Can I retire at age 52 with 773,000?

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 $773,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$63,834$63,265$62,710$62,169$61,640$60,694
2 years$31,601$31,012$30,442$29,889$29,352$28,401
3 years$20,858$20,267$19,698$19,150$18,622$17,696
4 years$15,488$14,898$14,335$13,797$13,282$12,387
5 years$12,266$11,680$11,125$10,597$10,096$9,237
6 years$10,119$9,538$8,990$8,475$7,989$7,165
7 years$8,586$8,010$7,471$6,967$6,497$5,709
8 years$7,437$6,866$6,336$5,845$5,390$4,637
9 years$6,544$5,978$5,457$4,978$4,539$3,822
10 years$5,830$5,269$4,758$4,291$3,868$3,185
11 years$5,246$4,691$4,189$3,735$3,326$2,678
12 years$4,759$4,210$3,717$3,276$2,882$2,267
13 years$4,348$3,805$3,321$2,892$2,514$1,930
14 years$3,996$3,459$2,984$2,567$2,203$1,652
15 years$3,691$3,160$2,694$2,290$1,940$1,419
16 years$3,425$2,899$2,443$2,050$1,715$1,223
17 years$3,190$2,670$2,223$1,842$1,520$1,057
18 years$2,981$2,467$2,029$1,660$1,352$915
19 years$2,795$2,286$1,858$1,500$1,205$794
20 years$2,627$2,125$1,705$1,359$1,076$691
21 years$2,476$1,979$1,568$1,233$963$601
22 years$2,338$1,847$1,445$1,121$863$524
23 years$2,213$1,728$1,334$1,021$775$458
24 years$2,098$1,619$1,234$931$697$400
25 years$1,993$1,519$1,143$850$627$350
26 years$1,896$1,428$1,060$778$565$306
27 years$1,806$1,344$984$712$509$268
28 years$1,723$1,266$915$652$459$235
29 years$1,646$1,194$852$598$415$206
30 years$1,573$1,128$793$549$375$180
31 years$1,506$1,066$739$504$339$158
32 years$1,443$1,009$690$463$306$139
33 years$1,384$956$644$426$277$122
34 years$1,329$906$602$392$251$107
35 years$1,277$859$563$361$227$94
36 years$1,228$815$526$332$206$83
37 years$1,181$774$493$306$187$73
38 years$1,138$736$461$282$169$64
39 years$1,096$700$432$260$154$56
40 years$1,057$666$405$240$139$49
41 years$1,020$634$380$221$126$43
42 years$984$604$356$204$115$38
43 years$950$575$334$189$104$33
44 years$918$548$314$174$94$29
45 years$888$523$295$161$86$26
46 years$859$499$277$149$78$23
47 years$831$476$260$137$71$20
48 years$804$454$244$127$64$18
49 years$779$434$230$117$58$15
50 years$755$414$216$108$53$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $773,000, adding $4,183 every year, while hoping to spend $57,003 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: 57/17/26 Blend
51$773,000$773,000$773,000$773,000
52$856,161$815,192$803,210$898,668
53$882,838$794,485$769,467$907,550
54$910,327$770,854$732,683$910,862
55$938,648$744,094$692,696$913,282
56$967,825$713,990$649,337$914,743
57$997,882$680,314$602,428$915,170
58$1,028,842$642,825$551,785$914,486
59$1,060,729$601,268$497,214$912,609
60$1,093,566$555,374$438,515$909,451
61$1,127,380$504,857$375,475$904,921
62$1,162,194$449,416$307,874$898,921
63$1,198,033$388,733$235,484$891,350
64$1,234,923$322,471$158,063$882,097
65$1,272,888$250,276$75,361$871,050
66$1,311,954$171,770$0$858,085
67$1,352,146$86,559$0$846,653
68$1,393,487$0$0$855,584
69$1,436,004$0$0$864,967
70$1,479,719$0$0$891,259
71$1,524,656$0$0$918,282
72$1,570,837$0$0$946,049
73$1,618,286$0$0$974,573
74$1,667,021$0$0$1,003,864
75$1,717,064$0$0$1,033,935
76$1,768,430$0$0$1,064,795
77$1,821,138$0$0$1,096,453
78$1,875,199$0$0$1,128,916
79$1,930,627$0$0$1,162,190
80$1,987,429$0$0$1,196,278
81$2,045,611$0$0$1,231,183
82$2,105,175$0$0$1,266,905
83$2,166,119$0$0$1,303,439
84$2,228,434$0$0$1,340,781
85$2,292,108$0$0$1,378,919
86$2,357,123$0$0$1,417,841
87$2,423,453$0$0$1,457,528
88$2,491,065$0$0$1,497,959
89$2,559,916$0$0$1,539,103
90$2,629,955$0$0$1,580,928
91$2,701,120$0$0$1,623,391
92$2,773,335$0$0$1,666,443
93$2,846,511$0$0$1,710,027
94$2,920,546$0$0$1,754,075
95$2,995,319$0$0$1,798,509
96$3,070,691$0$0$1,843,240
97$3,146,500$0$0$1,888,163
98$3,222,564$0$0$1,933,161
99$3,298,673$0$0$1,978,099
100$3,374,588$0$0$2,022,826