Can I retire at age 52 with 795,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12.9%
1 years$65,650$65,066$64,495$63,938$63,394$62,628
2 years$32,500$31,895$31,308$30,740$30,188$29,417
3 years$21,452$20,844$20,259$19,695$19,152$18,400
4 years$15,928$15,322$14,743$14,189$13,660$12,932
5 years$12,615$12,013$11,441$10,899$10,384$9,684
6 years$10,407$9,809$9,246$8,716$8,216$7,544
7 years$8,831$8,238$7,684$7,166$6,682$6,038
8 years$7,649$7,061$6,516$6,011$5,543$4,927
9 years$6,730$6,148$5,613$5,120$4,668$4,080
10 years$5,996$5,419$4,893$4,414$3,978$3,417
11 years$5,395$4,825$4,308$3,841$3,421$2,887
12 years$4,895$4,330$3,823$3,369$2,965$2,457
13 years$4,472$3,913$3,416$2,975$2,585$2,103
14 years$4,110$3,557$3,069$2,640$2,266$1,809
15 years$3,796$3,249$2,771$2,355$1,995$1,562
16 years$3,522$2,981$2,512$2,108$1,763$1,354
17 years$3,281$2,746$2,286$1,894$1,564$1,177
18 years$3,066$2,537$2,087$1,707$1,390$1,025
19 years$2,874$2,351$1,910$1,543$1,239$895
20 years$2,702$2,185$1,753$1,397$1,107$783
21 years$2,546$2,035$1,613$1,268$990$686
22 years$2,405$1,900$1,486$1,153$888$602
23 years$2,276$1,777$1,372$1,050$797$528
24 years$2,158$1,665$1,269$958$716$464
25 years$2,050$1,562$1,176$875$645$409
26 years$1,950$1,468$1,090$800$581$360
27 years$1,857$1,382$1,012$732$523$317
28 years$1,772$1,302$941$671$472$280
29 years$1,692$1,228$876$615$427$247
30 years$1,618$1,160$816$564$385$218
31 years$1,549$1,097$761$518$348$192
32 years$1,484$1,038$710$476$315$170
33 years$1,424$983$663$438$285$150
34 years$1,367$931$619$403$258$133
35 years$1,313$883$579$371$234$117
36 years$1,263$838$541$342$212$104
37 years$1,215$796$507$315$192$92
38 years$1,170$757$475$290$174$81
39 years$1,127$720$445$268$158$72
40 years$1,087$685$417$247$143$64
41 years$1,049$652$391$228$130$56
42 years$1,012$621$367$210$118$50
43 years$978$591$344$194$107$44
44 years$945$564$323$179$97$39
45 years$913$538$303$165$88$35
46 years$883$513$285$153$80$31
47 years$855$489$268$141$73$27
48 years$827$467$251$130$66$24
49 years$801$446$236$121$60$21
50 years$776$426$222$111$54$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $795,000, adding $3,615 every year, while hoping to spend $52,769 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: 56/17/27 Blend
51$795,000$795,000$795,000$795,000
52$879,819$837,684$825,361$922,373
53$913,415$822,585$796,865$936,922
54$948,668$804,977$765,646$946,958
55$985,694$784,682$731,556$956,811
56$1,024,614$761,511$694,443$966,481
57$1,065,563$735,263$654,145$975,971
58$1,108,687$705,728$610,495$985,285
59$1,154,144$672,679$563,318$994,434
60$1,202,108$635,881$512,430$1,003,429
61$1,252,766$595,083$457,640$1,012,291
62$1,306,325$550,019$398,747$1,021,042
63$1,363,009$500,408$335,544$1,029,713
64$1,423,062$445,955$267,811$1,038,342
65$1,486,754$386,346$195,322$1,046,975
66$1,554,376$321,250$117,839$1,055,667
67$1,626,249$250,318$35,113$1,064,485
68$1,702,723$173,180$0$1,073,506
69$1,784,181$89,446$0$1,098,141
70$1,871,042$0$0$1,134,969
71$1,963,767$0$0$1,174,311
72$2,062,859$0$0$1,234,279
73$2,168,870$0$0$1,298,480
74$2,282,406$0$0$1,367,287
75$2,404,130$0$0$1,441,106
76$2,534,772$0$0$1,520,388
77$2,675,129$0$0$1,605,623
78$2,826,079$0$0$1,697,352
79$2,988,587$0$0$1,796,168
80$3,163,709$0$0$1,902,723
81$3,352,607$0$0$2,017,732
82$3,556,558$0$0$2,141,980
83$3,776,965$0$0$2,276,333
84$4,015,369$0$0$2,421,740
85$4,273,465$0$0$2,579,245
86$4,553,115$0$0$2,749,996
87$4,856,367$0$0$2,935,254
88$5,185,475$0$0$3,136,409
89$5,542,915$0$0$3,354,988
90$5,931,412$0$0$3,592,669
91$6,353,964$0$0$3,851,301
92$6,813,869$0$0$4,132,917
93$7,314,757$0$0$4,439,755
94$7,860,620$0$0$4,774,277
95$8,455,853$0$0$5,139,192
96$9,105,294$0$0$5,537,484
97$9,814,266$0$0$5,972,435
98$10,588,631$0$0$6,447,661
99$11,434,840$0$0$6,967,139
100$12,359,997$0$0$7,535,252