Can I retire at age 52 with 787,000?

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 $787,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$64,990$64,411$63,846$63,295$62,756$61,239
2 years$32,173$31,574$30,993$30,430$29,884$28,365
3 years$21,236$20,634$20,055$19,497$18,960$17,486
4 years$15,768$15,168$14,595$14,046$13,522$12,105
5 years$12,488$11,892$11,326$10,789$10,279$8,922
6 years$10,303$9,711$9,153$8,628$8,134$6,839
7 years$8,742$8,155$7,606$7,094$6,615$5,382
8 years$7,572$6,990$6,451$5,951$5,488$4,316
9 years$6,662$6,086$5,556$5,069$4,621$3,511
10 years$5,935$5,365$4,844$4,369$3,938$2,886
11 years$5,341$4,776$4,264$3,803$3,387$2,393
12 years$4,846$4,287$3,785$3,335$2,935$1,997
13 years$4,427$3,874$3,381$2,945$2,559$1,676
14 years$4,068$3,521$3,038$2,614$2,243$1,413
15 years$3,758$3,217$2,743$2,331$1,975$1,195
16 years$3,487$2,951$2,487$2,087$1,746$1,014
17 years$3,248$2,718$2,263$1,875$1,548$863
18 years$3,035$2,512$2,066$1,690$1,376$735
19 years$2,845$2,328$1,891$1,527$1,227$628
20 years$2,675$2,163$1,736$1,383$1,096$537
21 years$2,521$2,015$1,596$1,255$981$460
22 years$2,381$1,881$1,471$1,141$879$394
23 years$2,253$1,759$1,359$1,039$789$338
24 years$2,136$1,648$1,256$948$709$291
25 years$2,029$1,547$1,164$866$638$250
26 years$1,930$1,454$1,079$792$575$215
27 years$1,839$1,368$1,002$725$518$185
28 years$1,754$1,289$932$664$468$159
29 years$1,675$1,216$867$609$422$137
30 years$1,602$1,148$808$559$382$118
31 years$1,534$1,086$753$513$345$101
32 years$1,469$1,027$702$472$312$87
33 years$1,409$973$656$434$282$75
34 years$1,353$922$613$399$256$65
35 years$1,300$875$573$367$232$56
36 years$1,250$830$536$338$210$48
37 years$1,203$788$502$312$190$42
38 years$1,158$749$470$287$172$36
39 years$1,116$712$440$265$156$31
40 years$1,076$678$413$244$142$27
41 years$1,038$645$387$225$129$23
42 years$1,002$614$363$208$117$20
43 years$968$585$340$192$106$17
44 years$935$558$320$177$96$15
45 years$904$532$300$164$87$13
46 years$874$508$282$151$79$11
47 years$846$484$265$140$72$9
48 years$819$463$249$129$65$8
49 years$793$442$234$119$59$7
50 years$768$422$220$110$54$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $787,000, adding $4,832 every year, while hoping to spend $29,509 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: 54/30/16 Blend
51$787,000$787,000$787,000$787,000
52$872,258$830,547$818,349$915,384
53$929,831$839,847$814,366$954,646
54$992,288$848,613$809,261$993,802
55$1,060,094$856,788$802,965$1,035,761
56$1,133,765$864,312$795,405$1,080,797
57$1,213,865$871,119$786,507$1,129,216
58$1,301,015$877,140$776,191$1,181,350
59$1,395,900$882,301$764,374$1,237,571
60$1,499,272$886,524$750,971$1,298,287
61$1,611,958$889,724$735,889$1,363,951
62$1,734,872$891,814$719,035$1,435,060
63$1,869,015$892,699$700,309$1,512,166
64$2,015,491$892,279$679,607$1,595,877
65$2,175,518$890,447$656,820$1,686,865
66$2,350,432$887,090$631,835$1,785,873
67$2,541,707$882,089$604,532$1,893,720
68$2,750,966$875,315$574,789$2,011,310
69$2,979,994$866,636$542,474$2,139,643
70$3,230,759$855,906$507,452$2,279,823
71$3,505,425$842,975$469,581$2,433,065
72$3,806,380$827,681$428,713$2,600,717
73$4,136,249$809,856$384,693$2,784,260
74$4,497,925$789,318$337,359$2,985,334
75$4,894,596$765,877$286,543$3,205,748
76$5,329,770$739,330$232,068$3,447,496
77$5,807,314$709,465$173,749$3,712,782
78$6,331,485$676,054$111,395$4,004,037
79$6,906,974$638,858$44,804$4,323,944
80$7,538,948$597,625$0$4,675,462
81$8,233,098$552,086$0$5,066,343
82$8,995,695$501,959$0$5,504,162
83$9,833,646$446,944$0$5,985,277
84$10,754,559$386,726$0$6,514,117
85$11,766,820$320,971$0$7,095,567
86$12,879,662$249,326$0$7,735,009
87$14,103,262$171,417$0$8,438,383
88$15,448,831$86,853$0$9,212,235
89$16,928,719$0$0$10,063,785
90$18,556,535$0$0$11,002,571
91$20,347,272$0$0$12,066,941
92$22,317,451$0$0$13,238,054
93$24,485,273$0$0$14,526,739
94$26,870,793$0$0$15,944,930
95$29,496,109$0$0$17,505,774
96$32,385,569$0$0$19,223,761
97$35,566,001$0$0$21,114,852
98$39,066,965$0$0$23,196,639
99$42,921,035$0$0$25,488,502
100$47,164,101$0$0$28,011,797