Can I retire at age 52 with 796,000?

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 $796,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$65,733$65,147$64,576$64,019$63,474$62,733
2 years$32,541$31,935$31,348$30,778$30,226$29,480
3 years$21,479$20,870$20,284$19,720$19,176$18,449
4 years$15,948$15,342$14,762$14,207$13,677$12,973
5 years$12,631$12,028$11,456$10,912$10,397$9,719
6 years$10,420$9,822$9,258$8,727$8,227$7,576
7 years$8,842$8,248$7,693$7,175$6,691$6,067
8 years$7,659$7,070$6,525$6,019$5,550$4,954
9 years$6,739$6,156$5,620$5,127$4,674$4,104
10 years$6,003$5,426$4,899$4,419$3,983$3,439
11 years$5,402$4,831$4,313$3,846$3,425$2,907
12 years$4,901$4,336$3,828$3,373$2,968$2,476
13 years$4,478$3,918$3,420$2,978$2,588$2,121
14 years$4,115$3,562$3,073$2,644$2,269$1,825
15 years$3,801$3,254$2,774$2,358$1,998$1,577
16 years$3,527$2,985$2,515$2,111$1,766$1,368
17 years$3,285$2,749$2,289$1,897$1,566$1,190
18 years$3,070$2,540$2,089$1,709$1,392$1,037
19 years$2,878$2,354$1,913$1,545$1,241$906
20 years$2,705$2,188$1,755$1,399$1,108$793
21 years$2,549$2,038$1,615$1,270$992$695
22 years$2,408$1,902$1,488$1,154$889$611
23 years$2,279$1,779$1,374$1,051$798$537
24 years$2,161$1,667$1,271$959$717$472
25 years$2,052$1,564$1,177$876$645$416
26 years$1,952$1,470$1,092$801$581$366
27 years$1,860$1,384$1,014$733$524$323
28 years$1,774$1,304$942$671$473$285
29 years$1,694$1,230$877$616$427$252
30 years$1,620$1,162$817$565$386$222
31 years$1,551$1,098$761$519$349$197
32 years$1,486$1,039$710$477$316$174
33 years$1,426$984$663$439$286$154
34 years$1,368$933$620$404$259$136
35 years$1,315$885$579$372$234$120
36 years$1,264$840$542$342$212$106
37 years$1,217$797$507$315$192$94
38 years$1,171$758$475$291$174$83
39 years$1,129$721$445$268$158$74
40 years$1,088$686$417$247$143$65
41 years$1,050$653$391$228$130$58
42 years$1,013$622$367$210$118$51
43 years$979$592$344$194$107$45
44 years$946$564$323$179$97$40
45 years$914$538$304$166$88$36
46 years$884$513$285$153$80$32
47 years$856$490$268$141$73$28
48 years$828$468$252$131$66$25
49 years$802$447$237$121$60$22
50 years$777$427$222$112$55$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $796,000, adding $5,826 every year, while hoping to spend $28,581 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: 36/36/28 Blend
51$796,000$796,000$796,000$796,000
52$883,202$841,014$828,676$907,403
53$942,878$851,813$826,026$936,711
54$1,007,684$862,184$822,330$965,329
55$1,078,112$872,075$817,522$995,676
56$1,154,704$881,432$811,534$1,027,927
57$1,238,057$890,195$804,294$1,062,276
58$1,328,828$898,304$795,727$1,098,939
59$1,427,739$905,691$785,754$1,138,154
60$1,535,585$912,287$774,294$1,180,187
61$1,653,241$918,016$761,259$1,225,330
62$1,781,670$922,797$746,560$1,273,911
63$1,921,933$926,547$730,102$1,326,291
64$2,075,197$929,174$711,787$1,382,868
65$2,242,746$930,582$691,511$1,444,089
66$2,425,995$930,670$669,165$1,510,443
67$2,626,502$929,328$644,638$1,582,475
68$2,845,982$926,442$617,810$1,660,787
69$3,086,323$921,889$588,558$1,746,049
70$3,349,606$915,539$556,752$1,838,997
71$3,638,121$907,256$522,259$1,940,450
72$3,954,390$896,892$484,935$2,051,313
73$4,301,192$884,294$444,635$2,172,586
74$4,681,587$869,297$401,203$2,305,378
75$5,098,944$851,729$354,479$2,450,914
76$5,556,977$831,404$304,295$2,610,548
77$6,059,774$808,128$250,474$2,785,778
78$6,611,840$781,696$192,834$2,978,260
79$7,218,137$751,888$131,183$3,189,826
80$7,884,131$718,474$65,322$3,422,498
81$8,615,843$681,210$0$3,678,514
82$9,419,907$639,837$0$3,961,827
83$10,303,631$594,082$0$4,294,607
84$11,275,065$543,657$0$4,660,404
85$12,343,081$488,255$0$5,062,620
86$13,517,450$427,554$0$5,505,009
87$14,808,939$361,213$0$5,991,714
88$16,229,410$288,872$0$6,527,304
89$17,791,932$210,150$0$7,116,820
90$19,510,907$124,644$0$7,765,821
91$21,402,199$31,931$0$8,480,441
92$23,483,290$0$0$9,267,446
93$25,773,441$0$0$10,161,408
94$28,293,876$0$0$11,159,317
95$31,067,979$0$0$12,257,798
96$34,121,516$0$0$13,467,072
97$37,482,879$0$0$14,798,399
98$41,183,352$0$0$16,264,188
99$45,257,405$0$0$17,878,113
100$49,743,023$0$0$19,655,241