Can I retire at age 52 with 806,000?

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 $806,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$66,559$65,966$65,387$64,823$64,272$61,795
2 years$32,950$32,336$31,741$31,165$30,606$28,140
3 years$21,748$21,132$20,539$19,968$19,417$17,040
4 years$16,149$15,534$14,947$14,386$13,849$11,578
5 years$12,790$12,179$11,599$11,049$10,528$8,370
6 years$10,551$9,945$9,374$8,836$8,330$6,286
7 years$8,953$8,352$7,790$7,265$6,775$4,844
8 years$7,755$7,159$6,606$6,094$5,620$3,801
9 years$6,823$6,233$5,690$5,191$4,733$3,023
10 years$6,079$5,494$4,961$4,475$4,033$2,428
11 years$5,470$4,891$4,367$3,894$3,468$1,966
12 years$4,963$4,390$3,876$3,416$3,006$1,601
13 years$4,534$3,967$3,463$3,016$2,621$1,310
14 years$4,167$3,606$3,111$2,677$2,297$1,076
15 years$3,849$3,294$2,809$2,387$2,023$887
16 years$3,571$3,023$2,547$2,138$1,788$733
17 years$3,326$2,784$2,318$1,921$1,585$607
18 years$3,108$2,572$2,116$1,731$1,409$503
19 years$2,914$2,384$1,937$1,564$1,256$418
20 years$2,739$2,215$1,778$1,417$1,122$347
21 years$2,581$2,063$1,635$1,286$1,004$289
22 years$2,438$1,926$1,507$1,169$900$241
23 years$2,307$1,801$1,391$1,065$808$201
24 years$2,188$1,688$1,287$971$726$167
25 years$2,078$1,584$1,192$887$654$140
26 years$1,977$1,489$1,105$811$589$117
27 years$1,883$1,401$1,026$742$531$97
28 years$1,796$1,320$954$680$479$81
29 years$1,716$1,245$888$624$432$68
30 years$1,641$1,176$827$572$391$57
31 years$1,571$1,112$771$526$353$47
32 years$1,505$1,052$719$483$320$40
33 years$1,443$996$672$444$289$33
34 years$1,386$944$628$409$262$28
35 years$1,331$896$587$376$237$23
36 years$1,280$850$549$346$215$19
37 years$1,232$807$514$319$195$16
38 years$1,186$767$481$294$177$13
39 years$1,143$730$451$271$160$11
40 years$1,102$694$423$250$145$9
41 years$1,063$661$396$231$132$8
42 years$1,026$629$372$213$120$7
43 years$991$600$349$197$108$6
44 years$958$572$327$182$98$5
45 years$926$545$307$168$89$4
46 years$895$520$289$155$81$3
47 years$866$496$271$143$74$3
48 years$839$474$255$132$67$2
49 years$812$452$240$122$61$2
50 years$787$432$225$113$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $806,000, adding $3,204 every year, while hoping to spend $32,199 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: 53/35/12 Blend
51$806,000$806,000$806,000$806,000
52$891,517$848,799$836,306$935,806
53$948,192$856,131$830,063$973,651
54$1,009,569$862,742$822,531$1,011,074
55$1,076,093$868,565$813,634$1,051,046
56$1,148,255$873,524$803,291$1,093,817
57$1,226,592$877,543$791,417$1,139,663
58$1,311,699$880,536$777,923$1,188,887
59$1,404,225$882,416$762,717$1,241,828
60$1,504,890$883,088$745,702$1,298,856
61$1,614,482$882,452$726,776$1,360,385
62$1,733,869$880,402$705,832$1,426,868
63$1,864,007$876,825$682,761$1,498,809
64$2,005,947$871,601$657,445$1,576,763
65$2,160,847$864,604$629,763$1,661,346
66$2,329,982$855,697$599,588$1,753,236
67$2,514,753$844,739$566,787$1,853,184
68$2,716,704$831,578$531,221$1,962,018
69$2,937,537$816,054$492,746$2,080,655
70$3,179,121$797,997$451,209$2,210,108
71$3,443,519$777,226$406,452$2,351,493
72$3,733,000$753,552$358,310$2,506,046
73$4,050,062$726,772$306,609$2,675,131
74$4,397,458$696,673$251,170$2,860,256
75$4,778,218$663,030$191,804$3,063,084
76$5,195,681$625,603$128,314$3,285,453
77$5,653,522$584,139$60,495$3,529,391
78$6,155,792$538,373$0$3,797,140
79$6,706,950$488,020$0$4,092,694
80$7,311,909$432,783$0$4,425,628
81$7,976,081$372,347$0$4,791,234
82$8,705,426$306,377$0$5,192,869
83$9,506,512$234,522$0$5,634,240
84$10,386,572$156,409$0$6,119,435
85$11,353,576$71,647$0$6,652,966
86$12,416,303$0$0$7,239,805
87$13,584,425$0$0$7,893,215
88$14,868,598$0$0$8,641,961
89$16,280,561$0$0$9,465,303
90$17,833,248$0$0$10,370,794
91$19,540,909$0$0$11,366,757
92$21,419,245$0$0$12,462,359
93$23,485,554$0$0$13,667,703
94$25,758,895$0$0$14,993,919
95$28,260,268$0$0$16,453,270
96$31,012,811$0$0$18,059,269
97$34,042,019$0$0$19,826,804
98$37,375,981$0$0$21,772,281
99$41,045,650$0$0$23,913,776
100$45,085,131$0$0$26,271,206