Can I retire at age 52 with 797,000?

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 $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%12.2%
1 years$65,816$65,229$64,657$64,099$63,554$62,969
2 years$32,582$31,975$31,387$30,817$30,264$29,674
3 years$21,506$20,896$20,309$19,745$19,201$18,625
4 years$15,968$15,361$14,780$14,225$13,694$13,137
5 years$12,647$12,043$11,470$10,926$10,410$9,873
6 years$10,433$9,834$9,269$8,738$8,237$7,720
7 years$8,853$8,259$7,703$7,184$6,699$6,203
8 years$7,668$7,079$6,533$6,026$5,557$5,082
9 years$6,747$6,164$5,627$5,133$4,680$4,226
10 years$6,011$5,433$4,905$4,425$3,988$3,554
11 years$5,409$4,837$4,319$3,851$3,430$3,016
12 years$4,907$4,341$3,833$3,378$2,972$2,578
13 years$4,483$3,923$3,424$2,982$2,592$2,217
14 years$4,120$3,566$3,077$2,647$2,272$1,915
15 years$3,806$3,258$2,778$2,361$2,000$1,662
16 years$3,531$2,989$2,519$2,114$1,768$1,447
17 years$3,289$2,753$2,292$1,899$1,568$1,264
18 years$3,074$2,544$2,092$1,712$1,394$1,107
19 years$2,882$2,357$1,915$1,547$1,242$971
20 years$2,709$2,191$1,758$1,401$1,110$854
21 years$2,553$2,040$1,617$1,271$993$752
22 years$2,411$1,905$1,490$1,156$890$663
23 years$2,282$1,781$1,376$1,053$799$586
24 years$2,163$1,669$1,272$960$718$518
25 years$2,055$1,566$1,178$877$646$458
26 years$1,955$1,472$1,093$802$582$406
27 years$1,862$1,385$1,015$734$525$359
28 years$1,776$1,305$944$672$474$319
29 years$1,697$1,232$878$617$428$283
30 years$1,622$1,163$818$566$386$251
31 years$1,553$1,099$762$520$349$223
32 years$1,488$1,040$711$478$316$198
33 years$1,427$985$664$439$286$176
34 years$1,370$934$621$404$259$156
35 years$1,316$886$580$372$234$139
36 years$1,266$841$543$343$212$124
37 years$1,218$798$508$316$193$110
38 years$1,173$759$476$291$175$98
39 years$1,130$721$446$268$158$87
40 years$1,090$686$418$247$144$78
41 years$1,051$653$392$228$130$69
42 years$1,015$622$367$211$118$62
43 years$980$593$345$194$107$55
44 years$947$565$324$180$97$49
45 years$915$539$304$166$88$43
46 years$885$514$285$153$80$39
47 years$857$491$268$142$73$34
48 years$829$468$252$131$66$31
49 years$803$447$237$121$60$27
50 years$778$427$223$112$55$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $797,000, adding $5,430 every year, while hoping to spend $24,397 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: 30/44/26 Blend
51$797,000$797,000$797,000$797,000
52$883,895$841,654$829,301$903,190
53$948,094$856,937$831,124$933,879
54$1,018,024$872,151$832,191$964,356
55$1,094,243$887,267$832,450$996,652
56$1,177,366$902,254$831,847$1,030,941
57$1,268,071$917,077$830,328$1,067,417
58$1,367,102$931,702$827,831$1,106,292
59$1,475,279$946,088$824,296$1,147,803
60$1,593,505$960,194$819,658$1,192,213
61$1,722,774$973,975$813,848$1,239,811
62$1,864,181$987,384$806,796$1,290,918
63$2,018,931$1,000,369$798,427$1,345,888
64$2,188,350$1,012,875$788,662$1,405,115
65$2,373,899$1,024,843$777,420$1,469,031
66$2,577,188$1,036,212$764,615$1,538,117
67$2,799,989$1,046,914$750,157$1,612,904
68$3,044,253$1,056,878$733,953$1,693,979
69$3,312,131$1,066,029$715,904$1,781,992
70$3,605,988$1,074,285$695,907$1,877,661
71$3,928,434$1,081,559$673,855$1,981,778
72$4,282,340$1,087,762$649,635$2,095,221
73$4,670,871$1,092,794$623,129$2,218,959
74$5,097,511$1,096,553$594,216$2,354,064
75$5,566,101$1,098,927$562,765$2,501,720
76$6,080,868$1,099,800$528,643$2,663,235
77$6,646,474$1,099,047$491,710$2,840,054
78$7,268,050$1,096,535$451,817$3,033,773
79$7,951,251$1,092,126$408,813$3,246,156
80$8,702,307$1,085,668$362,537$3,479,152
81$9,528,082$1,077,006$312,822$3,734,910
82$10,436,137$1,065,970$259,492$4,015,808
83$11,434,804$1,052,383$202,366$4,324,468
84$12,533,261$1,036,058$141,253$4,663,788
85$13,741,623$1,016,794$75,954$5,036,964
86$15,071,031$994,379$6,261$5,447,528
87$16,533,764$968,592$0$5,899,378
88$18,143,349$939,193$0$6,415,710
89$19,914,689$905,933$0$6,985,461
90$21,864,210$868,546$0$7,612,197
91$24,010,005$826,750$0$8,301,770
92$26,372,015$780,250$0$9,060,636
93$28,972,208$728,730$0$9,895,911
94$31,834,794$671,859$0$10,815,444
95$34,986,448$609,284$0$11,827,893
96$38,456,562$540,636$0$12,942,802
97$42,277,525$465,520$0$14,170,697
98$46,485,025$383,524$0$15,523,186
99$51,118,389$294,208$0$17,013,065
100$56,220,951$197,110$0$18,654,448