Can I retire at age 52 with 791,000?

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 $791,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$65,320$64,738$64,171$63,616$63,075$60,910
2 years$32,337$31,734$31,151$30,585$30,036$27,877
3 years$21,344$20,739$20,157$19,596$19,056$16,970
4 years$15,848$15,245$14,669$14,118$13,591$11,595
5 years$12,552$11,952$11,384$10,844$10,332$8,430
6 years$10,355$9,760$9,200$8,672$8,175$6,370
7 years$8,786$8,196$7,645$7,130$6,648$4,940
8 years$7,610$7,026$6,484$5,981$5,516$3,902
9 years$6,696$6,117$5,584$5,094$4,645$3,124
10 years$5,965$5,392$4,868$4,391$3,958$2,527
11 years$5,368$4,800$4,286$3,822$3,404$2,060
12 years$4,870$4,308$3,804$3,352$2,950$1,690
13 years$4,449$3,894$3,398$2,960$2,572$1,394
14 years$4,089$3,539$3,054$2,627$2,255$1,154
15 years$3,777$3,233$2,757$2,343$1,985$958
16 years$3,504$2,966$2,500$2,098$1,755$798
17 years$3,264$2,732$2,275$1,885$1,556$666
18 years$3,051$2,524$2,076$1,699$1,383$557
19 years$2,860$2,340$1,901$1,535$1,233$466
20 years$2,688$2,174$1,744$1,390$1,101$391
21 years$2,533$2,025$1,605$1,262$986$328
22 years$2,393$1,890$1,479$1,147$883$276
23 years$2,265$1,768$1,365$1,045$793$232
24 years$2,147$1,656$1,263$953$713$195
25 years$2,039$1,554$1,170$870$641$164
26 years$1,940$1,461$1,085$796$578$138
27 years$1,848$1,375$1,007$728$521$116
28 years$1,763$1,296$936$667$470$98
29 years$1,684$1,222$871$612$424$83
30 years$1,610$1,154$812$562$383$70
31 years$1,541$1,091$757$516$347$59
32 years$1,477$1,032$706$474$314$50
33 years$1,417$978$659$436$284$42
34 years$1,360$927$616$401$257$35
35 years$1,307$879$576$369$233$30
36 years$1,256$834$539$340$211$25
37 years$1,209$792$504$313$191$21
38 years$1,164$753$472$289$173$18
39 years$1,122$716$442$266$157$15
40 years$1,081$681$415$246$143$13
41 years$1,043$649$389$227$129$11
42 years$1,007$618$365$209$117$9
43 years$973$588$342$193$106$8
44 years$940$561$321$178$97$6
45 years$909$535$302$165$88$5
46 years$879$510$283$152$80$5
47 years$850$487$266$140$72$4
48 years$823$465$250$130$66$3
49 years$797$444$235$120$60$3
50 years$772$424$221$111$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $791,000, adding $3,753 every year, while hoping to spend $50,993 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: 88/5/7 Blend
51$791,000$791,000$791,000$791,000
52$875,553$833,630$821,370$951,856
53$910,603$820,222$794,629$988,705
54$947,520$804,448$765,284$1,021,716
55$986,439$786,137$733,193$1,056,343
56$1,027,509$765,112$698,209$1,092,709
57$1,070,893$741,180$660,176$1,130,952
58$1,116,766$714,140$618,935$1,171,220
59$1,165,324$683,781$574,317$1,213,677
60$1,216,775$649,874$526,145$1,258,504
61$1,271,352$612,183$474,236$1,305,898
62$1,329,304$570,455$418,397$1,356,077
63$1,390,909$524,423$358,429$1,409,280
64$1,456,466$473,804$294,121$1,465,768
65$1,526,307$418,302$225,255$1,525,830
66$1,600,791$357,600$151,603$1,589,785
67$1,680,316$291,366$72,925$1,657,980
68$1,765,313$219,248$0$1,730,801
69$1,856,259$140,875$0$1,809,494
70$1,953,674$55,854$0$1,899,566
71$2,058,129$0$0$1,996,097
72$2,170,253$0$0$2,101,667
73$2,290,732$0$0$2,218,409
74$2,420,322$0$0$2,343,985
75$2,559,852$0$0$2,479,196
76$2,710,233$0$0$2,624,928
77$2,872,465$0$0$2,782,148
78$3,047,647$0$0$2,951,924
79$3,236,987$0$0$3,135,426
80$3,441,812$0$0$3,333,941
81$3,663,580$0$0$3,548,883
82$3,903,895$0$0$3,781,808
83$4,164,522$0$0$4,034,427
84$4,447,399$0$0$4,308,618
85$4,754,659$0$0$4,606,452
86$5,088,650$0$0$4,930,203
87$5,451,951$0$0$5,282,374
88$5,847,403$0$0$5,665,720
89$6,278,131$0$0$6,083,269
90$6,747,573$0$0$6,538,358
91$7,259,515$0$0$7,034,655
92$7,818,120$0$0$7,576,201
93$8,427,975$0$0$8,167,440
94$9,094,125$0$0$8,813,267
95$9,822,128$0$0$9,519,071
96$10,618,099$0$0$10,290,782
97$11,488,774$0$0$11,134,931
98$12,441,568$0$0$12,058,711
99$13,484,647$0$0$13,070,038
100$14,627,002$0$0$14,177,633