Can I retire at age 52 with 778,000?

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 $778,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$64,247$63,674$63,116$62,571$62,039$60,416
2 years$31,805$31,213$30,639$30,082$29,542$27,919
3 years$20,993$20,398$19,825$19,274$18,743$17,169
4 years$15,588$14,995$14,428$13,886$13,368$11,856
5 years$12,346$11,756$11,197$10,666$10,162$8,716
6 years$10,185$9,600$9,048$8,529$8,041$6,662
7 years$8,642$8,062$7,519$7,012$6,539$5,228
8 years$7,485$6,910$6,377$5,883$5,425$4,181
9 years$6,586$6,017$5,492$5,011$4,569$3,390
10 years$5,867$5,303$4,788$4,319$3,893$2,779
11 years$5,280$4,721$4,216$3,759$3,348$2,296
12 years$4,790$4,238$3,741$3,297$2,901$1,910
13 years$4,376$3,830$3,343$2,911$2,530$1,598
14 years$4,022$3,481$3,003$2,584$2,218$1,342
15 years$3,715$3,180$2,712$2,304$1,953$1,132
16 years$3,447$2,918$2,458$2,063$1,726$957
17 years$3,210$2,687$2,237$1,854$1,530$811
18 years$3,000$2,483$2,042$1,671$1,361$689
19 years$2,813$2,301$1,870$1,510$1,213$586
20 years$2,644$2,138$1,716$1,367$1,083$499
21 years$2,492$1,992$1,578$1,241$969$426
22 years$2,353$1,859$1,455$1,128$869$364
23 years$2,227$1,739$1,343$1,028$780$311
24 years$2,112$1,629$1,242$937$701$266
25 years$2,006$1,529$1,150$856$631$228
26 years$1,908$1,437$1,067$783$568$195
27 years$1,818$1,352$991$716$512$167
28 years$1,734$1,274$921$656$462$143
29 years$1,656$1,202$857$602$417$123
30 years$1,584$1,135$798$552$377$105
31 years$1,516$1,073$744$507$341$90
32 years$1,453$1,016$694$466$308$77
33 years$1,393$962$648$429$279$66
34 years$1,338$911$606$394$253$57
35 years$1,285$865$566$363$229$49
36 years$1,236$821$530$334$207$42
37 years$1,189$779$496$308$188$36
38 years$1,145$741$464$284$170$31
39 years$1,103$704$435$262$155$27
40 years$1,064$670$408$242$140$23
41 years$1,026$638$382$223$127$20
42 years$991$607$359$206$115$17
43 years$957$579$337$190$105$14
44 years$924$552$316$175$95$12
45 years$894$526$297$162$86$11
46 years$864$502$279$150$78$9
47 years$836$479$262$138$71$8
48 years$810$457$246$128$65$7
49 years$784$437$231$118$59$6
50 years$760$417$217$109$53$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $778,000, adding $6,282 every year, while hoping to spend $46,586 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$778,000$778,000$778,000$778,000
52$863,836$822,602$810,543$906,618
53$902,380$813,342$788,129$927,369
54$943,294$802,067$763,403$944,531
55$986,771$788,630$736,238$962,266
56$1,033,022$772,872$706,501$980,642
57$1,082,276$754,629$674,055$999,738
58$1,134,786$733,724$638,754$1,019,641
59$1,190,830$709,972$600,448$1,040,452
60$1,250,709$683,175$558,977$1,062,284
61$1,314,756$653,125$514,178$1,085,263
62$1,383,334$619,602$465,876$1,109,533
63$1,456,844$582,372$413,892$1,135,255
64$1,535,722$541,188$358,038$1,162,609
65$1,620,450$495,791$298,117$1,191,797
66$1,711,555$445,903$233,922$1,223,048
67$1,809,615$391,235$165,241$1,256,615
68$1,915,268$331,477$91,848$1,292,783
69$2,029,211$266,305$13,511$1,331,870
70$2,152,211$195,375$0$1,374,231
71$2,285,113$118,324$0$1,439,707
72$2,428,841$34,769$0$1,514,560
73$2,584,415$0$0$1,595,605
74$2,752,955$0$0$1,693,888
75$2,935,690$0$0$1,807,558
76$3,133,976$0$0$1,930,960
77$3,349,300$0$0$2,065,029
78$3,583,301$0$0$2,210,792
79$3,837,780$0$0$2,369,380
80$4,114,718$0$0$2,542,035
81$4,416,297$0$0$2,730,128
82$4,744,916$0$0$2,935,163
83$5,103,216$0$0$3,158,798
84$5,494,104$0$0$3,402,858
85$5,920,778$0$0$3,669,351
86$6,386,761$0$0$3,960,487
87$6,895,929$0$0$4,278,700
88$7,452,551$0$0$4,626,670
89$8,061,325$0$0$5,007,346
90$8,727,426$0$0$5,423,977
91$9,456,549$0$0$5,880,140
92$10,254,970$0$0$6,379,773
93$11,129,595$0$0$6,927,214
94$12,088,034$0$0$7,527,241
95$13,138,666$0$0$8,185,113
96$14,290,717$0$0$8,906,627
97$15,554,353$0$0$9,698,164
98$16,940,769$0$0$10,566,755
99$18,462,294$0$0$11,520,141
100$20,132,513$0$0$12,566,855