Can I retire at age 52 with 798,000?

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 $798,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$65,898$65,311$64,738$64,179$63,634$62,477
2 years$32,623$32,015$31,426$30,856$30,302$29,140
3 years$21,533$20,922$20,335$19,769$19,225$18,095
4 years$15,988$15,380$14,799$14,243$13,711$12,622
5 years$12,663$12,058$11,484$10,940$10,423$9,377
6 years$10,447$9,846$9,281$8,749$8,247$7,246
7 years$8,864$8,269$7,713$7,193$6,707$5,751
8 years$7,678$7,088$6,541$6,034$5,564$4,653
9 years$6,756$6,171$5,634$5,139$4,686$3,818
10 years$6,018$5,440$4,912$4,430$3,993$3,169
11 years$5,415$4,843$4,324$3,856$3,434$2,652
12 years$4,913$4,347$3,838$3,382$2,976$2,235
13 years$4,489$3,928$3,429$2,986$2,595$1,895
14 years$4,125$3,570$3,081$2,650$2,275$1,613
15 years$3,811$3,262$2,781$2,364$2,003$1,379
16 years$3,535$2,993$2,522$2,116$1,770$1,183
17 years$3,293$2,756$2,295$1,902$1,569$1,017
18 years$3,078$2,547$2,095$1,714$1,395$877
19 years$2,885$2,360$1,918$1,548$1,244$757
20 years$2,712$2,193$1,760$1,402$1,111$655
21 years$2,556$2,043$1,619$1,273$994$567
22 years$2,414$1,907$1,492$1,157$891$492
23 years$2,285$1,784$1,378$1,054$800$427
24 years$2,166$1,671$1,274$961$719$371
25 years$2,057$1,568$1,180$878$647$323
26 years$1,957$1,474$1,094$803$583$281
27 years$1,864$1,387$1,016$735$525$244
28 years$1,779$1,307$945$673$474$213
29 years$1,699$1,233$879$617$428$186
30 years$1,624$1,165$819$567$387$162
31 years$1,555$1,101$763$520$350$141
32 years$1,490$1,042$712$478$316$123
33 years$1,429$986$665$440$286$107
34 years$1,372$935$621$405$259$94
35 years$1,318$887$581$372$235$82
36 years$1,267$842$543$343$213$71
37 years$1,220$799$509$316$193$62
38 years$1,174$760$476$291$175$55
39 years$1,132$722$446$269$159$48
40 years$1,091$687$418$248$144$42
41 years$1,053$654$392$229$130$36
42 years$1,016$623$368$211$118$32
43 years$981$594$345$195$107$28
44 years$948$566$324$180$98$24
45 years$917$540$304$166$89$21
46 years$887$515$286$153$80$19
47 years$858$491$269$142$73$16
48 years$830$469$252$131$66$14
49 years$804$448$237$121$60$12
50 years$779$428$223$112$55$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $798,000, adding $4,520 every year, while hoping to spend $24,550 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: 49/33/18 Blend
51$798,000$798,000$798,000$798,000
52$884,058$841,764$829,395$922,723
53$948,111$856,890$831,059$965,078
54$1,017,875$871,934$831,956$1,008,183
55$1,093,906$886,866$832,034$1,054,483
56$1,176,816$901,654$831,239$1,104,287
57$1,267,280$916,264$829,514$1,157,938
58$1,366,040$930,659$826,800$1,215,812
59$1,473,913$944,797$823,035$1,278,324
60$1,591,797$958,638$818,152$1,345,934
61$1,720,684$972,135$812,083$1,419,147
62$1,861,662$985,238$804,757$1,498,522
63$2,015,933$997,895$796,097$1,584,674
64$2,184,817$1,010,051$786,025$1,678,283
65$2,369,770$1,021,645$774,459$1,780,099
66$2,572,394$1,032,614$761,311$1,890,950
67$2,794,455$1,042,888$746,491$2,011,747
68$3,037,896$1,052,396$729,905$2,143,497
69$3,304,857$1,061,060$711,453$2,287,312
70$3,597,697$1,068,796$691,031$2,444,416
71$3,919,012$1,075,517$668,531$2,616,162
72$4,271,664$1,081,130$643,839$2,804,040
73$4,658,803$1,085,535$616,837$3,009,696
74$5,083,901$1,088,625$587,401$3,234,945
75$5,550,779$1,090,289$555,400$3,481,787
76$6,063,652$1,090,407$520,699$3,752,430
77$6,627,159$1,088,851$483,156$4,049,311
78$7,246,411$1,085,486$442,624$4,375,115
79$7,927,040$1,080,171$398,947$4,732,805
80$8,675,251$1,072,751$351,965$5,125,648
81$9,497,878$1,063,068$301,507$5,557,249
82$10,402,452$1,050,949$247,398$6,031,581
83$11,397,271$1,036,214$189,454$6,553,029
84$12,491,474$1,018,670$127,483$7,126,426
85$13,695,134$998,115$61,283$7,757,103
86$15,019,348$974,332$0$8,450,939
87$16,476,342$947,095$0$9,216,214
88$18,079,587$916,161$0$10,070,958
89$19,843,927$881,275$0$11,011,312
90$21,785,717$842,166$0$12,046,015
91$23,922,977$798,550$0$13,184,699
92$26,275,564$750,122$0$14,437,980
93$28,865,357$696,563$0$15,817,562
94$31,716,463$637,534$0$17,336,345
95$34,855,448$572,679$0$19,008,549
96$38,311,583$501,619$0$20,849,849
97$42,117,120$423,955$0$22,877,523
98$46,307,602$339,265$0$25,110,615
99$50,922,191$247,102$0$27,570,119
100$56,004,042$146,997$0$30,279,173