$134,605$0$1,748,795
71$2,151,561$52,763$0$1,835,990
72$2,279,797$0$0$1,929,972
73$2,418,239$0$0$2,037,721
74$2,567,839$0$0$2,164,213
75$2,729,641$0$0$2,301,045
76$2,904,792$0$0$2,449,191
77$3,094,556$0$0$2,609,720
78$3,300,320$0$0$2,783,811
79$3,523,611$0$0$2,972,758
80$3,766,108$0$0$3,177,986
81$4,029,656$0$0$3,401,059
82$4,316,288$0$0$3,643,702
83$4,628,237$0$0$3,907,810
84$4,967,964$0$0$4,195,470
85$5,338,174$0$0$4,508,976
86$5,741,844$0$0$4,850,855
87$6,182,253$0$0$5,223,888
88$6,663,008$0$0$5,631,135
89$7,188,080$0$0$6,075,965
90$7,761,842$0$0$6,562,087
91$8,389,105$0$0$7,093,584
92$9,075,168$0$0$7,674,952
93$9,825,867$0$0$8,311,141
94$10,647,626$0$0$9,007,601
95$11,547,520$0$0$9,770,336
96$12,533,338$0$0$10,605,954
97$13,613,661$0$0$11,521,735
98$14,797,937$0$0$12,525,695
99$16,096,573$0$0$13,626,665
100$17,521,032$0$0$14,834,370