Can I retire at age 52 with 805,000?

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 $805,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$66,476$65,884$65,306$64,742$64,192$63,416
2 years$32,909$32,296$31,702$31,126$30,568$29,787
3 years$21,721$21,106$20,513$19,943$19,393$18,632
4 years$16,129$15,515$14,928$14,368$13,831$13,095
5 years$12,774$12,164$11,585$11,036$10,514$9,805
6 years$10,538$9,933$9,362$8,825$8,320$7,639
7 years$8,942$8,342$7,780$7,256$6,766$6,114
8 years$7,745$7,150$6,598$6,087$5,613$4,989
9 years$6,815$6,226$5,683$5,185$4,727$4,131
10 years$6,071$5,488$4,955$4,469$4,028$3,460
11 years$5,463$4,885$4,362$3,889$3,464$2,923
12 years$4,956$4,385$3,871$3,412$3,002$2,487
13 years$4,528$3,963$3,459$3,012$2,618$2,129
14 years$4,162$3,602$3,108$2,674$2,295$1,832
15 years$3,844$3,290$2,806$2,384$2,020$1,582
16 years$3,566$3,019$2,544$2,135$1,786$1,371
17 years$3,322$2,780$2,315$1,918$1,583$1,191
18 years$3,105$2,569$2,113$1,729$1,408$1,038
19 years$2,910$2,381$1,934$1,562$1,255$906
20 years$2,736$2,213$1,775$1,415$1,121$793
21 years$2,578$2,061$1,633$1,284$1,003$694
22 years$2,435$1,924$1,505$1,167$899$609
23 years$2,305$1,799$1,390$1,063$807$535
24 years$2,185$1,686$1,285$970$725$470
25 years$2,075$1,582$1,190$886$653$414
26 years$1,974$1,487$1,104$810$588$364
27 years$1,881$1,399$1,025$741$530$321
28 years$1,794$1,319$953$679$478$283
29 years$1,714$1,244$887$623$432$250
30 years$1,639$1,175$826$572$390$221
31 years$1,569$1,110$770$525$353$195
32 years$1,503$1,051$719$482$319$172
33 years$1,442$995$671$444$289$152
34 years$1,384$943$627$408$261$134
35 years$1,330$895$586$376$237$119
36 years$1,279$849$548$346$215$105
37 years$1,230$806$513$319$194$93
38 years$1,185$766$481$294$176$82
39 years$1,141$729$450$271$160$73
40 years$1,101$693$422$250$145$64
41 years$1,062$660$396$231$132$57
42 years$1,025$629$371$213$119$50
43 years$990$599$348$196$108$45
44 years$956$571$327$181$98$39
45 years$925$544$307$168$89$35
46 years$894$519$288$155$81$31
47 years$865$496$271$143$74$27
48 years$838$473$255$132$67$24
49 years$811$452$239$122$61$21
50 years$786$432$225$113$55$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $805,000, adding $4,169 every year, while hoping to spend $48,508 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: 56/26/18 Blend
51$805,000$805,000$805,000$805,000
52$891,410$848,745$836,268$936,838
53$930,722$838,722$812,671$958,218
54$972,418$826,581$786,657$975,922
55$1,016,689$812,169$758,095$994,126
56$1,063,747$795,320$726,847$1,012,889
57$1,113,820$775,862$692,767$1,032,279
58$1,167,160$753,610$655,705$1,052,372
59$1,224,043$728,368$615,503$1,073,256
60$1,284,769$699,932$571,996$1,095,031
61$1,349,669$668,082$525,012$1,117,808
62$1,419,105$632,589$474,370$1,141,715
63$1,493,475$593,206$419,882$1,166,896
64$1,573,213$549,677$361,352$1,193,512
65$1,658,798$501,729$298,574$1,221,745
66$1,750,753$449,072$231,335$1,251,802
67$1,849,655$391,401$159,410$1,283,912
68$1,956,136$328,395$82,566$1,318,334
69$2,070,888$259,713$558$1,355,358
70$2,194,675$184,995$0$1,395,310
71$2,328,333$103,862$0$1,455,254
72$2,472,784$15,912$0$1,520,097
73$2,629,038$0$0$1,590,239
74$2,798,206$0$0$1,688,927
75$2,981,512$0$0$1,800,854
76$3,180,298$0$0$1,922,297
77$3,396,042$0$0$2,054,167
78$3,630,370$0$0$2,197,466
79$3,885,070$0$0$2,353,294
80$4,162,107$0$0$2,522,865
81$4,463,646$0$0$2,707,513
82$4,792,068$0$0$2,908,705
83$5,149,992$0$0$3,128,057
84$5,540,303$0$0$3,367,347
85$5,966,172$0$0$3,628,532
86$6,431,095$0$0$3,913,765
87$6,938,915$0$0$4,225,419
88$7,493,866$0$0$4,566,104
89$8,100,609$0$0$4,938,694
90$8,764,274$0$0$5,346,353
91$9,490,510$0$0$5,792,567
92$10,285,540$0$0$6,281,173
93$11,156,213$0$0$6,816,397
94$12,110,074$0$0$7,402,891
95$13,155,430$0$0$8,045,781
96$14,301,432$0$0$8,750,712
97$15,558,156$0$0$9,523,899
98$16,936,703$0$0$10,372,191
99$18,449,297$0$0$11,303,130
100$20,109,404$0$0$12,325,023