Can I retire at age 52 with 799,000?

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 $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%11.5%
1 years$65,981$65,393$64,820$64,260$63,713$63,312
2 years$32,664$32,055$31,466$30,894$30,340$29,935
3 years$21,559$20,949$20,360$19,794$19,249$18,853
4 years$16,008$15,399$14,817$14,261$13,728$13,344
5 years$12,679$12,073$11,499$10,954$10,436$10,065
6 years$10,460$9,859$9,293$8,760$8,258$7,901
7 years$8,875$8,279$7,722$7,202$6,716$6,373
8 years$7,687$7,097$6,549$6,041$5,571$5,242
9 years$6,764$6,179$5,641$5,146$4,692$4,376
10 years$6,026$5,447$4,918$4,436$3,998$3,696
11 years$5,422$4,849$4,329$3,860$3,438$3,150
12 years$4,919$4,352$3,842$3,386$2,979$2,704
13 years$4,494$3,933$3,433$2,989$2,598$2,336
14 years$4,131$3,575$3,084$2,654$2,278$2,028
15 years$3,815$3,266$2,785$2,367$2,005$1,768
16 years$3,540$2,996$2,525$2,119$1,772$1,547
17 years$3,297$2,759$2,298$1,904$1,571$1,358
18 years$3,081$2,550$2,097$1,716$1,397$1,195
19 years$2,889$2,363$1,920$1,550$1,245$1,054
20 years$2,716$2,196$1,762$1,404$1,112$931
21 years$2,559$2,045$1,621$1,274$995$824
22 years$2,417$1,909$1,494$1,159$892$731
23 years$2,287$1,786$1,379$1,055$801$649
24 years$2,169$1,673$1,276$962$720$576
25 years$2,060$1,570$1,181$879$648$513
26 years$1,960$1,476$1,096$804$584$457
27 years$1,867$1,389$1,017$736$526$407
28 years$1,781$1,309$946$674$475$363
29 years$1,701$1,235$880$618$429$324
30 years$1,626$1,166$820$567$387$289
31 years$1,557$1,102$764$521$350$258
32 years$1,492$1,043$713$479$317$231
33 years$1,431$988$666$440$287$206
34 years$1,374$936$622$405$260$184
35 years$1,320$888$582$373$235$165
36 years$1,269$843$544$343$213$148
37 years$1,221$800$509$316$193$132
38 years$1,176$761$477$292$175$118
39 years$1,133$723$447$269$159$106
40 years$1,092$688$419$248$144$95
41 years$1,054$655$393$229$131$85
42 years$1,017$624$368$211$119$76
43 years$982$594$346$195$108$68
44 years$949$567$324$180$98$61
45 years$918$540$305$166$89$55
46 years$888$515$286$154$80$49
47 years$859$492$269$142$73$44
48 years$831$470$253$131$66$39
49 years$805$448$237$121$60$35
50 years$780$428$223$112$55$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $799,000, adding $2,050 every year, while hoping to spend $30,684 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: 39/35/26 Blend
51$799,000$799,000$799,000$799,000
52$882,613$840,266$827,881$910,154
53$939,992$848,791$822,968$938,906
54$1,002,195$856,706$816,861$966,972
55$1,069,682$863,948$809,489$996,724
56$1,142,958$870,450$800,776$1,028,335
57$1,222,581$876,143$790,642$1,061,996
58$1,309,160$880,950$779,005$1,097,920
59$1,403,370$884,792$765,777$1,136,345
60$1,505,950$887,583$750,867$1,177,531
61$1,617,715$889,233$734,180$1,221,772
62$1,739,563$889,647$715,616$1,269,389
63$1,872,480$888,720$695,070$1,320,743
64$2,017,552$886,347$672,434$1,376,230
65$2,175,975$882,410$647,593$1,436,291
66$2,349,064$876,789$620,428$1,501,416
67$2,538,270$869,352$590,813$1,572,146
68$2,745,187$859,964$558,619$1,649,082
69$2,971,573$848,479$523,709$1,732,887
70$3,219,360$834,741$485,940$1,824,300
71$3,490,679$818,588$445,164$1,924,134
72$3,787,876$799,846$401,224$2,033,293
73$4,113,533$778,332$353,959$2,152,776
74$4,470,495$753,852$303,198$2,283,688
75$4,861,894$726,199$248,764$2,427,254
76$5,291,181$695,157$190,471$2,584,826
77$5,762,157$660,496$128,128$2,757,901
78$6,279,008$621,970$61,530$2,948,135
79$6,846,344$579,325$0$3,157,359
80$7,469,245$532,286$0$3,390,244
81$8,153,307$480,566$0$3,664,769
82$8,904,691$423,861$0$3,966,382
83$9,730,190$361,850$0$4,297,884
84$10,637,281$294,193$0$4,662,364
85$11,634,206$220,531$0$5,063,231
86$12,730,043$140,484$0$5,504,247
87$13,934,793$53,654$0$5,989,564
88$15,259,476$0$0$6,523,761
89$16,716,232$0$0$7,127,445
90$18,318,436$0$0$7,814,249
91$20,080,824$0$0$8,569,841
92$22,019,635$0$0$9,401,197
93$24,152,757$0$0$10,316,005
94$26,499,902$0$0$11,322,733
95$29,082,787$0$0$12,430,715
96$31,925,344$0$0$13,650,231
97$35,053,939$0$0$14,992,614
98$38,497,626$0$0$16,470,346
99$42,288,416$0$0$18,097,184
100$46,461,584$0$0$19,888,286