Can I retire at age 52 with 806,000?

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 $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%16.1%
1 years$66,559$65,966$65,387$64,823$64,272$62,667
2 years$32,950$32,336$31,741$31,165$30,606$28,999
3 years$21,748$21,132$20,539$19,968$19,417$17,859
4 years$16,149$15,534$14,947$14,386$13,849$12,351
5 years$12,790$12,179$11,599$11,049$10,528$9,094
6 years$10,551$9,945$9,374$8,836$8,330$6,963
7 years$8,953$8,352$7,790$7,265$6,775$5,473
8 years$7,755$7,159$6,606$6,094$5,620$4,385
9 years$6,823$6,233$5,690$5,191$4,733$3,562
10 years$6,079$5,494$4,961$4,475$4,033$2,925
11 years$5,470$4,891$4,367$3,894$3,468$2,422
12 years$4,963$4,390$3,876$3,416$3,006$2,019
13 years$4,534$3,967$3,463$3,016$2,621$1,692
14 years$4,167$3,606$3,111$2,677$2,297$1,424
15 years$3,849$3,294$2,809$2,387$2,023$1,203
16 years$3,571$3,023$2,547$2,138$1,788$1,019
17 years$3,326$2,784$2,318$1,921$1,585$866
18 years$3,108$2,572$2,116$1,731$1,409$737
19 years$2,914$2,384$1,937$1,564$1,256$628
20 years$2,739$2,215$1,778$1,417$1,122$537
21 years$2,581$2,063$1,635$1,286$1,004$459
22 years$2,438$1,926$1,507$1,169$900$393
23 years$2,307$1,801$1,391$1,065$808$336
24 years$2,188$1,688$1,287$971$726$288
25 years$2,078$1,584$1,192$887$654$248
26 years$1,977$1,489$1,105$811$589$212
27 years$1,883$1,401$1,026$742$531$182
28 years$1,796$1,320$954$680$479$157
29 years$1,716$1,245$888$624$432$135
30 years$1,641$1,176$827$572$391$116
31 years$1,571$1,112$771$526$353$100
32 years$1,505$1,052$719$483$320$86
33 years$1,443$996$672$444$289$74
34 years$1,386$944$628$409$262$63
35 years$1,331$896$587$376$237$55
36 years$1,280$850$549$346$215$47
37 years$1,232$807$514$319$195$40
38 years$1,186$767$481$294$177$35
39 years$1,143$730$451$271$160$30
40 years$1,102$694$423$250$145$26
41 years$1,063$661$396$231$132$22
42 years$1,026$629$372$213$120$19
43 years$991$600$349$197$108$16
44 years$958$572$327$182$98$14
45 years$926$545$307$168$89$12
46 years$895$520$289$155$81$11
47 years$866$496$271$143$74$9
48 years$839$474$255$132$67$8
49 years$812$452$240$122$61$7
50 years$787$432$225$113$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $806,000, adding $3,080 every year, while hoping to spend $31,496 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: 80/14/6 Blend
51$806,000$806,000$806,000$806,000
52$891,389$848,671$836,178$962,048
53$948,799$856,744$830,678$1,016,825
54$1,011,010$864,158$823,939$1,072,436
55$1,078,477$870,846$815,885$1,132,496
56$1,151,702$876,738$806,438$1,197,433
57$1,231,238$881,760$795,516$1,267,717
58$1,317,692$885,834$783,033$1,343,867
59$1,411,731$888,874$768,899$1,426,453
60$1,514,090$890,792$753,021$1,516,105
61$1,625,579$891,493$735,298$1,613,517
62$1,747,087$890,874$715,629$1,719,450
63$1,879,593$888,830$693,906$1,834,746
64$2,024,175$885,247$670,016$1,960,332
65$2,182,020$880,003$643,840$2,097,229
66$2,354,433$872,970$615,256$2,246,562
67$2,542,853$864,013$584,135$2,409,570
68$2,748,862$852,988$550,341$2,587,621
69$2,974,203$839,741$513,735$2,782,218
70$3,220,795$824,112$474,168$2,995,021
71$3,490,750$805,928$431,488$3,227,859
72$3,786,397$785,009$385,532$3,482,746
73$4,110,296$761,161$336,135$3,761,903
74$4,465,271$734,182$283,119$4,067,776
75$4,854,428$703,856$226,303$4,403,063
76$5,281,191$669,956$165,495$4,770,737
77$5,749,329$632,241$100,496$5,174,073
78$6,262,995$590,456$31,098$5,616,682
79$6,826,763$544,330$0$6,102,544
80$7,445,671$493,581$0$6,638,794
81$8,125,269$437,906$0$7,229,821
82$8,871,670$376,987$0$7,878,973
83$9,691,609$310,488$0$8,592,139
84$10,592,506$238,055$0$9,375,808
85$11,582,533$159,311$0$10,237,131
86$12,670,695$73,861$0$11,183,986
87$13,866,912$0$0$12,225,059
88$15,182,113$0$0$13,372,803
89$16,628,339$0$0$14,647,425
90$18,218,856$0$0$16,049,243
91$19,968,280$0$0$17,591,142
92$21,892,715$0$0$19,287,318
93$24,009,904$0$0$21,153,413
94$26,339,397$0$0$23,206,661
95$28,902,732$0$0$25,466,052
96$31,723,645$0$0$27,952,509
97$34,828,285$0$0$30,689,086
98$38,245,467$0$0$33,701,184
99$42,006,939$0$0$37,016,793
100$46,147,685$0$0$40,666,754