Can I retire at age 52 with 797,000?

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 $797,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$65,816$65,229$64,657$64,099$63,554$61,544
2 years$32,582$31,975$31,387$30,817$30,264$28,257
3 years$21,506$20,896$20,309$19,745$19,201$17,260
4 years$15,968$15,361$14,780$14,225$13,694$11,835
5 years$12,647$12,043$11,470$10,926$10,410$8,637
6 years$10,433$9,834$9,269$8,738$8,237$6,551
7 years$8,853$8,259$7,703$7,184$6,699$5,100
8 years$7,668$7,079$6,533$6,026$5,557$4,045
9 years$6,747$6,164$5,627$5,133$4,680$3,252
10 years$6,011$5,433$4,905$4,425$3,988$2,642
11 years$5,409$4,837$4,319$3,851$3,430$2,164
12 years$4,907$4,341$3,833$3,378$2,972$1,784
13 years$4,483$3,923$3,424$2,982$2,592$1,478
14 years$4,120$3,566$3,077$2,647$2,272$1,230
15 years$3,806$3,258$2,778$2,361$2,000$1,026
16 years$3,531$2,989$2,519$2,114$1,768$859
17 years$3,289$2,753$2,292$1,899$1,568$721
18 years$3,074$2,544$2,092$1,712$1,394$606
19 years$2,882$2,357$1,915$1,547$1,242$510
20 years$2,709$2,191$1,758$1,401$1,110$430
21 years$2,553$2,040$1,617$1,271$993$363
22 years$2,411$1,905$1,490$1,156$890$306
23 years$2,282$1,781$1,376$1,053$799$259
24 years$2,163$1,669$1,272$960$718$219
25 years$2,055$1,566$1,178$877$646$185
26 years$1,955$1,472$1,093$802$582$157
27 years$1,862$1,385$1,015$734$525$133
28 years$1,776$1,305$944$672$474$113
29 years$1,697$1,232$878$617$428$96
30 years$1,622$1,163$818$566$386$81
31 years$1,553$1,099$762$520$349$69
32 years$1,488$1,040$711$478$316$58
33 years$1,427$985$664$439$286$49
34 years$1,370$934$621$404$259$42
35 years$1,316$886$580$372$234$36
36 years$1,266$841$543$343$212$30
37 years$1,218$798$508$316$193$26
38 years$1,173$759$476$291$175$22
39 years$1,130$721$446$268$158$18
40 years$1,090$686$418$247$144$16
41 years$1,051$653$392$228$130$13
42 years$1,015$622$367$211$118$11
43 years$980$593$345$194$107$10
44 years$947$565$324$180$97$8
45 years$915$539$304$166$88$7
46 years$885$514$285$153$80$6
47 years$857$491$268$142$73$5
48 years$829$468$252$131$66$4
49 years$803$447$237$121$60$4
50 years$778$427$223$112$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $797,000, adding $4,325 every year, while hoping to spend $54,027 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: 49/24/27 Blend
51$797,000$797,000$797,000$797,000
52$882,755$840,514$828,161$919,056
53$915,312$824,215$798,420$928,619
54$949,379$805,307$765,872$933,299
55$985,052$783,604$730,366$937,323
56$1,022,438$758,911$691,743$940,653
57$1,061,650$731,021$649,840$943,253
58$1,102,812$699,714$604,483$945,086
59$1,146,057$664,759$555,492$946,116
60$1,191,533$625,910$502,679$946,309
61$1,239,397$582,907$445,846$945,628
62$1,289,823$535,477$384,789$944,043
63$1,342,998$483,328$319,293$941,521
64$1,399,128$426,156$249,134$938,033
65$1,458,437$363,635$174,077$933,554
66$1,521,167$295,423$93,879$928,062
67$1,587,587$221,159$8,284$921,537
68$1,657,985$140,461$0$913,967
69$1,732,681$52,925$0$929,274
70$1,812,022$0$0$947,630
71$1,896,388$0$0$977,798
72$1,986,195$0$0$1,024,836
73$2,081,897$0$0$1,075,012
74$2,183,994$0$0$1,128,593
75$2,293,033$0$0$1,185,874
76$2,409,610$0$0$1,247,176
77$2,534,383$0$0$1,312,851
78$2,668,072$0$0$1,383,286
79$2,811,464$0$0$1,458,907
80$2,965,427$0$0$1,540,178
81$3,130,911$0$0$1,627,611
82$3,308,959$0$0$1,721,769
83$3,500,717$0$0$1,823,267
84$3,707,443$0$0$1,932,782
85$3,930,519$0$0$2,051,060
86$4,171,464$0$0$2,178,918
87$4,431,946$0$0$2,317,255
88$4,713,799$0$0$2,467,059
89$5,019,040$0$0$2,629,417
90$5,349,885$0$0$2,805,523
91$5,708,772$0$0$2,996,690
92$6,098,381$0$0$3,204,365
93$6,521,661$0$0$3,430,135
94$6,981,854$0$0$3,675,750
95$7,482,529$0$0$3,943,134
96$8,027,612$0$0$4,234,403
97$8,621,422$0$0$4,551,888
98$9,268,712$0$0$4,898,151
99$9,974,715$0$0$5,276,015
100$10,745,190$0$0$5,688,587