Can I retire at age 52 with 793,000?

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 $793,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$65,485$64,902$64,333$63,777$63,235$60,750
2 years$32,418$31,815$31,230$30,662$30,112$27,639
3 years$21,398$20,791$20,208$19,646$19,104$16,721
4 years$15,888$15,284$14,706$14,154$13,625$11,350
5 years$12,584$11,983$11,412$10,871$10,358$8,196
6 years$10,381$9,785$9,223$8,694$8,196$6,149
7 years$8,809$8,217$7,664$7,148$6,665$4,733
8 years$7,630$7,044$6,500$5,996$5,530$3,709
9 years$6,713$6,133$5,598$5,107$4,657$2,946
10 years$5,981$5,406$4,881$4,403$3,968$2,363
11 years$5,381$4,812$4,297$3,832$3,412$1,911
12 years$4,883$4,319$3,813$3,361$2,957$1,554
13 years$4,461$3,903$3,407$2,967$2,579$1,270
14 years$4,100$3,548$3,061$2,634$2,260$1,042
15 years$3,787$3,241$2,764$2,349$1,990$858
16 years$3,513$2,974$2,506$2,103$1,759$707
17 years$3,272$2,739$2,280$1,890$1,560$585
18 years$3,058$2,531$2,082$1,703$1,387$484
19 years$2,867$2,345$1,906$1,539$1,236$402
20 years$2,695$2,180$1,749$1,394$1,104$333
21 years$2,540$2,030$1,609$1,265$988$277
22 years$2,399$1,895$1,483$1,150$886$230
23 years$2,270$1,772$1,369$1,047$795$192
24 years$2,153$1,661$1,266$955$715$160
25 years$2,044$1,558$1,173$872$643$133
26 years$1,945$1,465$1,088$798$579$111
27 years$1,853$1,378$1,010$730$522$92
28 years$1,767$1,299$939$669$471$77
29 years$1,688$1,225$874$613$425$64
30 years$1,614$1,157$814$563$384$54
31 years$1,545$1,094$759$517$348$45
32 years$1,481$1,035$708$475$314$37
33 years$1,420$980$661$437$285$31
34 years$1,363$929$617$402$258$26
35 years$1,310$881$577$370$233$22
36 years$1,259$836$540$341$211$18
37 years$1,212$794$505$314$192$15
38 years$1,167$755$473$289$174$13
39 years$1,124$718$443$267$158$10
40 years$1,084$683$416$246$143$9
41 years$1,046$650$390$227$130$7
42 years$1,010$619$366$210$118$6
43 years$975$590$343$194$107$5
44 years$942$562$322$179$97$4
45 years$911$536$302$165$88$4
46 years$881$512$284$152$80$3
47 years$852$488$267$141$73$2
48 years$825$466$251$130$66$2
49 years$799$445$236$120$60$2
50 years$774$425$222$111$54$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $793,000, adding $2,370 every year, while hoping to spend $23,123 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: 81/12/7 Blend
51$793,000$793,000$793,000$793,000
52$876,331$834,302$822,010$946,498
53$941,114$850,580$824,945$1,009,044
54$1,011,730$866,880$827,203$1,074,362
55$1,088,749$883,181$828,737$1,145,347
56$1,172,800$899,455$829,498$1,222,551
57$1,264,573$915,676$829,434$1,306,584
58$1,364,830$931,814$828,491$1,398,118
59$1,474,408$947,839$826,610$1,497,893
60$1,594,230$963,715$823,734$1,606,724
61$1,725,310$979,406$819,798$1,725,507
62$1,868,768$994,873$814,737$1,855,231
63$2,025,833$1,010,073$808,482$1,996,985
64$2,197,863$1,024,961$800,961$2,151,968
65$2,386,349$1,039,489$792,098$2,321,501
66$2,592,937$1,053,604$781,813$2,507,040
67$2,819,437$1,067,250$770,024$2,710,189
68$3,067,844$1,080,370$756,644$2,932,714
69$3,340,353$1,092,898$741,581$3,176,561
70$3,639,386$1,104,767$724,741$3,443,875
71$3,967,608$1,115,904$706,024$3,737,019
72$4,327,953$1,126,233$685,325$4,058,597
73$4,723,657$1,135,671$662,536$4,411,476
74$5,158,282$1,144,130$637,542$4,798,818
75$5,635,751$1,151,517$610,225$5,224,106
76$6,160,390$1,157,734$580,459$5,691,177
77$6,736,960$1,162,673$548,115$6,204,260
78$7,370,708$1,166,223$513,056$6,768,016
79$8,067,417$1,168,263$475,139$7,387,578
80$8,833,454$1,168,669$434,217$8,068,606
81$9,675,836$1,167,303$390,133$8,817,335
82$10,602,294$1,164,024$342,725$9,640,635
83$11,621,346$1,158,679$291,824$10,546,079
84$12,742,376$1,151,107$237,253$11,542,011
85$13,975,724$1,141,138$178,827$12,637,624
86$15,332,783$1,128,589$116,353$13,843,053
87$16,826,106$1,113,268$49,630$15,169,463
88$18,469,523$1,094,972$0$16,629,159
89$20,278,273$1,073,485$0$18,237,313
90$22,269,150$1,048,578$0$20,011,317
91$24,460,654$1,020,010$0$21,963,947
92$26,873,173$987,523$0$24,113,367
93$29,529,172$950,846$0$26,479,595
94$32,453,402$909,693$0$29,084,691
95$35,673,141$863,759$0$31,952,963
96$39,218,441$812,723$0$35,111,198
97$43,122,422$756,246$0$38,588,914
98$47,421,575$693,968$0$42,418,640
99$52,156,112$625,510$0$46,636,224
100$57,370,345$550,469$0$51,281,166