Can I retire at age 52 with 781,000?

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 $781,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$64,494$63,920$63,359$62,812$62,278$61,963
2 years$31,928$31,333$30,757$30,198$29,656$29,339
3 years$21,074$20,477$19,902$19,348$18,815$18,505
4 years$15,648$15,052$14,483$13,939$13,419$13,118
5 years$12,393$11,801$11,240$10,707$10,201$9,910
6 years$10,224$9,637$9,083$8,562$8,072$7,791
7 years$8,675$8,093$7,548$7,040$6,564$6,295
8 years$7,514$6,937$6,402$5,905$5,446$5,187
9 years$6,612$6,040$5,514$5,030$4,586$4,338
10 years$5,890$5,324$4,807$4,336$3,908$3,670
11 years$5,300$4,740$4,232$3,774$3,361$3,133
12 years$4,809$4,254$3,756$3,310$2,912$2,695
13 years$4,393$3,844$3,356$2,922$2,540$2,333
14 years$4,037$3,494$3,015$2,594$2,226$2,029
15 years$3,729$3,192$2,722$2,313$1,960$1,772
16 years$3,460$2,929$2,468$2,071$1,732$1,554
17 years$3,223$2,697$2,246$1,861$1,536$1,367
18 years$3,012$2,492$2,050$1,677$1,366$1,205
19 years$2,824$2,310$1,877$1,516$1,217$1,065
20 years$2,654$2,147$1,722$1,373$1,087$943
21 years$2,501$1,999$1,584$1,246$973$837
22 years$2,363$1,866$1,460$1,133$872$743
23 years$2,236$1,746$1,348$1,032$783$661
24 years$2,120$1,636$1,247$941$704$589
25 years$2,014$1,535$1,155$859$633$525
26 years$1,915$1,443$1,071$786$570$469
27 years$1,825$1,358$995$719$514$419
28 years$1,741$1,279$925$659$464$374
29 years$1,663$1,207$860$604$419$335
30 years$1,590$1,140$801$554$379$300
31 years$1,522$1,077$747$509$342$268
32 years$1,458$1,019$697$468$310$240
33 years$1,399$965$651$430$280$215
34 years$1,343$915$608$396$254$193
35 years$1,290$868$569$365$230$173
36 years$1,240$824$532$336$208$155
37 years$1,194$782$498$309$189$139
38 years$1,149$744$466$285$171$125
39 years$1,107$707$437$263$155$112
40 years$1,068$673$409$242$141$101
41 years$1,030$640$384$224$128$91
42 years$994$610$360$206$116$81
43 years$960$581$338$191$105$73
44 years$928$554$317$176$95$66
45 years$897$528$298$163$87$59
46 years$868$504$280$150$79$53
47 years$840$481$263$139$71$48
48 years$813$459$247$128$65$43
49 years$787$438$232$118$59$38
50 years$763$419$218$109$54$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $781,000, adding $6,796 every year, while hoping to spend $31,277 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: 50/34/16 Blend
51$781,000$781,000$781,000$781,000
52$867,672$826,279$814,174$906,908
53$922,896$833,488$808,170$941,857
54$982,705$840,002$800,917$976,012
55$1,047,533$845,754$792,340$1,012,444
56$1,117,858$850,673$782,359$1,051,378
57$1,194,205$854,682$770,895$1,093,064
58$1,277,153$857,701$757,859$1,137,776
59$1,367,338$859,644$743,163$1,185,820
60$1,465,459$860,419$726,711$1,237,533
61$1,572,286$859,929$708,406$1,293,289
62$1,688,666$858,073$688,144$1,353,499
63$1,815,531$854,739$665,818$1,418,622
64$1,953,907$849,813$641,314$1,489,163
65$2,104,922$843,171$614,515$1,565,679
66$2,269,821$834,682$585,298$1,648,790
67$2,449,970$824,209$553,533$1,739,179
68$2,646,875$811,604$519,085$1,837,600
69$2,862,197$796,712$481,814$1,944,890
70$3,097,759$779,369$441,573$2,061,970
71$3,355,572$759,400$398,207$2,189,862
72$3,637,850$736,621$351,557$2,329,693
73$3,947,031$710,836$301,455$2,482,708
74$4,285,800$681,838$247,725$2,650,284
75$4,657,112$649,408$190,184$2,833,943
76$5,064,223$613,316$128,642$3,035,364
77$5,510,722$573,315$62,898$3,256,402
78$6,000,556$529,148$0$3,499,109
79$6,538,077$480,541$0$3,766,988
80$7,128,077$427,204$0$4,072,838
81$7,775,836$368,832$0$4,408,710
82$8,487,168$305,101$0$4,777,693
83$9,268,479$235,671$0$5,183,194
84$10,126,825$160,181$0$5,628,974
85$11,069,982$78,250$0$6,119,178
86$12,106,512$0$0$6,658,383
87$13,245,851$0$0$7,255,573
88$14,498,393$0$0$7,944,373
89$15,875,592$0$0$8,701,816
90$17,390,062$0$0$9,534,851
91$19,055,707$0$0$10,451,139
92$20,887,840$0$0$11,459,115
93$22,903,338$0$0$12,568,076
94$25,120,792$0$0$13,788,266
95$27,560,687$0$0$15,130,970
96$30,245,595$0$0$16,608,623
97$33,200,387$0$0$18,234,926
98$36,452,463$0$0$20,024,978
99$40,032,019$0$0$21,995,413
100$43,972,324$0$0$24,164,561