Can I retire at age 52 with 796,000?

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 $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%18.4%
1 years$65,733$65,147$64,576$64,019$63,474$61,320
2 years$32,541$31,935$31,348$30,778$30,226$28,077
3 years$21,479$20,870$20,284$19,720$19,176$17,100
4 years$15,948$15,342$14,762$14,207$13,677$11,690
5 years$12,631$12,028$11,456$10,912$10,397$8,504
6 years$10,420$9,822$9,258$8,727$8,227$6,429
7 years$8,842$8,248$7,693$7,175$6,691$4,988
8 years$7,659$7,070$6,525$6,019$5,550$3,942
9 years$6,739$6,156$5,620$5,127$4,674$3,158
10 years$6,003$5,426$4,899$4,419$3,983$2,556
11 years$5,402$4,831$4,313$3,846$3,425$2,085
12 years$4,901$4,336$3,828$3,373$2,968$1,712
13 years$4,478$3,918$3,420$2,978$2,588$1,413
14 years$4,115$3,562$3,073$2,644$2,269$1,170
15 years$3,801$3,254$2,774$2,358$1,998$973
16 years$3,527$2,985$2,515$2,111$1,766$811
17 years$3,285$2,749$2,289$1,897$1,566$677
18 years$3,070$2,540$2,089$1,709$1,392$567
19 years$2,878$2,354$1,913$1,545$1,241$475
20 years$2,705$2,188$1,755$1,399$1,108$399
21 years$2,549$2,038$1,615$1,270$992$335
22 years$2,408$1,902$1,488$1,154$889$281
23 years$2,279$1,779$1,374$1,051$798$237
24 years$2,161$1,667$1,271$959$717$199
25 years$2,052$1,564$1,177$876$645$168
26 years$1,952$1,470$1,092$801$581$141
27 years$1,860$1,384$1,014$733$524$119
28 years$1,774$1,304$942$671$473$101
29 years$1,694$1,230$877$616$427$85
30 years$1,620$1,162$817$565$386$72
31 years$1,551$1,098$761$519$349$60
32 years$1,486$1,039$710$477$316$51
33 years$1,426$984$663$439$286$43
34 years$1,368$933$620$404$259$36
35 years$1,315$885$579$372$234$31
36 years$1,264$840$542$342$212$26
37 years$1,217$797$507$315$192$22
38 years$1,171$758$475$291$174$18
39 years$1,129$721$445$268$158$16
40 years$1,088$686$417$247$143$13
41 years$1,050$653$391$228$130$11
42 years$1,013$622$367$210$118$9
43 years$979$592$344$194$107$8
44 years$946$564$323$179$97$7
45 years$914$538$304$166$88$6
46 years$884$513$285$153$80$5
47 years$856$490$268$141$73$4
48 years$828$468$252$131$66$3
49 years$802$447$237$121$60$3
50 years$777$427$222$112$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $796,000, adding $4,396 every year, while hoping to spend $30,863 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: 55/29/16 Blend
51$796,000$796,000$796,000$796,000
52$881,726$839,538$827,200$926,253
53$938,825$847,838$822,074$965,365
54$1,000,712$855,510$815,741$1,004,240
55$1,067,846$862,490$808,129$1,045,875
56$1,140,726$868,712$799,161$1,090,541
57$1,219,905$874,104$788,758$1,138,537
58$1,305,989$878,589$776,835$1,190,194
59$1,399,645$882,085$763,305$1,245,877
60$1,501,609$884,508$748,075$1,305,990
61$1,612,688$885,763$731,051$1,370,979
62$1,733,771$885,754$712,130$1,441,337
63$1,865,837$884,378$691,208$1,517,607
64$2,009,964$881,524$668,174$1,600,392
65$2,167,336$877,074$642,914$1,690,355
66$2,339,260$870,906$615,307$1,788,230
67$2,527,172$862,888$585,227$1,894,827
68$2,732,654$852,880$552,543$2,011,041
69$2,957,448$840,734$517,116$2,137,860
70$3,203,472$826,295$478,804$2,276,376
71$3,472,837$809,395$437,455$2,427,793
72$3,767,871$789,859$392,914$2,593,441
73$4,091,133$767,502$345,016$2,774,790
74$4,445,445$742,125$293,590$2,973,460
75$4,833,912$713,521$238,458$3,191,242
76$5,259,956$681,469$179,431$3,430,111
77$5,727,346$645,736$116,317$3,692,249
78$6,240,233$606,074$48,910$3,980,062
79$6,803,188$562,223$0$4,296,208
80$7,421,247$513,906$0$4,647,549
81$8,099,959$460,832$0$5,042,556
82$8,845,434$402,692$0$5,476,480
83$9,664,405$339,160$0$5,953,304
84$10,564,288$269,893$0$6,477,416
85$11,553,254$194,526$0$7,053,658
86$12,640,304$112,676$0$7,687,369
87$13,835,354$23,936$0$8,384,435
88$15,149,330$0$0$9,151,349
89$16,594,269$0$0$10,018,281
90$18,183,433$0$0$10,980,229
91$19,931,432$0$0$12,038,408
92$21,854,367$0$0$13,202,574
93$23,969,973$0$0$14,483,477
94$26,297,794$0$0$15,892,961
95$28,859,364$0$0$17,444,076
96$31,678,409$0$0$19,151,200
97$34,781,072$0$0$21,030,178
98$38,196,157$0$0$23,098,466
99$41,955,404$0$0$25,375,300
100$46,093,787$0$0$27,881,877