Can I retire at age 52 with 802,000?

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 $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%19.4%
1 years$66,228$65,638$65,063$64,501$63,953$61,537
2 years$32,786$32,176$31,584$31,010$30,454$28,048
3 years$21,640$21,027$20,437$19,869$19,321$17,001
4 years$16,069$15,457$14,873$14,314$13,780$11,563
5 years$12,726$12,119$11,542$10,995$10,475$8,367
6 years$10,499$9,896$9,328$8,792$8,289$6,291
7 years$8,909$8,310$7,751$7,229$6,741$4,854
8 years$7,716$7,124$6,574$6,064$5,592$3,813
9 years$6,789$6,202$5,662$5,165$4,710$3,036
10 years$6,048$5,467$4,936$4,452$4,013$2,442
11 years$5,443$4,867$4,346$3,875$3,451$1,979
12 years$4,938$4,368$3,857$3,399$2,991$1,614
13 years$4,511$3,948$3,446$3,001$2,608$1,323
14 years$4,146$3,588$3,096$2,664$2,286$1,088
15 years$3,830$3,278$2,795$2,376$2,013$898
16 years$3,553$3,008$2,534$2,127$1,779$743
17 years$3,309$2,770$2,306$1,911$1,577$616
18 years$3,093$2,559$2,105$1,722$1,402$512
19 years$2,900$2,372$1,927$1,556$1,250$426
20 years$2,726$2,204$1,769$1,409$1,117$354
21 years$2,569$2,053$1,627$1,279$999$295
22 years$2,426$1,917$1,499$1,163$896$246
23 years$2,296$1,793$1,384$1,059$804$206
24 years$2,177$1,679$1,280$966$723$172
25 years$2,068$1,576$1,186$882$650$144
26 years$1,967$1,481$1,100$807$586$120
27 years$1,874$1,394$1,021$738$528$100
28 years$1,787$1,314$949$677$477$84
29 years$1,707$1,239$884$620$430$70
30 years$1,633$1,170$823$569$389$59
31 years$1,563$1,106$767$523$351$49
32 years$1,497$1,047$716$481$318$41
33 years$1,436$991$668$442$288$34
34 years$1,379$940$625$407$261$29
35 years$1,325$891$584$374$236$24
36 years$1,274$846$546$345$214$20
37 years$1,226$803$511$318$194$17
38 years$1,180$764$479$293$176$14
39 years$1,137$726$449$270$159$12
40 years$1,096$691$420$249$144$10
41 years$1,058$658$394$230$131$8
42 years$1,021$626$370$212$119$7
43 years$986$597$347$196$108$6
44 years$953$569$326$181$98$5
45 years$921$542$306$167$89$4
46 years$891$517$287$154$81$3
47 years$862$494$270$142$73$3
48 years$835$471$254$132$67$2
49 years$808$450$238$122$60$2
50 years$783$430$224$112$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $802,000, adding $2,313 every year, while hoping to spend $51,538 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: 64/9/27 Blend
51$802,000$802,000$802,000$802,000
52$886,190$843,684$831,253$936,433
53$921,745$830,188$804,264$957,210
54$959,200$814,304$774,643$973,997
55$998,693$795,860$742,249$991,210
56$1,040,377$774,674$706,931$1,008,898
57$1,084,417$750,554$668,534$1,027,116
58$1,130,993$723,297$626,896$1,045,927
59$1,180,303$692,688$581,846$1,065,402
60$1,232,562$658,497$533,206$1,085,623
61$1,288,005$620,486$480,790$1,106,680
62$1,346,890$578,398$424,405$1,128,676
63$1,409,497$531,964$363,847$1,151,730
64$1,476,135$480,899$298,905$1,175,971
65$1,547,140$424,903$229,358$1,201,548
66$1,622,882$363,657$154,975$1,228,626
67$1,703,764$296,824$75,515$1,257,391
68$1,790,230$224,050$0$1,288,053
69$1,882,765$144,960$0$1,323,521
70$1,981,901$59,158$0$1,384,770
71$2,088,223$0$0$1,450,397
72$2,202,370$0$0$1,524,154
73$2,325,047$0$0$1,609,758
74$2,457,025$0$0$1,701,893
75$2,599,152$0$0$1,801,156
76$2,752,358$0$0$1,908,202
77$2,917,666$0$0$2,023,752
78$3,096,200$0$0$2,148,596
79$3,289,193$0$0$2,283,605
80$3,498,003$0$0$2,429,734
81$3,724,121$0$0$2,588,034
82$3,969,186$0$0$2,759,661
83$4,235,002$0$0$2,945,884
84$4,523,551$0$0$3,148,101
85$4,837,015$0$0$3,367,849
86$5,177,792$0$0$3,606,819
87$5,548,521$0$0$3,866,870
88$5,952,106$0$0$4,150,050
89$6,391,743$0$0$4,458,609
90$6,870,947$0$0$4,795,027
91$7,393,588$0$0$5,162,032
92$7,963,925$0$0$5,562,625
93$8,586,647$0$0$6,000,112
94$9,266,914$0$0$6,478,130
95$10,010,407$0$0$7,000,686
96$10,823,383$0$0$7,572,188
97$11,712,727$0$0$8,197,493
98$12,686,023$0$0$8,881,947
99$13,751,622$0$0$9,631,437
100$14,918,717$0$0$10,452,446