Can I retire at age 52 with 790,000?

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 $790,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$65,237$64,656$64,089$63,536$62,996$61,225
2 years$32,296$31,694$31,111$30,546$29,998$28,227
3 years$21,317$20,713$20,131$19,571$19,032$17,317
4 years$15,828$15,226$14,650$14,100$13,574$11,927
5 years$12,536$11,937$11,369$10,830$10,319$8,746
6 years$10,342$9,748$9,188$8,661$8,165$6,667
7 years$8,775$8,186$7,635$7,121$6,640$5,217
8 years$7,601$7,017$6,475$5,973$5,509$4,160
9 years$6,688$6,110$5,577$5,088$4,639$3,363
10 years$5,958$5,385$4,862$4,386$3,953$2,748
11 years$5,361$4,794$4,281$3,817$3,399$2,263
12 years$4,864$4,303$3,799$3,348$2,946$1,877
13 years$4,444$3,889$3,394$2,956$2,569$1,565
14 years$4,084$3,535$3,050$2,624$2,252$1,310
15 years$3,772$3,229$2,753$2,340$1,983$1,100
16 years$3,500$2,963$2,496$2,095$1,752$927
17 years$3,260$2,728$2,272$1,883$1,554$783
18 years$3,047$2,521$2,074$1,697$1,382$662
19 years$2,856$2,337$1,898$1,533$1,231$561
20 years$2,685$2,171$1,742$1,388$1,100$477
21 years$2,530$2,022$1,603$1,260$984$405
22 years$2,390$1,888$1,477$1,146$882$344
23 years$2,262$1,766$1,364$1,043$792$293
24 years$2,144$1,654$1,261$952$712$250
25 years$2,037$1,553$1,168$869$641$213
26 years$1,938$1,459$1,083$795$577$182
27 years$1,846$1,373$1,006$727$520$155
28 years$1,761$1,294$935$666$469$132
29 years$1,682$1,221$870$611$424$113
30 years$1,608$1,153$811$561$383$96
31 years$1,539$1,090$756$515$346$82
32 years$1,475$1,031$705$473$313$70
33 years$1,415$977$658$435$283$60
34 years$1,358$926$615$401$257$51
35 years$1,305$878$575$369$232$44
36 years$1,255$833$538$340$211$38
37 years$1,207$791$504$313$191$32
38 years$1,163$752$472$288$173$27
39 years$1,120$715$442$266$157$23
40 years$1,080$680$414$245$142$20
41 years$1,042$648$388$226$129$17
42 years$1,006$617$364$209$117$15
43 years$971$588$342$193$106$13
44 years$939$560$321$178$97$11
45 years$907$534$301$164$88$9
46 years$878$510$283$152$80$8
47 years$849$486$266$140$72$7
48 years$822$464$250$130$66$6
49 years$796$443$235$120$60$5
50 years$771$424$221$111$54$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $790,000, adding $2,427 every year, while hoping to spend $51,438 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: 46/49/5 Blend
51$790,000$790,000$790,000$790,000
52$873,083$831,213$818,968$911,974
53$907,408$817,213$791,674$924,923
54$943,510$800,803$761,742$933,367
55$981,517$781,811$729,028$941,309
56$1,021,565$760,053$693,384$948,718
57$1,063,806$735,337$654,654$955,563
58$1,108,405$707,459$612,675$961,814
59$1,155,539$676,201$567,277$967,440
60$1,205,404$641,335$518,281$972,415
61$1,258,213$602,619$465,502$976,713
62$1,314,200$559,796$408,745$980,310
63$1,373,618$512,596$347,807$983,185
64$1,436,746$460,732$282,478$985,323
65$1,503,888$403,902$212,535$986,709
66$1,575,378$341,786$137,748$987,337
67$1,651,579$274,046$57,875$987,206
68$1,732,891$200,326$0$986,321
69$1,819,752$120,248$0$986,159
70$1,912,641$33,414$0$988,672
71$2,012,084$0$0$990,821
72$2,118,657$0$0$1,025,343
73$2,232,993$0$0$1,081,770
74$2,355,786$0$0$1,142,435
75$2,487,797$0$0$1,207,724
76$2,629,862$0$0$1,278,057
77$2,782,899$0$0$1,353,900
78$2,947,918$0$0$1,435,762
79$3,126,024$0$0$1,524,202
80$3,318,437$0$0$1,619,836
81$3,526,492$0$0$1,723,339
82$3,751,661$0$0$1,835,456
83$3,995,559$0$0$1,957,003
84$4,259,964$0$0$2,088,880
85$4,546,828$0$0$2,232,074
86$4,858,302$0$0$2,387,673
87$5,196,749$0$0$2,556,873
88$5,564,769$0$0$2,740,990
89$5,965,222$0$0$2,941,470
90$6,401,256$0$0$3,159,908
91$6,876,334$0$0$3,398,057
92$7,394,268$0$0$3,657,846
93$7,959,253$0$0$3,941,398
94$8,575,905$0$0$4,251,053
95$9,249,307$0$0$4,589,382
96$9,985,054$0$0$4,959,220
97$10,789,305$0$0$5,363,685
98$11,668,842$0$0$5,806,212
99$12,631,131$0$0$6,290,584
100$13,684,393$0$0$6,820,963