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%14.3%
1 years$65,568$64,984$64,414$63,858$63,315$62,189
2 years$32,459$31,855$31,269$30,701$30,150$29,020
3 years$21,425$20,817$20,233$19,670$19,128$18,029
4 years$15,908$15,303$14,724$14,171$13,642$12,582
5 years$12,599$11,998$11,427$10,885$10,371$9,352
6 years$10,394$9,797$9,235$8,705$8,206$7,231
7 years$8,820$8,228$7,674$7,157$6,674$5,742
8 years$7,639$7,053$6,508$6,004$5,536$4,648
9 years$6,722$6,141$5,605$5,114$4,663$3,817
10 years$5,988$5,413$4,887$4,408$3,973$3,169
11 years$5,388$4,818$4,302$3,836$3,417$2,654
12 years$4,889$4,325$3,818$3,365$2,961$2,239
13 years$4,466$3,908$3,411$2,971$2,582$1,899
14 years$4,105$3,553$3,065$2,637$2,263$1,618
15 years$3,791$3,245$2,767$2,352$1,993$1,384
16 years$3,518$2,978$2,509$2,106$1,761$1,188
17 years$3,276$2,742$2,283$1,892$1,562$1,022
18 years$3,062$2,534$2,084$1,705$1,389$882
19 years$2,871$2,348$1,908$1,541$1,238$762
20 years$2,699$2,182$1,751$1,395$1,105$659
21 years$2,543$2,033$1,611$1,266$989$572
22 years$2,402$1,897$1,484$1,151$887$496
23 years$2,273$1,775$1,371$1,049$796$431
24 years$2,155$1,663$1,268$956$715$375
25 years$2,047$1,560$1,174$873$644$326
26 years$1,947$1,467$1,089$799$580$284
27 years$1,855$1,380$1,011$731$523$248
28 years$1,770$1,301$940$670$472$216
29 years$1,690$1,227$875$614$426$188
30 years$1,616$1,159$815$564$385$164
31 years$1,547$1,095$760$518$348$143
32 years$1,483$1,036$709$476$315$125
33 years$1,422$981$662$438$285$109
34 years$1,365$930$618$403$258$96
35 years$1,312$882$578$371$234$83
36 years$1,261$837$541$341$212$73
37 years$1,213$795$506$314$192$64
38 years$1,168$756$474$290$174$56
39 years$1,126$719$444$267$158$49
40 years$1,086$684$416$247$143$43
41 years$1,047$651$390$227$130$37
42 years$1,011$620$366$210$118$33
43 years$976$591$344$194$107$28
44 years$943$563$322$179$97$25
45 years$912$537$303$165$88$22
46 years$882$512$284$153$80$19
47 years$854$489$267$141$73$17
48 years$826$467$251$130$66$15
49 years$800$446$236$120$60$13
50 years$775$426$222$111$54$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $794,000, adding $5,166 every year, while hoping to spend $36,779 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: 62/31/7 Blend
51$794,000$794,000$794,000$794,000
52$880,317$838,235$825,928$933,374
53$930,976$840,176$814,464$971,380
54$985,571$840,979$801,383$1,008,096
55$1,044,462$840,550$786,593$1,047,226
56$1,108,049$838,789$769,995$1,089,004
57$1,176,769$835,588$751,489$1,133,685
58$1,251,103$830,836$730,967$1,181,556
59$1,331,579$824,410$708,318$1,232,929
60$1,418,779$816,186$683,426$1,288,152
61$1,513,342$806,026$656,168$1,347,609
62$1,615,971$793,789$626,418$1,411,725
63$1,727,438$779,323$594,041$1,480,969
64$1,848,594$762,467$558,899$1,555,860
65$1,980,374$743,051$520,845$1,636,970
66$2,123,807$720,896$479,728$1,724,935
67$2,280,026$695,810$435,389$1,820,453
68$2,450,276$667,592$387,662$1,924,299
69$2,635,928$636,028$336,373$2,037,328
70$2,838,493$600,894$281,342$2,160,485
71$3,059,630$561,949$222,378$2,294,814
72$3,301,169$518,941$159,284$2,441,467
73$3,565,124$471,604$91,855$2,601,719
74$3,853,709$419,656$19,875$2,776,977
75$4,169,366$362,797$0$2,968,794
76$4,514,781$300,714$0$3,183,141
77$4,892,913$233,073$0$3,419,521
78$5,307,019$159,523$0$3,678,559
79$5,760,688$79,692$0$3,962,586
80$6,257,870$0$0$4,274,174
81$6,802,916$0$0$4,618,485
82$7,400,620$0$0$5,025,929
83$8,056,260$0$0$5,472,929
84$8,775,649$0$0$5,963,454
85$9,565,192$0$0$6,501,880
86$10,431,943$0$0$7,093,026
87$11,383,672$0$0$7,742,199
88$12,428,939$0$0$8,455,246
89$13,577,174$0$0$9,238,610
90$14,838,763$0$0$10,099,386
91$16,225,151$0$0$11,045,392
92$17,748,946$0$0$12,085,240
93$19,424,035$0$0$13,228,419
94$21,265,722$0$0$14,485,383
95$23,290,864$0$0$15,867,649
96$25,518,036$0$0$17,387,905
97$27,967,701$0$0$19,060,133
98$30,662,408$0$0$20,899,736
99$33,626,998$0$0$22,923,686
100$36,888,842$0$0$25,150,682