Can I retire at age 52 with 803,000?

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 $803,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$66,311$65,720$65,144$64,582$64,032$63,549
2 years$32,827$32,216$31,623$31,049$30,492$30,004
3 years$21,667$21,053$20,462$19,893$19,345$18,869
4 years$16,089$15,476$14,891$14,332$13,797$13,336
5 years$12,742$12,134$11,556$11,008$10,488$10,043
6 years$10,512$9,908$9,339$8,803$8,299$7,871
7 years$8,920$8,321$7,761$7,238$6,749$6,338
8 years$7,726$7,132$6,582$6,072$5,599$5,205
9 years$6,798$6,210$5,669$5,172$4,715$4,337
10 years$6,056$5,474$4,942$4,458$4,018$3,656
11 years$5,449$4,873$4,351$3,880$3,455$3,110
12 years$4,944$4,374$3,862$3,403$2,994$2,665
13 years$4,517$3,953$3,450$3,004$2,611$2,298
14 years$4,151$3,593$3,100$2,667$2,289$1,991
15 years$3,834$3,282$2,799$2,379$2,015$1,732
16 years$3,558$3,011$2,538$2,130$1,781$1,513
17 years$3,314$2,773$2,309$1,914$1,579$1,325
18 years$3,097$2,563$2,108$1,724$1,404$1,163
19 years$2,903$2,375$1,930$1,558$1,252$1,024
20 years$2,729$2,207$1,771$1,411$1,118$903
21 years$2,572$2,056$1,629$1,281$1,000$797
22 years$2,429$1,919$1,501$1,165$897$705
23 years$2,299$1,795$1,386$1,061$805$625
24 years$2,180$1,682$1,282$967$724$554
25 years$2,070$1,578$1,187$883$651$491
26 years$1,969$1,483$1,101$808$586$437
27 years$1,876$1,396$1,023$739$529$388
28 years$1,790$1,315$951$677$477$345
29 years$1,709$1,241$885$621$431$307
30 years$1,635$1,172$824$570$389$274
31 years$1,565$1,108$768$524$352$244
32 years$1,499$1,048$717$481$318$217
33 years$1,438$993$669$442$288$194
34 years$1,381$941$625$407$261$173
35 years$1,326$892$585$375$236$154
36 years$1,275$847$547$345$214$138
37 years$1,227$804$512$318$194$123
38 years$1,182$764$479$293$176$110
39 years$1,139$727$449$270$160$98
40 years$1,098$692$421$249$145$88
41 years$1,059$658$395$230$131$78
42 years$1,022$627$370$212$119$70
43 years$987$597$347$196$108$62
44 years$954$569$326$181$98$56
45 years$922$543$306$167$89$50
46 years$892$518$288$154$81$45
47 years$863$494$270$143$73$40
48 years$836$472$254$132$67$36
49 years$809$451$239$122$61$32
50 years$784$430$224$113$55$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $803,000, adding $5,994 every year, while hoping to spend $30,278 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: 28/45/27 Blend
51$803,000$803,000$803,000$803,000
52$891,089$848,530$836,083$908,439
53$949,764$857,892$831,877$932,080
54$1,013,410$866,699$826,514$954,440
55$1,082,501$874,890$819,925$977,849
56$1,157,559$882,402$812,036$1,002,418
57$1,239,159$889,170$802,768$1,028,272
58$1,327,934$895,120$792,042$1,055,548
59$1,424,579$900,176$779,771$1,084,402
60$1,529,859$904,258$765,866$1,115,007
61$1,644,617$907,279$750,235$1,147,557
62$1,769,780$909,147$732,780$1,182,266
63$1,906,368$909,766$713,399$1,219,375
64$2,055,504$909,031$691,984$1,259,152
65$2,218,425$906,833$668,425$1,301,896
66$2,396,491$903,054$642,604$1,347,940
67$2,591,201$897,572$614,399$1,397,652
68$2,804,205$890,255$583,683$1,451,444
69$3,037,320$880,963$550,322$1,509,775
70$3,292,545$869,549$514,177$1,573,153
71$3,572,085$855,856$475,101$1,642,143
72$3,878,363$839,719$432,943$1,717,372
73$4,214,053$820,962$387,543$1,799,539
74$4,582,096$799,399$338,736$1,889,417
75$4,985,734$774,833$286,347$1,987,864
76$5,428,534$747,056$230,195$2,095,833
77$5,914,429$715,847$170,092$2,214,380
78$6,447,750$680,972$105,838$2,344,677
79$7,033,265$642,184$37,229$2,488,020
80$7,676,231$599,224$0$2,645,849
81$8,382,434$551,813$0$2,830,124
82$9,158,252$499,662$0$3,044,362
83$10,010,708$442,460$0$3,279,847
84$10,947,542$379,882$0$3,538,812
85$11,977,279$311,584$0$3,823,725
86$13,109,312$237,202$0$4,137,312
87$14,353,988$156,351$0$4,482,584
88$15,722,708$68,625$0$4,862,866
89$17,228,032$0$0$5,281,832
90$18,883,801$0$0$5,756,611
91$20,705,260$0$0$6,316,430
92$22,709,211$0$0$6,932,489
93$24,914,164$0$0$7,610,497
94$27,340,513$0$0$8,356,745
95$30,010,730$0$0$9,178,165
96$32,949,576$0$0$10,082,394
97$36,184,334$0$0$11,077,848
98$39,745,065$0$0$12,173,801
99$43,664,893$0$0$13,380,470
100$47,980,317$0$0$14,709,115