Can I retire at age 52 with 801,000?

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 $801,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$66,146$65,557$64,982$64,421$63,873$61,729
2 years$32,745$32,136$31,545$30,972$30,416$28,277
3 years$21,613$21,001$20,411$19,844$19,297$17,231
4 years$16,049$15,438$14,854$14,296$13,763$11,785
5 years$12,710$12,104$11,528$10,981$10,462$8,578
6 years$10,486$9,883$9,316$8,782$8,278$6,489
7 years$8,897$8,300$7,742$7,220$6,733$5,037
8 years$7,707$7,115$6,565$6,056$5,585$3,983
9 years$6,781$6,195$5,655$5,159$4,704$3,193
10 years$6,041$5,460$4,930$4,447$4,008$2,586
11 years$5,436$4,861$4,340$3,870$3,447$2,111
12 years$4,932$4,363$3,852$3,395$2,987$1,734
13 years$4,506$3,943$3,441$2,997$2,605$1,432
14 years$4,141$3,584$3,092$2,660$2,283$1,187
15 years$3,825$3,274$2,792$2,373$2,010$988
16 years$3,549$3,004$2,531$2,124$1,777$824
17 years$3,305$2,766$2,303$1,909$1,575$688
18 years$3,089$2,556$2,103$1,720$1,401$577
19 years$2,896$2,369$1,925$1,554$1,249$484
20 years$2,722$2,202$1,767$1,408$1,115$406
21 years$2,565$2,051$1,625$1,278$998$341
22 years$2,423$1,914$1,498$1,162$895$287
23 years$2,293$1,790$1,383$1,058$803$242
24 years$2,174$1,677$1,279$965$722$204
25 years$2,065$1,574$1,184$881$649$172
26 years$1,964$1,479$1,098$806$585$145
27 years$1,871$1,392$1,020$737$527$122
28 years$1,785$1,312$948$676$476$103
29 years$1,705$1,238$882$620$430$87
30 years$1,630$1,169$822$569$388$73
31 years$1,561$1,105$766$522$351$62
32 years$1,496$1,046$715$480$318$52
33 years$1,434$990$668$441$287$44
34 years$1,377$938$624$406$260$37
35 years$1,323$890$583$374$236$32
36 years$1,272$845$546$344$214$27
37 years$1,224$802$511$317$194$23
38 years$1,179$763$478$292$175$19
39 years$1,136$725$448$270$159$16
40 years$1,095$690$420$249$144$14
41 years$1,056$657$394$229$131$12
42 years$1,020$625$369$212$119$10
43 years$985$596$347$195$108$8
44 years$952$568$325$180$98$7
45 years$920$542$305$167$89$6
46 years$890$517$287$154$81$5
47 years$861$493$270$142$73$4
48 years$834$471$253$131$67$4
49 years$807$450$238$121$60$3
50 years$782$429$224$112$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $801,000, adding $4,094 every year, while hoping to spend $24,863 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: 57/33/10 Blend
51$801,000$801,000$801,000$801,000
52$886,925$844,472$832,056$935,109
53$950,937$859,397$833,476$983,013
54$1,020,646$874,220$834,110$1,032,062
55$1,096,604$888,910$833,906$1,084,905
56$1,179,425$903,433$832,809$1,141,911
57$1,269,778$917,753$830,760$1,203,482
58$1,368,404$931,832$827,699$1,270,063
59$1,476,116$945,627$823,562$1,342,145
60$1,593,812$959,094$818,283$1,420,269
61$1,722,477$972,186$811,792$1,505,030
62$1,863,198$984,852$804,015$1,597,087
63$2,017,171$997,037$794,877$1,697,162
64$2,185,713$1,008,682$784,296$1,806,056
65$2,370,275$1,019,726$772,188$1,924,649
66$2,572,452$1,030,102$758,466$2,053,912
67$2,794,004$1,039,739$743,037$2,194,917
68$3,036,869$1,048,562$725,804$2,348,843
69$3,303,178$1,056,491$706,668$2,516,992
70$3,595,283$1,063,439$685,521$2,700,801
71$3,915,770$1,069,316$662,255$2,901,851
72$4,267,491$1,074,025$636,752$3,121,889
73$4,653,585$1,077,462$608,894$3,362,837
74$5,077,511$1,079,518$578,552$3,626,819
75$5,543,080$1,080,077$545,596$3,916,172
76$6,054,488$1,079,014$509,887$4,233,478
77$6,616,358$1,076,199$471,281$4,581,579
78$7,233,786$1,071,492$429,628$4,963,611
79$7,912,381$1,064,744$384,770$5,383,033
80$8,658,327$1,055,800$336,543$5,843,656
81$9,478,435$1,044,492$284,775$6,349,683
82$10,380,207$1,030,644$229,287$6,905,748
83$11,371,912$1,014,069$169,892$7,516,961
84$12,462,658$994,569$106,394$8,188,953
85$13,662,480$971,935$38,590$8,927,936
86$14,982,437$945,943$0$9,740,755
87$16,434,710$916,358$0$10,638,563
88$18,032,722$882,932$0$11,630,707
89$19,791,265$845,401$0$12,722,262
90$21,726,634$803,485$0$13,923,369
91$23,856,785$756,891$0$15,245,206
92$26,201,504$705,306$0$16,700,091
93$28,782,591$648,399$0$18,301,604
94$31,624,068$585,823$0$20,064,713
95$34,752,404$517,209$0$22,005,917
96$38,196,764$442,167$0$24,143,401
97$41,989,287$360,286$0$26,497,211
98$46,165,385$271,131$0$29,089,439
99$50,764,081$174,244$0$31,944,437
100$55,828,373$69,138$0$35,089,048