Can I retire at age 52 with 794,000?

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 $794,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$65,568$64,984$64,414$63,858$63,315$60,899
2 years$32,459$31,855$31,269$30,701$30,150$27,744
3 years$21,425$20,817$20,233$19,670$19,128$16,809
4 years$15,908$15,303$14,724$14,171$13,642$11,427
5 years$12,599$11,998$11,427$10,885$10,371$8,264
6 years$10,394$9,797$9,235$8,705$8,206$6,211
7 years$8,820$8,228$7,674$7,157$6,674$4,788
8 years$7,639$7,053$6,508$6,004$5,536$3,760
9 years$6,722$6,141$5,605$5,114$4,663$2,992
10 years$5,988$5,413$4,887$4,408$3,973$2,405
11 years$5,388$4,818$4,302$3,836$3,417$1,948
12 years$4,889$4,325$3,818$3,365$2,961$1,588
13 years$4,466$3,908$3,411$2,971$2,582$1,300
14 years$4,105$3,553$3,065$2,637$2,263$1,069
15 years$3,791$3,245$2,767$2,352$1,993$881
16 years$3,518$2,978$2,509$2,106$1,761$729
17 years$3,276$2,742$2,283$1,892$1,562$604
18 years$3,062$2,534$2,084$1,705$1,389$501
19 years$2,871$2,348$1,908$1,541$1,238$417
20 years$2,699$2,182$1,751$1,395$1,105$347
21 years$2,543$2,033$1,611$1,266$989$289
22 years$2,402$1,897$1,484$1,151$887$241
23 years$2,273$1,775$1,371$1,049$796$201
24 years$2,155$1,663$1,268$956$715$167
25 years$2,047$1,560$1,174$873$644$140
26 years$1,947$1,467$1,089$799$580$117
27 years$1,855$1,380$1,011$731$523$98
28 years$1,770$1,301$940$670$472$82
29 years$1,690$1,227$875$614$426$68
30 years$1,616$1,159$815$564$385$57
31 years$1,547$1,095$760$518$348$48
32 years$1,483$1,036$709$476$315$40
33 years$1,422$981$662$438$285$33
34 years$1,365$930$618$403$258$28
35 years$1,312$882$578$371$234$23
36 years$1,261$837$541$341$212$20
37 years$1,213$795$506$314$192$16
38 years$1,168$756$474$290$174$14
39 years$1,126$719$444$267$158$11
40 years$1,086$684$416$247$143$10
41 years$1,047$651$390$227$130$8
42 years$1,011$620$366$210$118$7
43 years$976$591$344$194$107$6
44 years$943$563$322$179$97$5
45 years$912$537$303$165$88$4
46 years$882$512$284$153$80$3
47 years$854$489$267$141$73$3
48 years$826$467$251$130$66$2
49 years$800$446$236$120$60$2
50 years$775$426$222$111$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $794,000, adding $5,464 every year, while hoping to spend $26,416 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: 79/8/13 Blend
51$794,000$794,000$794,000$794,000
52$880,624$838,542$826,235$947,532
53$942,341$851,524$825,808$1,005,292
54$1,009,468$864,257$824,480$1,064,701
55$1,082,529$876,701$822,195$1,129,124
56$1,162,100$888,812$818,892$1,199,053
57$1,248,816$900,545$814,506$1,275,028
58$1,343,374$911,851$808,971$1,357,643
59$1,446,543$922,677$802,217$1,447,553
60$1,559,169$932,967$794,170$1,545,480
61$1,682,183$942,661$784,753$1,652,219
62$1,816,610$951,695$773,886$1,768,648
63$1,963,578$960,002$761,485$1,895,730
64$2,124,329$967,508$747,461$2,034,530
65$2,300,232$974,137$731,722$2,186,219
66$2,492,792$979,806$714,171$2,352,090
67$2,703,668$984,428$694,708$2,533,565
68$2,934,687$987,910$673,225$2,732,213
69$3,187,860$990,153$649,613$2,949,761
70$3,465,402$991,051$623,756$3,188,115
71$3,769,754$990,493$595,533$3,449,372
72$4,103,602$988,361$564,816$3,735,845
73$4,469,907$984,528$531,475$4,050,084
74$4,871,929$978,861$495,371$4,394,896
75$5,313,259$971,218$456,359$4,773,377
76$5,797,853$961,449$414,288$5,188,938
77$6,330,069$949,395$369,002$5,645,339
78$6,914,707$934,887$320,334$6,146,722
79$7,557,055$917,745$268,114$6,697,654
80$8,262,941$897,780$212,162$7,303,167
81$9,038,781$874,791$152,289$7,968,807
82$9,891,647$848,566$88,301$8,700,684
83$10,829,329$818,880$19,993$9,505,536
84$11,860,409$785,494$0$10,390,785
85$12,994,345$748,157$0$11,371,952
86$14,241,553$706,601$0$12,454,150
87$15,613,512$660,546$0$13,644,574
88$17,122,870$609,693$0$14,954,207
89$18,783,562$553,726$0$16,395,156
90$20,610,939$492,313$0$17,980,758
91$22,621,920$425,102$0$19,725,710
92$24,835,144$351,720$0$21,646,210
93$27,271,149$271,774$0$23,760,103
94$29,952,566$184,851$0$26,087,057
95$32,904,329$90,510$0$28,648,742
96$36,153,916$0$0$31,469,040
97$39,731,600$0$0$34,575,298
98$43,670,743$0$0$38,004,189
99$48,008,104$0$0$41,779,746
100$52,784,188$0$0$45,937,232