Can I retire at age 52 with 789,000?

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 $789,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$65,155$64,575$64,008$63,456$62,916$62,181
2 years$32,255$31,654$31,072$30,508$29,960$29,221
3 years$21,290$20,686$20,106$19,546$19,008$18,287
4 years$15,808$15,207$14,632$14,082$13,557$12,859
5 years$12,520$11,922$11,355$10,816$10,305$9,634
6 years$10,329$9,735$9,176$8,650$8,154$7,509
7 years$8,764$8,176$7,626$7,112$6,632$6,013
8 years$7,591$7,008$6,467$5,966$5,502$4,910
9 years$6,679$6,102$5,570$5,082$4,633$4,068
10 years$5,950$5,378$4,856$4,380$3,948$3,409
11 years$5,354$4,788$4,275$3,812$3,395$2,882
12 years$4,858$4,298$3,794$3,344$2,942$2,454
13 years$4,438$3,884$3,390$2,952$2,566$2,102
14 years$4,079$3,530$3,046$2,621$2,249$1,809
15 years$3,768$3,225$2,750$2,337$1,980$1,564
16 years$3,496$2,959$2,493$2,093$1,750$1,356
17 years$3,256$2,725$2,269$1,880$1,552$1,179
18 years$3,043$2,518$2,071$1,694$1,380$1,028
19 years$2,853$2,334$1,896$1,531$1,230$898
20 years$2,682$2,169$1,740$1,387$1,098$786
21 years$2,527$2,020$1,600$1,258$983$689
22 years$2,387$1,885$1,475$1,144$881$605
23 years$2,259$1,763$1,362$1,042$791$532
24 years$2,142$1,652$1,260$950$711$468
25 years$2,034$1,551$1,167$868$640$412
26 years$1,935$1,457$1,082$794$576$363
27 years$1,843$1,371$1,005$726$520$320
28 years$1,759$1,292$934$666$469$283
29 years$1,680$1,219$869$610$423$250
30 years$1,606$1,151$810$560$382$221
31 years$1,537$1,088$755$514$346$195
32 years$1,473$1,030$704$473$313$172
33 years$1,413$975$658$435$283$152
34 years$1,356$924$614$400$256$135
35 years$1,303$877$574$368$232$119
36 years$1,253$832$537$339$210$106
37 years$1,206$790$503$312$191$93
38 years$1,161$751$471$288$173$83
39 years$1,119$714$441$266$157$73
40 years$1,079$680$414$245$142$65
41 years$1,041$647$388$226$129$57
42 years$1,005$616$364$209$117$51
43 years$970$587$341$193$106$45
44 years$937$560$320$178$96$40
45 years$906$534$301$164$88$35
46 years$877$509$283$152$79$31
47 years$848$486$265$140$72$28
48 years$821$464$249$129$66$25
49 years$795$443$234$120$60$22
50 years$770$423$220$111$54$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $789,000, adding $2,673 every year, while hoping to spend $30,409 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: 34/49/17 Blend
51$789,000$789,000$789,000$789,000
52$872,235$830,418$818,189$897,226
53$928,848$838,754$813,243$924,115
54$990,217$846,479$807,113$950,067
55$1,056,793$853,531$799,725$977,407
56$1,129,076$859,844$791,006$1,006,273
57$1,207,614$865,348$780,877$1,036,821
58$1,293,008$869,968$769,254$1,069,223
59$1,385,923$873,624$756,052$1,103,673
60$1,487,087$876,231$741,180$1,140,383
61$1,597,304$877,701$724,543$1,179,593
62$1,717,456$877,935$706,043$1,221,566
63$1,848,517$876,835$685,575$1,266,597
64$1,991,556$874,290$663,033$1,315,012
65$2,147,752$870,187$638,301$1,367,173
66$2,318,401$864,404$611,262$1,423,484
67$2,504,931$856,813$581,793$1,484,392
68$2,708,913$847,277$549,762$1,550,392
69$2,932,079$835,650$515,036$1,622,035
70$3,176,334$821,780$477,473$1,699,931
71$3,443,776$805,503$436,924$1,784,756
72$3,736,716$786,647$393,236$1,877,262
73$4,057,699$765,031$346,247$1,978,279
74$4,409,527$740,459$295,788$2,088,729
75$4,795,286$712,730$241,685$2,209,632
76$5,218,376$681,625$183,753$2,342,119
77$5,682,542$646,916$121,800$2,487,441
78$6,191,907$608,360$55,626$2,646,984
79$6,751,015$565,703$0$2,822,282
80$7,364,869$518,673$0$3,017,752
81$8,038,981$466,983$0$3,243,497
82$8,779,424$410,332$0$3,491,537
83$9,592,887$348,400$0$3,764,212
84$10,486,738$280,849$0$4,064,111
85$11,469,097$207,322$0$4,394,091
86$12,548,907$127,443$0$4,757,310
87$13,736,022$40,814$0$5,157,254
88$15,041,297$0$0$5,597,774
89$16,476,691$0$0$6,111,694
90$18,055,384$0$0$6,701,252
91$19,791,892$0$0$7,349,880
92$21,702,213$0$0$8,063,567
93$23,803,969$0$0$8,848,917
94$26,116,581$0$0$9,713,203
95$28,661,445$0$0$10,664,440
96$31,462,135$0$0$11,711,458
97$34,544,628$0$0$12,863,988
98$37,937,546$0$0$14,132,752
99$41,672,427$0$0$15,529,564
100$45,784,021$0$0$17,067,441