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%13.8%
1 years$66,476$65,884$65,306$64,742$64,192$63,180
2 years$32,909$32,296$31,702$31,126$30,568$29,551
3 years$21,721$21,106$20,513$19,943$19,393$18,404
4 years$16,129$15,515$14,928$14,368$13,831$12,876
5 years$12,774$12,164$11,585$11,036$10,514$9,596
6 years$10,538$9,933$9,362$8,825$8,320$7,440
7 years$8,942$8,342$7,780$7,256$6,766$5,924
8 years$7,745$7,150$6,598$6,087$5,613$4,810
9 years$6,815$6,226$5,683$5,185$4,727$3,961
10 years$6,071$5,488$4,955$4,469$4,028$3,299
11 years$5,463$4,885$4,362$3,889$3,464$2,772
12 years$4,956$4,385$3,871$3,412$3,002$2,345
13 years$4,528$3,963$3,459$3,012$2,618$1,996
14 years$4,162$3,602$3,108$2,674$2,295$1,706
15 years$3,844$3,290$2,806$2,384$2,020$1,465
16 years$3,566$3,019$2,544$2,135$1,786$1,261
17 years$3,322$2,780$2,315$1,918$1,583$1,089
18 years$3,105$2,569$2,113$1,729$1,408$943
19 years$2,910$2,381$1,934$1,562$1,255$818
20 years$2,736$2,213$1,775$1,415$1,121$711
21 years$2,578$2,061$1,633$1,284$1,003$618
22 years$2,435$1,924$1,505$1,167$899$539
23 years$2,305$1,799$1,390$1,063$807$470
24 years$2,185$1,686$1,285$970$725$410
25 years$2,075$1,582$1,190$886$653$358
26 years$1,974$1,487$1,104$810$588$313
27 years$1,881$1,399$1,025$741$530$274
28 years$1,794$1,319$953$679$478$240
29 years$1,714$1,244$887$623$432$210
30 years$1,639$1,175$826$572$390$184
31 years$1,569$1,110$770$525$353$161
32 years$1,503$1,051$719$482$319$142
33 years$1,442$995$671$444$289$124
34 years$1,384$943$627$408$261$109
35 years$1,330$895$586$376$237$96
36 years$1,279$849$548$346$215$84
37 years$1,230$806$513$319$194$74
38 years$1,185$766$481$294$176$65
39 years$1,141$729$450$271$160$57
40 years$1,101$693$422$250$145$50
41 years$1,062$660$396$231$132$44
42 years$1,025$629$371$213$119$38
43 years$990$599$348$196$108$34
44 years$956$571$327$181$98$30
45 years$925$544$307$168$89$26
46 years$894$519$288$155$81$23
47 years$865$496$271$143$74$20
48 years$838$473$255$132$67$18
49 years$811$452$239$122$61$15
50 years$786$432$225$113$55$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $805,000, adding $5,086 every year, while hoping to spend $25,861 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: 28/47/25 Blend
51$805,000$805,000$805,000$805,000
52$892,356$849,691$837,214$910,269
53$955,861$863,810$837,744$938,927
54$1,024,976$877,754$837,426$967,098
55$1,100,247$891,487$836,203$996,832
56$1,182,273$904,971$834,017$1,028,280
57$1,271,714$918,165$830,807$1,061,611
58$1,369,298$931,023$826,507$1,097,009
59$1,475,823$943,500$821,052$1,134,680
60$1,592,169$955,544$814,369$1,174,854
61$1,719,306$967,101$806,386$1,217,784
62$1,858,300$978,114$797,025$1,263,749
63$2,010,325$988,520$786,204$1,313,061
64$2,176,675$998,255$773,839$1,366,066
65$2,358,774$1,007,247$759,840$1,423,144
66$2,558,189$1,015,422$744,115$1,484,719
67$2,776,647$1,022,701$726,566$1,551,258
68$3,016,051$1,028,998$707,091$1,623,282
69$3,278,493$1,034,224$685,583$1,701,363
70$3,566,280$1,038,282$661,932$1,786,138
71$3,881,953$1,041,071$636,019$1,878,310
72$4,228,311$1,042,482$607,724$1,978,657
73$4,608,434$1,042,399$576,918$2,088,041
74$5,025,718$1,040,700$543,469$2,207,415
75$5,483,903$1,037,256$507,236$2,337,833
76$5,987,107$1,031,928$468,075$2,480,459
77$6,539,870$1,024,570$425,834$2,636,584
78$7,147,190$1,015,027$380,352$2,807,632
79$7,814,574$1,003,135$331,465$2,995,178
80$8,548,091$988,718$278,999$3,200,965
81$9,354,423$971,593$222,773$3,426,916
82$10,240,937$951,563$162,598$3,675,160
83$11,215,743$928,421$98,276$3,948,045
84$12,287,783$901,947$29,602$4,248,169
85$13,466,903$871,909$0$4,578,401
86$14,763,956$838,061$0$4,953,563
87$16,190,895$800,142$0$5,374,685
88$17,760,895$757,877$0$5,837,793
89$19,488,468$710,975$0$6,347,220
90$21,389,607$659,128$0$6,907,747
91$23,481,931$602,009$0$7,524,652
92$25,784,855$539,275$0$8,203,754
93$28,319,772$470,562$0$8,951,474
94$31,110,255$395,484$0$9,774,895
95$34,182,275$313,637$0$10,681,831
96$37,564,452$224,591$0$11,680,901
97$41,288,323$127,893$0$12,781,610
98$45,388,636$23,063$0$13,994,446
99$49,903,681$0$0$15,330,972
100$54,875,651$0$0$16,850,699