Can I retire at age 52 with 799,000?

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 $799,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$65,981$65,393$64,820$64,260$63,713$61,210
2 years$32,664$32,055$31,466$30,894$30,340$27,848
3 years$21,559$20,949$20,360$19,794$19,249$16,847
4 years$16,008$15,399$14,817$14,261$13,728$11,436
5 years$12,679$12,073$11,499$10,954$10,436$8,258
6 years$10,460$9,859$9,293$8,760$8,258$6,195
7 years$8,875$8,279$7,722$7,202$6,716$4,768
8 years$7,687$7,097$6,549$6,041$5,571$3,737
9 years$6,764$6,179$5,641$5,146$4,692$2,968
10 years$6,026$5,447$4,918$4,436$3,998$2,381
11 years$5,422$4,849$4,329$3,860$3,438$1,925
12 years$4,919$4,352$3,842$3,386$2,979$1,566
13 years$4,494$3,933$3,433$2,989$2,598$1,280
14 years$4,131$3,575$3,084$2,654$2,278$1,050
15 years$3,815$3,266$2,785$2,367$2,005$864
16 years$3,540$2,996$2,525$2,119$1,772$713
17 years$3,297$2,759$2,298$1,904$1,571$589
18 years$3,081$2,550$2,097$1,716$1,397$488
19 years$2,889$2,363$1,920$1,550$1,245$405
20 years$2,716$2,196$1,762$1,404$1,112$336
21 years$2,559$2,045$1,621$1,274$995$279
22 years$2,417$1,909$1,494$1,159$892$232
23 years$2,287$1,786$1,379$1,055$801$193
24 years$2,169$1,673$1,276$962$720$161
25 years$2,060$1,570$1,181$879$648$134
26 years$1,960$1,476$1,096$804$584$112
27 years$1,867$1,389$1,017$736$526$93
28 years$1,781$1,309$946$674$475$78
29 years$1,701$1,235$880$618$429$65
30 years$1,626$1,166$820$567$387$54
31 years$1,557$1,102$764$521$350$45
32 years$1,492$1,043$713$479$317$38
33 years$1,431$988$666$440$287$31
34 years$1,374$936$622$405$260$26
35 years$1,320$888$582$373$235$22
36 years$1,269$843$544$343$213$18
37 years$1,221$800$509$316$193$15
38 years$1,176$761$477$292$175$13
39 years$1,133$723$447$269$159$11
40 years$1,092$688$419$248$144$9
41 years$1,054$655$393$229$131$7
42 years$1,017$624$368$211$119$6
43 years$982$594$346$195$108$5
44 years$949$567$324$180$98$4
45 years$918$540$305$166$89$4
46 years$888$515$286$154$80$3
47 years$859$492$269$142$73$2
48 years$831$470$253$131$66$2
49 years$805$448$237$121$60$2
50 years$780$428$223$112$55$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $799,000, adding $4,661 every year, while hoping to spend $25,471 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: 39/37/24 Blend
51$799,000$799,000$799,000$799,000
52$885,306$842,959$830,574$913,363
53$948,506$857,163$831,298$948,322
54$1,017,299$871,209$831,191$983,370
55$1,092,228$885,063$830,201$1,020,762
56$1,173,892$898,688$828,269$1,060,729
57$1,262,949$912,043$825,336$1,103,521
58$1,360,123$925,086$821,338$1,149,419
59$1,466,211$937,772$816,209$1,198,731
60$1,582,093$950,051$809,880$1,251,798
61$1,708,734$961,871$802,278$1,308,998
62$1,847,198$973,175$793,328$1,370,747
63$1,998,657$983,906$782,949$1,437,506
64$2,164,400$993,998$771,058$1,509,784
65$2,345,849$1,003,383$757,569$1,588,143
66$2,544,567$1,011,990$742,389$1,673,205
67$2,762,276$1,019,742$725,422$1,765,656
68$3,000,874$1,026,555$706,570$1,866,256
69$3,262,450$1,032,342$685,726$1,975,842
70$3,549,304$1,037,011$662,782$2,095,340
71$3,863,971$1,040,463$637,623$2,225,772
72$4,209,242$1,042,592$610,130$2,368,268
73$4,588,192$1,043,286$580,176$2,524,074
74$5,004,207$1,042,427$547,632$2,694,568
75$5,461,019$1,039,888$512,360$2,881,270
76$5,962,736$1,035,536$474,218$3,085,860
77$6,513,887$1,029,228$433,055$3,310,190
78$7,119,457$1,020,815$388,717$3,556,307
79$7,784,942$1,010,135$341,039$3,826,471
80$8,516,395$997,020$289,853$4,123,174
81$9,320,484$981,291$234,979$4,449,169
82$10,204,555$962,756$176,233$4,807,494
83$11,176,703$941,214$113,420$5,201,501
84$12,245,846$916,453$46,338$5,634,891
85$13,421,808$888,245$0$6,111,745
86$14,715,415$856,352$0$6,643,034
87$16,138,595$820,521$0$7,240,349
88$17,704,489$780,483$0$7,897,353
89$19,427,576$735,956$0$8,620,158
90$21,323,811$686,640$0$9,415,506
91$23,410,772$632,218$0$10,290,828
92$25,707,829$572,355$0$11,254,317
93$28,236,324$506,697$0$12,315,009
94$31,019,775$434,871$0$13,482,865
95$34,084,093$356,480$0$14,768,868
96$37,457,830$271,108$0$16,185,125
97$41,172,449$178,313$0$17,744,988
98$45,262,618$77,629$0$19,463,174
99$49,766,538$0$0$21,355,910
100$54,726,302$0$0$23,453,883