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%16%
1 years$66,228$65,638$65,063$64,501$63,953$62,381
2 years$32,786$32,176$31,584$31,010$30,454$28,880
3 years$21,640$21,027$20,437$19,869$19,321$17,795
4 years$16,069$15,457$14,873$14,314$13,780$12,313
5 years$12,726$12,119$11,542$10,995$10,475$9,071
6 years$10,499$9,896$9,328$8,792$8,289$6,949
7 years$8,909$8,310$7,751$7,229$6,741$5,465
8 years$7,716$7,124$6,574$6,064$5,592$4,381
9 years$6,789$6,202$5,662$5,165$4,710$3,561
10 years$6,048$5,467$4,936$4,452$4,013$2,926
11 years$5,443$4,867$4,346$3,875$3,451$2,424
12 years$4,938$4,368$3,857$3,399$2,991$2,022
13 years$4,511$3,948$3,446$3,001$2,608$1,696
14 years$4,146$3,588$3,096$2,664$2,286$1,428
15 years$3,830$3,278$2,795$2,376$2,013$1,208
16 years$3,553$3,008$2,534$2,127$1,779$1,024
17 years$3,309$2,770$2,306$1,911$1,577$870
18 years$3,093$2,559$2,105$1,722$1,402$741
19 years$2,900$2,372$1,927$1,556$1,250$633
20 years$2,726$2,204$1,769$1,409$1,117$541
21 years$2,569$2,053$1,627$1,279$999$463
22 years$2,426$1,917$1,499$1,163$896$396
23 years$2,296$1,793$1,384$1,059$804$340
24 years$2,177$1,679$1,280$966$723$292
25 years$2,068$1,576$1,186$882$650$250
26 years$1,967$1,481$1,100$807$586$215
27 years$1,874$1,394$1,021$738$528$185
28 years$1,787$1,314$949$677$477$159
29 years$1,707$1,239$884$620$430$137
30 years$1,633$1,170$823$569$389$118
31 years$1,563$1,106$767$523$351$101
32 years$1,497$1,047$716$481$318$87
33 years$1,436$991$668$442$288$75
34 years$1,379$940$625$407$261$65
35 years$1,325$891$584$374$236$56
36 years$1,274$846$546$345$214$48
37 years$1,226$803$511$318$194$41
38 years$1,180$764$479$293$176$36
39 years$1,137$726$449$270$159$31
40 years$1,096$691$420$249$144$26
41 years$1,058$658$394$230$131$23
42 years$1,021$626$370$212$119$20
43 years$986$597$347$196$108$17
44 years$953$569$326$181$98$15
45 years$921$542$306$167$89$13
46 years$891$517$287$154$81$11
47 years$862$494$270$142$73$9
48 years$835$471$254$132$67$8
49 years$808$450$238$122$60$7
50 years$783$430$224$112$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $802,000, adding $3,936 every year, while hoping to spend $28,221 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: 68/24/8 Blend
51$802,000$802,000$802,000$802,000
52$887,864$845,358$832,927$946,683
53$948,399$856,754$830,803$997,596
54$1,014,163$867,762$827,662$1,049,468
55$1,085,659$878,334$823,441$1,105,438
56$1,163,442$888,417$818,071$1,165,904
57$1,248,120$897,957$811,483$1,231,303
58$1,340,365$906,893$803,605$1,302,115
59$1,440,914$915,163$794,357$1,378,873
60$1,550,579$922,698$783,661$1,462,160
61$1,670,256$929,428$771,431$1,552,622
62$1,800,927$935,275$757,579$1,650,971
63$1,943,676$940,158$742,012$1,757,988
64$2,099,697$943,991$724,635$1,874,540
65$2,270,300$946,681$705,345$2,001,577
66$2,456,933$948,131$684,036$2,140,151
67$2,661,187$948,236$660,598$2,291,418
68$2,884,815$946,886$634,915$2,456,654
69$3,129,746$943,964$606,865$2,637,268
70$3,398,107$939,345$576,322$2,834,809
71$3,692,239$932,898$543,153$3,050,988
72$4,014,719$924,481$507,220$3,287,690
73$4,368,386$913,947$468,378$3,546,994
74$4,756,369$901,138$426,477$3,831,191
75$5,182,113$885,887$381,357$4,142,808
76$5,649,410$868,018$332,855$4,484,630
77$6,162,442$847,343$280,797$4,859,728
78$6,725,812$823,663$225,005$5,271,487
79$7,344,592$796,770$165,290$5,723,640
80$8,024,369$766,440$101,456$6,220,302
81$8,771,298$732,440$33,298$6,766,008
82$9,592,160$694,518$0$7,365,761
83$10,494,425$652,414$0$8,028,439
84$11,486,322$605,849$0$8,760,007
85$12,576,919$554,528$0$9,564,339
86$13,776,205$498,140$0$10,448,843
87$15,095,187$436,357$0$11,421,683
88$16,545,989$368,832$0$12,491,859
89$18,141,973$295,198$0$13,669,291
90$19,897,858$215,067$0$14,964,910
91$21,829,864$128,029$0$16,390,769
92$23,955,861$33,653$0$17,960,149
93$26,295,539$0$0$19,687,691
94$28,870,594$0$0$21,607,627
95$31,704,931$0$0$23,730,721
96$34,824,891$0$0$26,067,822
97$38,259,498$0$0$28,640,679
98$42,040,732$0$0$31,473,257
99$46,203,833$0$0$34,591,961
100$50,787,631$0$0$38,025,889