Can I retire at age 52 with 807,000?

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 $807,000?

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$66,641$66,048$65,469$64,903$64,351$62,242
2 years$32,991$32,376$31,781$31,203$30,643$28,538
3 years$21,775$21,158$20,564$19,992$19,441$17,407
4 years$16,169$15,554$14,966$14,403$13,866$11,917
5 years$12,806$12,194$11,614$11,063$10,541$8,683
6 years$10,564$9,957$9,386$8,847$8,340$6,575
7 years$8,964$8,362$7,800$7,274$6,783$5,111
8 years$7,764$7,168$6,615$6,102$5,627$4,046
9 years$6,832$6,241$5,697$5,197$4,739$3,247
10 years$6,086$5,501$4,967$4,480$4,038$2,633
11 years$5,476$4,897$4,373$3,899$3,473$2,153
12 years$4,969$4,396$3,881$3,420$3,009$1,771
13 years$4,539$3,972$3,467$3,019$2,624$1,464
14 years$4,172$3,611$3,115$2,680$2,300$1,216
15 years$3,854$3,298$2,813$2,390$2,025$1,012
16 years$3,575$3,026$2,550$2,140$1,790$846
17 years$3,330$2,787$2,321$1,923$1,587$708
18 years$3,112$2,575$2,118$1,733$1,411$594
19 years$2,918$2,387$1,939$1,566$1,258$499
20 years$2,743$2,218$1,780$1,418$1,124$419
21 years$2,585$2,066$1,637$1,287$1,005$353
22 years$2,441$1,929$1,509$1,170$901$298
23 years$2,310$1,804$1,393$1,066$809$251
24 years$2,191$1,690$1,288$972$727$212
25 years$2,081$1,586$1,193$888$654$179
26 years$1,979$1,491$1,107$812$589$151
27 years$1,885$1,403$1,028$743$531$128
28 years$1,799$1,322$955$681$479$108
29 years$1,718$1,247$889$624$433$91
30 years$1,643$1,178$828$573$391$77
31 years$1,572$1,113$772$526$354$65
32 years$1,507$1,053$720$484$320$55
33 years$1,445$998$673$445$290$47
34 years$1,387$945$628$409$262$40
35 years$1,333$897$588$377$237$33
36 years$1,282$851$550$347$215$28
37 years$1,233$808$514$320$195$24
38 years$1,188$768$482$295$177$20
39 years$1,144$731$451$272$160$17
40 years$1,103$695$423$251$145$15
41 years$1,064$662$397$231$132$12
42 years$1,027$630$372$213$120$10
43 years$992$600$349$197$109$9
44 years$959$572$328$182$99$7
45 years$927$546$308$168$90$6
46 years$897$521$289$155$81$5
47 years$868$497$272$143$74$5
48 years$840$474$255$132$67$4
49 years$813$453$240$122$61$3
50 years$788$433$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 $807,000, adding $5,302 every year, while hoping to spend $59,222 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: 71/18/11 Blend
51$807,000$807,000$807,000$807,000
52$894,783$852,012$839,504$955,948
53$923,039$830,749$804,615$975,890
54$952,193$806,459$766,573$989,958
55$982,272$778,931$725,209$1,003,766
56$1,013,308$747,943$680,348$1,017,277
57$1,045,331$713,258$631,805$1,030,450
58$1,078,374$674,626$579,389$1,043,241
59$1,112,468$631,784$522,900$1,055,603
60$1,147,650$584,451$462,127$1,067,486
61$1,183,954$532,333$396,852$1,078,839
62$1,221,418$475,118$326,847$1,089,605
63$1,260,079$412,475$251,872$1,099,725
64$1,299,976$344,055$171,679$1,109,136
65$1,341,151$269,492$86,008$1,117,771
66$1,383,647$188,395$0$1,125,559
67$1,427,506$100,353$0$1,133,060
68$1,472,775$4,934$0$1,150,375
69$1,519,501$0$0$1,167,346
70$1,567,732$0$0$1,203,397
71$1,617,520$0$0$1,241,620
72$1,668,918$0$0$1,281,080
73$1,721,981$0$0$1,321,819
74$1,776,765$0$0$1,363,880
75$1,833,330$0$0$1,407,309
76$1,891,738$0$0$1,452,154
77$1,952,052$0$0$1,498,464
78$2,014,341$0$0$1,546,291
79$2,078,673$0$0$1,595,688
80$2,145,121$0$0$1,646,711
81$2,213,761$0$0$1,699,419
82$2,284,673$0$0$1,753,872
83$2,357,938$0$0$1,810,135
84$2,433,644$0$0$1,868,274
85$2,511,880$0$0$1,928,358
86$2,592,742$0$0$1,990,460
87$2,676,328$0$0$2,054,658
88$2,762,742$0$0$2,121,030
89$2,852,093$0$0$2,189,662
90$2,944,497$0$0$2,260,641
91$3,040,072$0$0$2,334,061
92$3,138,946$0$0$2,410,018
93$3,241,251$0$0$2,488,617
94$3,347,130$0$0$2,569,965
95$3,456,728$0$0$2,654,177
96$3,570,204$0$0$2,741,374
97$3,687,723$0$0$2,831,684
98$3,809,459$0$0$2,925,242
99$3,935,598$0$0$3,022,192
100$4,066,337$0$0$3,122,686