Can I retire at age 52 with 801,000?

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 $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%17.1%
1 years$66,146$65,557$64,982$64,421$63,873$62,027
2 years$32,745$32,136$31,545$30,972$30,416$28,571
3 years$21,613$21,001$20,411$19,844$19,297$17,511
4 years$16,049$15,438$14,854$14,296$13,763$12,049
5 years$12,710$12,104$11,528$10,981$10,462$8,825
6 years$10,486$9,883$9,316$8,782$8,278$6,720
7 years$8,897$8,300$7,742$7,220$6,733$5,253
8 years$7,707$7,115$6,565$6,056$5,585$4,183
9 years$6,781$6,195$5,655$5,159$4,704$3,378
10 years$6,041$5,460$4,930$4,447$4,008$2,756
11 years$5,436$4,861$4,340$3,870$3,447$2,268
12 years$4,932$4,363$3,852$3,395$2,987$1,878
13 years$4,506$3,943$3,441$2,997$2,605$1,563
14 years$4,141$3,584$3,092$2,660$2,283$1,307
15 years$3,825$3,274$2,792$2,373$2,010$1,096
16 years$3,549$3,004$2,531$2,124$1,777$922
17 years$3,305$2,766$2,303$1,909$1,575$778
18 years$3,089$2,556$2,103$1,720$1,401$657
19 years$2,896$2,369$1,925$1,554$1,249$556
20 years$2,722$2,202$1,767$1,408$1,115$471
21 years$2,565$2,051$1,625$1,278$998$400
22 years$2,423$1,914$1,498$1,162$895$340
23 years$2,293$1,790$1,383$1,058$803$289
24 years$2,174$1,677$1,279$965$722$246
25 years$2,065$1,574$1,184$881$649$209
26 years$1,964$1,479$1,098$806$585$178
27 years$1,871$1,392$1,020$737$527$152
28 years$1,785$1,312$948$676$476$129
29 years$1,705$1,238$882$620$430$110
30 years$1,630$1,169$822$569$388$94
31 years$1,561$1,105$766$522$351$80
32 years$1,496$1,046$715$480$318$68
33 years$1,434$990$668$441$287$58
34 years$1,377$938$624$406$260$50
35 years$1,323$890$583$374$236$42
36 years$1,272$845$546$344$214$36
37 years$1,224$802$511$317$194$31
38 years$1,179$763$478$292$175$26
39 years$1,136$725$448$270$159$23
40 years$1,095$690$420$249$144$19
41 years$1,056$657$394$229$131$16
42 years$1,020$625$369$212$119$14
43 years$985$596$347$195$108$12
44 years$952$568$325$180$98$10
45 years$920$542$305$167$89$9
46 years$890$517$287$154$81$7
47 years$861$493$270$142$73$6
48 years$834$471$253$131$67$5
49 years$807$450$238$121$60$5
50 years$782$429$224$112$55$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $801,000, adding $3,496 every year, while hoping to spend $57,433 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: 74/16/10 Blend
51$801,000$801,000$801,000$801,000
52$886,308$843,855$831,440$950,016
53$915,603$824,096$798,185$972,761
54$945,962$801,443$761,891$990,132
55$977,431$775,695$722,395$1,007,563
56$1,010,062$746,638$679,529$1,025,043
57$1,043,909$714,043$633,113$1,042,560
58$1,079,029$677,673$582,964$1,060,101
59$1,115,484$637,273$528,887$1,077,655
60$1,153,338$592,574$470,680$1,095,207
61$1,192,662$543,293$408,131$1,112,747
62$1,233,530$489,131$341,020$1,130,261
63$1,276,022$429,770$269,116$1,147,738
64$1,320,223$364,876$192,178$1,165,167
65$1,366,225$294,094$109,955$1,182,538
66$1,414,127$217,052$22,185$1,199,841
67$1,464,033$133,353$0$1,217,068
68$1,516,059$42,581$0$1,241,840
69$1,570,326$0$0$1,269,546
70$1,626,967$0$0$1,307,655
71$1,686,124$0$0$1,355,295
72$1,747,951$0$0$1,405,092
73$1,812,614$0$0$1,457,184
74$1,880,293$0$0$1,511,715
75$1,951,184$0$0$1,568,843
76$2,025,498$0$0$1,628,742
77$2,103,463$0$0$1,691,596
78$2,185,328$0$0$1,757,608
79$2,271,364$0$0$1,826,997
80$2,361,865$0$0$1,900,003
81$2,457,149$0$0$1,976,885
82$2,557,565$0$0$2,057,926
83$2,663,492$0$0$2,143,434
84$2,775,342$0$0$2,233,745
85$2,893,567$0$0$2,329,226
86$3,018,658$0$0$2,430,277
87$3,151,151$0$0$2,537,334
88$3,291,634$0$0$2,650,875
89$3,440,746$0$0$2,771,421
90$3,599,188$0$0$2,899,543
91$3,767,727$0$0$3,035,865
92$3,947,202$0$0$3,181,069
93$4,138,532$0$0$3,335,904
94$4,342,721$0$0$3,501,188
95$4,560,873$0$0$3,677,819
96$4,794,195$0$0$3,866,782
97$5,044,011$0$0$4,069,154
98$5,311,774$0$0$4,286,119
99$5,599,076$0$0$4,518,975
100$5,907,667$0$0$4,769,145