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%15.2%
1 years$65,733$65,147$64,576$64,019$63,474$62,116
2 years$32,541$31,935$31,348$30,778$30,226$28,865
3 years$21,479$20,870$20,284$19,720$19,176$17,854
4 years$15,948$15,342$14,762$14,207$13,677$12,404
5 years$12,631$12,028$11,456$10,912$10,397$9,176
6 years$10,420$9,822$9,258$8,727$8,227$7,060
7 years$8,842$8,248$7,693$7,175$6,691$5,578
8 years$7,659$7,070$6,525$6,019$5,550$4,492
9 years$6,739$6,156$5,620$5,127$4,674$3,669
10 years$6,003$5,426$4,899$4,419$3,983$3,030
11 years$5,402$4,831$4,313$3,846$3,425$2,523
12 years$4,901$4,336$3,828$3,373$2,968$2,116
13 years$4,478$3,918$3,420$2,978$2,588$1,784
14 years$4,115$3,562$3,073$2,644$2,269$1,511
15 years$3,801$3,254$2,774$2,358$1,998$1,284
16 years$3,527$2,985$2,515$2,111$1,766$1,095
17 years$3,285$2,749$2,289$1,897$1,566$936
18 years$3,070$2,540$2,089$1,709$1,392$802
19 years$2,878$2,354$1,913$1,545$1,241$689
20 years$2,705$2,188$1,755$1,399$1,108$592
21 years$2,549$2,038$1,615$1,270$992$510
22 years$2,408$1,902$1,488$1,154$889$439
23 years$2,279$1,779$1,374$1,051$798$379
24 years$2,161$1,667$1,271$959$717$327
25 years$2,052$1,564$1,177$876$645$283
26 years$1,952$1,470$1,092$801$581$245
27 years$1,860$1,384$1,014$733$524$212
28 years$1,774$1,304$942$671$473$183
29 years$1,694$1,230$877$616$427$159
30 years$1,620$1,162$817$565$386$137
31 years$1,551$1,098$761$519$349$119
32 years$1,486$1,039$710$477$316$103
33 years$1,426$984$663$439$286$89
34 years$1,368$933$620$404$259$77
35 years$1,315$885$579$372$234$67
36 years$1,264$840$542$342$212$58
37 years$1,217$797$507$315$192$51
38 years$1,171$758$475$291$174$44
39 years$1,129$721$445$268$158$38
40 years$1,088$686$417$247$143$33
41 years$1,050$653$391$228$130$29
42 years$1,013$622$367$210$118$25
43 years$979$592$344$194$107$22
44 years$946$564$323$179$97$19
45 years$914$538$304$166$88$16
46 years$884$513$285$153$80$14
47 years$856$490$268$141$73$12
48 years$828$468$252$131$66$11
49 years$802$447$237$121$60$9
50 years$777$427$222$112$55$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $796,000, adding $4,467 every year, while hoping to spend $59,105 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: 61/27/12 Blend
51$796,000$796,000$796,000$796,000
52$881,800$839,612$827,274$932,799
53$908,856$817,865$792,100$945,829
54$936,691$793,073$753,767$952,922
55$965,322$765,022$712,107$959,219
56$994,766$733,488$666,943$964,647
57$1,025,038$698,236$618,092$969,126
58$1,056,156$659,014$565,363$972,574
59$1,088,135$615,556$508,553$974,901
60$1,120,989$567,583$447,454$976,011
61$1,154,734$514,798$381,847$975,803
62$1,189,381$456,888$311,504$974,170
63$1,224,944$393,521$236,185$970,995
64$1,261,433$324,348$155,642$966,158
65$1,298,857$249,000$69,614$959,527
66$1,337,225$167,085$0$950,963
67$1,376,542$78,191$0$943,160
68$1,416,810$0$0$942,816
69$1,458,032$0$0$946,261
70$1,500,205$0$0$973,544
71$1,543,323$0$0$1,001,429
72$1,587,377$0$0$1,029,908
73$1,632,354$0$0$1,058,972
74$1,678,234$0$0$1,088,606
75$1,724,996$0$0$1,118,795
76$1,772,607$0$0$1,149,515
77$1,821,033$0$0$1,180,743
78$1,870,227$0$0$1,212,446
79$1,920,139$0$0$1,244,587
80$1,970,704$0$0$1,277,124
81$2,021,851$0$0$1,310,006
82$2,073,493$0$0$1,343,173
83$2,125,534$0$0$1,376,560
84$2,177,860$0$0$1,410,088
85$2,230,342$0$0$1,443,670
86$2,282,834$0$0$1,477,204
87$2,335,166$0$0$1,510,576
88$2,387,151$0$0$1,543,657
89$2,438,572$0$0$1,576,301
90$2,489,188$0$0$1,608,343
91$2,538,726$0$0$1,639,598
92$2,586,880$0$0$1,669,858
93$2,633,306$0$0$1,698,890
94$2,677,617$0$0$1,726,432
95$2,719,384$0$0$1,752,192
96$2,758,123$0$0$1,775,845
97$2,793,297$0$0$1,797,025
98$2,824,304$0$0$1,815,327
99$2,850,476$0$0$1,830,299
100$2,871,067$0$0$1,841,436