Can I retire at age 52 with 802,000?

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 $802,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$66,228$65,638$65,063$64,501$63,953$62,919
2 years$32,786$32,176$31,584$31,010$30,454$29,415
3 years$21,640$21,027$20,437$19,869$19,321$18,310
4 years$16,069$15,457$14,873$14,314$13,780$12,804
5 years$12,726$12,119$11,542$10,995$10,475$9,538
6 years$10,499$9,896$9,328$8,792$8,289$7,390
7 years$8,909$8,310$7,751$7,229$6,741$5,882
8 years$7,716$7,124$6,574$6,064$5,592$4,772
9 years$6,789$6,202$5,662$5,165$4,710$3,928
10 years$6,048$5,467$4,936$4,452$4,013$3,270
11 years$5,443$4,867$4,346$3,875$3,451$2,745
12 years$4,938$4,368$3,857$3,399$2,991$2,321
13 years$4,511$3,948$3,446$3,001$2,608$1,974
14 years$4,146$3,588$3,096$2,664$2,286$1,687
15 years$3,830$3,278$2,795$2,376$2,013$1,447
16 years$3,553$3,008$2,534$2,127$1,779$1,245
17 years$3,309$2,770$2,306$1,911$1,577$1,075
18 years$3,093$2,559$2,105$1,722$1,402$929
19 years$2,900$2,372$1,927$1,556$1,250$806
20 years$2,726$2,204$1,769$1,409$1,117$699
21 years$2,569$2,053$1,627$1,279$999$608
22 years$2,426$1,917$1,499$1,163$896$529
23 years$2,296$1,793$1,384$1,059$804$461
24 years$2,177$1,679$1,280$966$723$403
25 years$2,068$1,576$1,186$882$650$351
26 years$1,967$1,481$1,100$807$586$307
27 years$1,874$1,394$1,021$738$528$268
28 years$1,787$1,314$949$677$477$235
29 years$1,707$1,239$884$620$430$205
30 years$1,633$1,170$823$569$389$180
31 years$1,563$1,106$767$523$351$158
32 years$1,497$1,047$716$481$318$138
33 years$1,436$991$668$442$288$121
34 years$1,379$940$625$407$261$106
35 years$1,325$891$584$374$236$93
36 years$1,274$846$546$345$214$81
37 years$1,226$803$511$318$194$71
38 years$1,180$764$479$293$176$63
39 years$1,137$726$449$270$159$55
40 years$1,096$691$420$249$144$48
41 years$1,058$658$394$230$131$42
42 years$1,021$626$370$212$119$37
43 years$986$597$347$196$108$33
44 years$953$569$326$181$98$29
45 years$921$542$306$167$89$25
46 years$891$517$287$154$81$22
47 years$862$494$270$142$73$19
48 years$835$471$254$132$67$17
49 years$808$450$238$122$60$15
50 years$783$430$224$112$55$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $802,000, adding $6,768 every year, while hoping to spend $22,791 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: 52/21/27 Blend
51$802,000$802,000$802,000$802,000
52$890,785$848,279$835,848$930,057
53$957,396$865,595$839,600$975,349
54$1,030,037$882,996$842,713$1,021,733
55$1,109,299$900,462$845,143$1,071,736
56$1,195,834$917,971$846,841$1,125,713
57$1,290,357$935,499$847,758$1,184,057
58$1,393,656$953,021$847,841$1,247,197
59$1,506,600$970,510$847,034$1,315,610
60$1,630,144$987,936$845,281$1,389,822
61$1,765,341$1,005,267$842,519$1,470,411
62$1,913,348$1,022,468$838,687$1,558,016
63$2,075,443$1,039,502$833,716$1,653,341
64$2,253,029$1,056,329$827,537$1,757,163
65$2,447,655$1,072,906$820,076$1,870,339
66$2,661,025$1,089,187$811,258$1,993,815
67$2,895,015$1,105,123$801,000$2,128,631
68$3,151,693$1,120,660$789,220$2,275,939
69$3,433,336$1,135,742$775,829$2,437,005
70$3,742,452$1,150,309$760,735$2,613,229
71$4,081,803$1,164,296$743,841$2,806,151
72$4,454,433$1,177,633$725,046$3,017,473
73$4,863,695$1,190,246$704,244$3,249,070
74$5,313,280$1,202,057$681,325$3,503,010
75$5,807,259$1,212,982$656,173$3,781,574
76$6,350,112$1,222,930$628,668$4,087,276
77$6,946,777$1,231,808$598,682$4,422,890
78$7,602,694$1,239,512$566,084$4,791,474
79$8,323,856$1,245,936$530,735$5,196,400
80$9,116,866$1,250,963$492,491$5,641,385
81$9,988,998$1,254,472$451,201$6,130,531
82$10,948,267$1,256,332$406,707$6,668,356
83$12,003,504$1,256,406$358,846$7,259,846
84$13,164,438$1,254,547$307,444$7,910,495
85$14,441,790$1,250,598$252,322$8,626,362
86$15,847,371$1,244,396$193,293$9,414,127
87$17,394,195$1,235,764$130,161$10,281,155
88$19,096,603$1,224,516$62,722$11,235,565
89$20,970,395$1,210,456$0$12,286,308
90$23,032,980$1,193,373$0$13,445,919
91$25,303,543$1,173,047$0$14,742,067
92$27,803,221$1,149,243$0$16,168,726
93$30,555,306$1,121,712$0$17,739,186
94$33,585,462$1,090,191$0$19,468,098
95$36,921,970$1,054,402$0$21,371,603
96$40,595,991$1,014,048$0$23,467,494
97$44,641,865$968,818$0$25,775,378
98$49,097,427$918,383$0$28,316,866
99$54,004,373$862,392$0$31,115,770
100$59,408,646$800,476$0$34,198,338