Can I retire at age 52 with 804,000?

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 $804,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$66,394$65,802$65,225$64,662$64,112$61,961
2 years$32,868$32,256$31,663$31,088$30,530$28,383
3 years$21,694$21,080$20,488$19,918$19,369$17,295
4 years$16,109$15,496$14,910$14,350$13,814$11,829
5 years$12,758$12,149$11,571$11,022$10,501$8,610
6 years$10,525$9,920$9,351$8,814$8,309$6,513
7 years$8,931$8,331$7,771$7,247$6,758$5,056
8 years$7,736$7,141$6,590$6,079$5,606$3,998
9 years$6,806$6,218$5,676$5,178$4,721$3,205
10 years$6,063$5,481$4,949$4,464$4,023$2,596
11 years$5,456$4,879$4,357$3,885$3,460$2,119
12 years$4,950$4,379$3,866$3,407$2,998$1,741
13 years$4,523$3,958$3,454$3,008$2,614$1,437
14 years$4,156$3,597$3,104$2,670$2,292$1,192
15 years$3,839$3,286$2,802$2,381$2,018$991
16 years$3,562$3,015$2,541$2,132$1,783$827
17 years$3,318$2,777$2,312$1,916$1,581$691
18 years$3,101$2,566$2,110$1,727$1,406$579
19 years$2,907$2,378$1,932$1,560$1,253$485
20 years$2,733$2,210$1,773$1,413$1,119$408
21 years$2,575$2,058$1,631$1,282$1,002$343
22 years$2,432$1,921$1,503$1,166$898$288
23 years$2,302$1,797$1,388$1,062$806$243
24 years$2,182$1,684$1,284$969$724$205
25 years$2,073$1,580$1,189$884$652$172
26 years$1,972$1,485$1,103$809$587$145
27 years$1,878$1,398$1,024$740$529$123
28 years$1,792$1,317$952$678$478$104
29 years$1,712$1,242$886$622$431$87
30 years$1,637$1,173$825$571$390$74
31 years$1,567$1,109$769$524$352$62
32 years$1,501$1,049$718$482$319$53
33 years$1,440$994$670$443$288$44
34 years$1,382$942$626$408$261$38
35 years$1,328$893$585$375$237$32
36 years$1,277$848$548$346$214$27
37 years$1,229$805$513$318$194$23
38 years$1,183$765$480$293$176$19
39 years$1,140$728$450$271$160$16
40 years$1,099$692$421$250$145$14
41 years$1,060$659$395$230$131$12
42 years$1,024$628$371$213$119$10
43 years$989$598$348$196$108$8
44 years$955$570$327$181$98$7
45 years$924$544$307$167$89$6
46 years$893$519$288$155$81$5
47 years$864$495$271$143$74$4
48 years$837$473$254$132$67$4
49 years$810$451$239$122$61$3
50 years$785$431$225$113$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $804,000, adding $6,098 every year, while hoping to spend $26,513 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: 34/46/20 Blend
51$804,000$804,000$804,000$804,000
52$892,298$849,686$837,224$916,986
53$955,103$863,111$837,061$949,167
54$1,023,425$876,305$836,005$980,971
55$1,097,800$889,229$833,996$1,014,718
56$1,178,815$901,841$830,975$1,050,594
57$1,267,119$914,096$826,877$1,088,809
58$1,363,423$925,945$821,636$1,129,591
59$1,468,513$937,337$815,181$1,173,195
60$1,583,252$948,217$807,440$1,219,904
61$1,708,590$958,527$798,336$1,270,029
62$1,845,574$968,202$787,788$1,323,915
63$1,995,355$977,177$775,712$1,381,945
64$2,159,203$985,380$762,019$1,444,541
65$2,338,513$992,734$746,618$1,512,170
66$2,534,823$999,160$729,412$1,585,350
67$2,749,827$1,004,571$710,299$1,664,654
68$2,985,390$1,008,876$689,175$1,750,712
69$3,243,565$1,011,976$665,928$1,844,227
70$3,526,614$1,013,769$640,442$1,945,970
71$3,837,030$1,014,144$612,597$2,056,798
72$4,177,554$1,012,984$582,267$2,177,656
73$4,551,210$1,010,166$549,318$2,309,590
74$4,961,327$1,005,558$513,614$2,453,754
75$5,411,571$999,019$475,009$2,611,426
76$5,905,982$990,402$433,352$2,784,016
77$6,449,010$979,549$388,487$2,973,083
78$7,045,556$966,294$340,248$3,180,349
79$7,701,020$950,460$288,464$3,407,717
80$8,421,351$931,859$232,955$3,657,289
81$9,213,103$910,295$173,533$3,931,385
82$10,083,496$885,556$110,003$4,232,570
83$11,040,485$857,420$42,160$4,563,675
84$12,092,834$825,653$0$4,927,825
85$13,250,198$790,005$0$5,334,927
86$14,523,216$750,213$0$5,792,358
87$15,923,609$705,998$0$6,295,368
88$17,464,291$657,066$0$6,848,656
89$19,159,492$603,106$0$7,457,400
90$21,024,889$543,787$0$8,127,316
91$23,077,758$478,763$0$8,864,708
92$25,337,131$407,664$0$9,676,530
93$27,823,982$330,103$0$10,570,451
94$30,561,420$245,670$0$11,554,933
95$33,574,906$153,930$0$12,639,306
96$36,892,500$54,425$0$13,833,860
97$40,545,116$0$0$15,149,946
98$44,566,821$0$0$16,627,074
99$48,995,152$0$0$18,284,038
100$53,871,471$0$0$20,108,783