Can I retire at age 52 with 795,000?

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 $795,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$65,650$65,066$64,495$63,938$63,394$61,737
2 years$32,500$31,895$31,308$30,740$30,188$28,529
3 years$21,452$20,844$20,259$19,695$19,152$17,544
4 years$15,928$15,322$14,743$14,189$13,660$12,115
5 years$12,615$12,013$11,441$10,899$10,384$8,906
6 years$10,407$9,809$9,246$8,716$8,216$6,808
7 years$8,831$8,238$7,684$7,166$6,682$5,342
8 years$7,649$7,061$6,516$6,011$5,543$4,272
9 years$6,730$6,148$5,613$5,120$4,668$3,464
10 years$5,996$5,419$4,893$4,414$3,978$2,839
11 years$5,395$4,825$4,308$3,841$3,421$2,347
12 years$4,895$4,330$3,823$3,369$2,965$1,952
13 years$4,472$3,913$3,416$2,975$2,585$1,633
14 years$4,110$3,557$3,069$2,640$2,266$1,372
15 years$3,796$3,249$2,771$2,355$1,995$1,156
16 years$3,522$2,981$2,512$2,108$1,763$978
17 years$3,281$2,746$2,286$1,894$1,564$829
18 years$3,066$2,537$2,087$1,707$1,390$704
19 years$2,874$2,351$1,910$1,543$1,239$599
20 years$2,702$2,185$1,753$1,397$1,107$510
21 years$2,546$2,035$1,613$1,268$990$435
22 years$2,405$1,900$1,486$1,153$888$372
23 years$2,276$1,777$1,372$1,050$797$318
24 years$2,158$1,665$1,269$958$716$272
25 years$2,050$1,562$1,176$875$645$232
26 years$1,950$1,468$1,090$800$581$199
27 years$1,857$1,382$1,012$732$523$171
28 years$1,772$1,302$941$671$472$146
29 years$1,692$1,228$876$615$427$125
30 years$1,618$1,160$816$564$385$107
31 years$1,549$1,097$761$518$348$92
32 years$1,484$1,038$710$476$315$79
33 years$1,424$983$663$438$285$68
34 years$1,367$931$619$403$258$58
35 years$1,313$883$579$371$234$50
36 years$1,263$838$541$342$212$43
37 years$1,215$796$507$315$192$37
38 years$1,170$757$475$290$174$32
39 years$1,127$720$445$268$158$27
40 years$1,087$685$417$247$143$23
41 years$1,049$652$391$228$130$20
42 years$1,012$621$367$210$118$17
43 years$978$591$344$194$107$15
44 years$945$564$323$179$97$13
45 years$913$538$303$165$88$11
46 years$883$513$285$153$80$9
47 years$855$489$268$141$73$8
48 years$827$467$251$130$66$7
49 years$801$446$236$121$60$6
50 years$776$426$222$111$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $795,000, adding $2,343 every year, while hoping to spend $37,181 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: 27/47/26 Blend
51$795,000$795,000$795,000$795,000
52$878,507$836,372$824,049$895,034
53$928,554$837,794$812,095$909,903
54$982,460$838,039$798,493$922,482
55$1,040,579$837,011$783,151$935,221
56$1,103,301$834,607$765,969$948,160
57$1,171,052$830,717$746,843$961,343
58$1,244,303$825,226$725,667$974,824
59$1,323,571$818,011$702,325$988,666
60$1,409,423$808,941$676,701$1,002,942
61$1,502,483$797,879$648,669$1,017,737
62$1,603,439$784,677$618,102$1,033,147
63$1,713,044$769,181$584,864$1,049,285
64$1,832,131$751,227$548,812$1,066,279
65$1,961,611$730,640$509,800$1,084,276
66$2,102,490$707,236$467,673$1,103,442
67$2,255,874$680,821$422,270$1,123,966
68$2,422,979$651,187$373,422$1,146,064
69$2,605,145$618,117$320,954$1,169,980
70$2,803,845$581,380$264,681$1,195,989
71$3,020,700$540,731$204,412$1,224,402
72$3,257,498$495,913$139,945$1,255,568
73$3,516,202$446,652$71,073$1,289,882
74$3,798,977$392,661$0$1,327,788
75$4,108,205$333,633$0$1,370,455
76$4,446,509$269,248$0$1,438,854
77$4,816,777$199,165$0$1,513,938
78$5,222,189$123,025$0$1,596,475
79$5,666,247$40,448$0$1,687,320
80$6,152,807$0$0$1,787,423
81$6,686,118$0$0$1,923,163
82$7,270,857$0$0$2,095,060
83$7,912,177$0$0$2,283,727
84$8,615,751$0$0$2,490,848
85$9,387,830$0$0$2,718,283
86$10,235,300$0$0$2,968,078
87$11,165,744$0$0$3,242,486
88$12,187,515$0$0$3,543,991
89$13,309,818$0$0$3,875,330
90$14,542,790$0$0$4,239,515
91$15,897,600$0$0$4,639,867
92$17,386,550$0$0$5,080,044
93$19,023,196$0$0$5,564,078
94$20,822,471$0$0$6,096,408
95$22,800,828$0$0$6,681,926
96$24,976,394$0$0$7,326,023
97$27,369,138$0$0$8,034,639
98$30,001,064$0$0$8,814,316
99$32,896,415$0$0$9,672,264
100$36,081,903$0$0$10,616,428