Can I retire at age 52 with 784,000?

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 $784,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$64,742$64,165$63,603$63,053$62,517$60,907
2 years$32,050$31,454$30,875$30,314$29,770$28,159
3 years$21,155$20,555$19,978$19,423$18,887$17,325
4 years$15,708$15,110$14,539$13,993$13,471$11,969
5 years$12,441$11,847$11,283$10,748$10,240$8,804
6 years$10,263$9,674$9,118$8,595$8,103$6,733
7 years$8,709$8,124$7,577$7,067$6,590$5,287
8 years$7,543$6,964$6,426$5,928$5,467$4,230
9 years$6,637$6,063$5,535$5,049$4,604$3,432
10 years$5,913$5,344$4,825$4,353$3,923$2,815
11 years$5,320$4,758$4,248$3,788$3,374$2,328
12 years$4,827$4,270$3,770$3,323$2,924$1,938
13 years$4,410$3,859$3,368$2,933$2,549$1,622
14 years$4,053$3,508$3,027$2,604$2,235$1,363
15 years$3,744$3,204$2,733$2,322$1,968$1,150
16 years$3,473$2,940$2,477$2,079$1,739$973
17 years$3,235$2,708$2,254$1,868$1,542$825
18 years$3,024$2,502$2,058$1,684$1,371$702
19 years$2,835$2,319$1,884$1,521$1,222$597
20 years$2,665$2,155$1,729$1,378$1,092$509
21 years$2,511$2,007$1,590$1,250$977$435
22 years$2,372$1,874$1,466$1,137$876$372
23 years$2,244$1,752$1,353$1,035$786$318
24 years$2,128$1,642$1,252$944$706$272
25 years$2,021$1,541$1,159$862$636$233
26 years$1,923$1,448$1,075$789$573$200
27 years$1,832$1,363$998$722$516$171
28 years$1,747$1,284$928$661$466$147
29 years$1,669$1,211$864$606$421$126
30 years$1,596$1,144$805$557$380$108
31 years$1,528$1,082$750$511$344$93
32 years$1,464$1,023$700$470$311$80
33 years$1,404$969$653$432$281$69
34 years$1,348$919$610$397$255$59
35 years$1,295$871$571$366$231$51
36 years$1,245$827$534$337$209$43
37 years$1,198$785$500$311$189$37
38 years$1,154$746$468$286$172$32
39 years$1,112$710$438$264$156$28
40 years$1,072$675$411$243$141$24
41 years$1,034$643$385$225$128$20
42 years$998$612$361$207$116$18
43 years$964$583$339$191$106$15
44 years$932$556$318$177$96$13
45 years$901$530$299$163$87$11
46 years$871$506$281$151$79$10
47 years$843$483$264$139$72$8
48 years$816$461$248$129$65$7
49 years$790$440$233$119$59$6
50 years$765$420$219$110$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $784,000, adding $5,693 every year, while hoping to spend $32,933 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: 47/33/20 Blend
51$784,000$784,000$784,000$784,000
52$869,840$828,288$816,136$905,533
53$923,524$833,834$808,436$936,563
54$981,579$838,548$799,375$966,469
55$1,044,417$842,354$788,871$998,243
56$1,112,490$845,172$776,841$1,032,073
57$1,186,296$846,917$763,197$1,068,169
58$1,266,380$847,497$747,846$1,106,764
59$1,353,344$846,818$730,691$1,148,116
60$1,447,848$844,775$711,633$1,192,512
61$1,550,620$841,261$690,565$1,240,267
62$1,662,461$836,160$667,376$1,291,736
63$1,784,250$829,351$641,951$1,347,306
64$1,916,957$820,702$614,170$1,407,410
65$2,061,647$810,077$583,905$1,472,527
66$2,219,495$797,330$551,025$1,543,187
67$2,391,790$782,306$515,392$1,619,977
68$2,579,956$764,842$476,861$1,703,546
69$2,785,557$744,766$435,281$1,794,615
70$3,010,317$721,892$390,496$1,893,980
71$3,256,132$696,027$342,340$2,002,523
72$3,525,091$666,966$290,642$2,121,218
73$3,819,495$634,492$235,223$2,251,145
74$4,141,875$598,373$175,894$2,393,498
75$4,495,020$558,368$112,461$2,549,596
76$4,882,003$514,219$44,720$2,720,899
77$5,306,206$465,654$0$2,909,021
78$5,771,354$412,386$0$3,121,631
79$6,281,550$354,111$0$3,365,383
80$6,841,314$290,508$0$3,632,954
81$7,455,623$221,239$0$3,926,804
82$8,129,962$145,945$0$4,249,650
83$8,870,371$64,248$0$4,604,487
84$9,683,502$0$0$4,994,625
85$10,576,686$0$0$5,432,518
86$11,557,997$0$0$5,939,343
87$12,636,329$0$0$6,496,374
88$13,821,484$0$0$7,108,685
89$15,124,256$0$0$7,781,867
90$16,556,540$0$0$8,522,079
91$18,131,439$0$0$9,336,106
92$19,863,391$0$0$10,231,425
93$21,768,303$0$0$11,216,271
94$23,863,699$0$0$12,299,721
95$26,168,889$0$0$13,491,773
96$28,705,148$0$0$14,803,446
97$31,495,916$0$0$16,246,877
98$34,567,023$0$0$17,835,444
99$37,946,926$0$0$19,583,882
100$41,666,982$0$0$21,508,432