Can I retire at age 52 with 805,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%18.1%
1 years$66,476$65,884$65,306$64,742$64,192$62,087
2 years$32,909$32,296$31,702$31,126$30,568$28,467
3 years$21,721$21,106$20,513$19,943$19,393$17,363
4 years$16,129$15,515$14,928$14,368$13,831$11,887
5 years$12,774$12,164$11,585$11,036$10,514$8,661
6 years$10,538$9,933$9,362$8,825$8,320$6,559
7 years$8,942$8,342$7,780$7,256$6,766$5,098
8 years$7,745$7,150$6,598$6,087$5,613$4,036
9 years$6,815$6,226$5,683$5,185$4,727$3,239
10 years$6,071$5,488$4,955$4,469$4,028$2,627
11 years$5,463$4,885$4,362$3,889$3,464$2,147
12 years$4,956$4,385$3,871$3,412$3,002$1,766
13 years$4,528$3,963$3,459$3,012$2,618$1,460
14 years$4,162$3,602$3,108$2,674$2,295$1,212
15 years$3,844$3,290$2,806$2,384$2,020$1,010
16 years$3,566$3,019$2,544$2,135$1,786$844
17 years$3,322$2,780$2,315$1,918$1,583$706
18 years$3,105$2,569$2,113$1,729$1,408$592
19 years$2,910$2,381$1,934$1,562$1,255$497
20 years$2,736$2,213$1,775$1,415$1,121$418
21 years$2,578$2,061$1,633$1,284$1,003$352
22 years$2,435$1,924$1,505$1,167$899$297
23 years$2,305$1,799$1,390$1,063$807$250
24 years$2,185$1,686$1,285$970$725$211
25 years$2,075$1,582$1,190$886$653$178
26 years$1,974$1,487$1,104$810$588$151
27 years$1,881$1,399$1,025$741$530$127
28 years$1,794$1,319$953$679$478$108
29 years$1,714$1,244$887$623$432$91
30 years$1,639$1,175$826$572$390$77
31 years$1,569$1,110$770$525$353$65
32 years$1,503$1,051$719$482$319$55
33 years$1,442$995$671$444$289$47
34 years$1,384$943$627$408$261$39
35 years$1,330$895$586$376$237$33
36 years$1,279$849$548$346$215$28
37 years$1,230$806$513$319$194$24
38 years$1,185$766$481$294$176$20
39 years$1,141$729$450$271$160$17
40 years$1,101$693$422$250$145$14
41 years$1,062$660$396$231$132$12
42 years$1,025$629$371$213$119$10
43 years$990$599$348$196$108$9
44 years$956$571$327$181$98$7
45 years$925$544$307$168$89$6
46 years$894$519$288$155$81$5
47 years$865$496$271$143$74$5
48 years$838$473$255$132$67$4
49 years$811$452$239$122$61$3
50 years$786$432$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 $805,000, adding $5,314 every year, while hoping to spend $20,397 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: 41/32/27 Blend
51$805,000$805,000$805,000$805,000
52$892,591$849,926$837,449$921,915
53$961,933$869,871$843,801$963,522
54$1,037,665$890,108$849,683$1,006,219
55$1,120,416$910,633$855,056$1,052,043
56$1,210,880$931,435$859,882$1,101,295
57$1,309,821$952,507$864,119$1,154,304
58$1,418,080$973,837$867,725$1,211,435
59$1,536,583$995,414$870,653$1,273,090
60$1,666,350$1,017,225$872,855$1,339,713
61$1,808,504$1,039,256$874,282$1,411,791
62$1,964,282$1,061,489$874,881$1,489,863
63$2,135,045$1,083,909$874,596$1,574,523
64$2,322,294$1,106,494$873,369$1,666,427
65$2,527,680$1,129,225$871,140$1,766,297
66$2,753,025$1,152,078$867,844$1,874,930
67$3,000,331$1,175,028$863,414$1,993,204
68$3,271,807$1,198,047$857,781$2,122,087
69$3,569,885$1,221,105$850,870$2,262,649
70$3,897,245$1,244,170$842,606$2,416,068
71$4,256,836$1,267,207$832,906$2,583,642
72$4,651,912$1,290,178$821,686$2,766,805
73$5,086,053$1,313,043$808,858$2,967,136
74$5,563,205$1,335,756$794,330$3,186,377
75$6,087,715$1,358,272$778,003$3,426,451
76$6,664,373$1,380,538$759,777$3,689,475
77$7,298,454$1,402,500$739,545$3,977,785
78$7,995,773$1,424,099$717,197$4,293,958
79$8,762,735$1,445,273$692,615$4,640,833
80$9,606,395$1,465,952$665,679$5,021,543
81$10,534,529$1,486,066$636,261$5,439,540
82$11,555,703$1,505,536$604,228$5,898,633
83$12,679,357$1,524,279$569,442$6,403,019
84$13,915,891$1,542,208$531,758$6,957,327
85$15,276,763$1,559,227$491,022$7,566,662
86$16,774,599$1,575,235$447,078$8,236,648
87$18,423,312$1,590,126$399,760$8,973,491
88$20,238,232$1,603,784$348,893$9,784,029
89$22,236,249$1,616,087$294,299$10,675,804
90$24,435,977$1,626,906$235,788$11,657,128
91$26,857,923$1,636,100$173,163$12,737,166
92$29,524,685$1,643,524$106,219$13,926,022
93$32,461,167$1,649,020$34,740$15,234,835
94$35,694,805$1,652,421$0$16,675,883
95$39,255,837$1,653,551$0$18,274,671
96$43,177,579$1,652,222$0$20,045,611
97$47,496,744$1,648,233$0$21,995,207
98$52,253,789$1,641,373$0$24,141,663
99$57,493,291$1,631,417$0$26,505,047
100$63,264,377$1,618,126$0$29,107,472