Can I retire at age 52 with 808,000?

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 $808,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$66,724$66,130$65,550$64,984$64,431$63,442
2 years$33,032$32,416$31,820$31,242$30,681$29,687
3 years$21,802$21,185$20,590$20,017$19,466$18,497
4 years$16,189$15,573$14,984$14,421$13,883$12,948
5 years$12,822$12,209$11,628$11,077$10,554$9,655
6 years$10,577$9,970$9,397$8,858$8,351$7,489
7 years$8,975$8,373$7,809$7,283$6,791$5,967
8 years$7,774$7,177$6,623$6,109$5,634$4,847
9 years$6,840$6,249$5,704$5,204$4,745$3,995
10 years$6,094$5,508$4,973$4,486$4,043$3,329
11 years$5,483$4,903$4,378$3,904$3,477$2,799
12 years$4,975$4,401$3,886$3,424$3,013$2,370
13 years$4,545$3,977$3,472$3,023$2,627$2,018
14 years$4,177$3,615$3,119$2,684$2,303$1,726
15 years$3,858$3,303$2,816$2,393$2,028$1,483
16 years$3,580$3,030$2,553$2,143$1,792$1,278
17 years$3,334$2,791$2,323$1,925$1,589$1,104
18 years$3,116$2,579$2,121$1,735$1,413$957
19 years$2,921$2,390$1,942$1,568$1,259$830
20 years$2,746$2,221$1,782$1,420$1,125$722
21 years$2,588$2,069$1,639$1,289$1,007$629
22 years$2,444$1,931$1,511$1,172$902$548
23 years$2,313$1,806$1,395$1,067$810$478
24 years$2,193$1,692$1,290$973$728$418
25 years$2,083$1,588$1,195$889$655$366
26 years$1,982$1,492$1,108$813$590$320
27 years$1,888$1,404$1,029$744$532$280
28 years$1,801$1,323$957$682$480$245
29 years$1,720$1,249$890$625$433$215
30 years$1,645$1,179$829$574$392$189
31 years$1,574$1,115$773$527$354$165
32 years$1,509$1,055$721$484$320$145
33 years$1,447$999$673$445$290$127
34 years$1,389$947$629$410$262$112
35 years$1,335$898$588$377$238$98
36 years$1,283$852$550$347$215$86
37 years$1,235$809$515$320$195$76
38 years$1,189$769$482$295$177$67
39 years$1,146$731$452$272$160$59
40 years$1,105$696$424$251$146$51
41 years$1,066$662$397$231$132$45
42 years$1,029$631$373$214$120$40
43 years$994$601$350$197$109$35
44 years$960$573$328$182$99$31
45 years$928$546$308$168$90$27
46 years$898$521$289$155$81$24
47 years$869$497$272$143$74$21
48 years$841$475$255$133$67$18
49 years$814$453$240$123$61$16
50 years$789$433$226$113$55$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $808,000, adding $6,086 every year, while hoping to spend $51,650 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: 40/33/27 Blend
51$808,000$808,000$808,000$808,000
52$896,694$853,870$841,346$925,206
53$933,201$840,754$814,576$933,330
54$971,702$825,265$785,178$936,850
55$1,012,343$807,231$753,009$939,663
56$1,055,288$786,471$717,921$941,738
57$1,100,714$762,795$679,758$943,042
58$1,148,814$735,998$638,356$943,544
59$1,199,798$705,867$593,546$943,217
60$1,253,897$672,175$545,150$942,034
61$1,311,364$634,681$492,982$939,970
62$1,372,474$593,131$436,848$937,006
63$1,437,528$547,256$376,544$933,126
64$1,506,858$496,774$311,860$928,317
65$1,580,824$441,382$242,574$922,573
66$1,659,823$380,765$168,455$915,895
67$1,744,289$314,587$89,263$908,292
68$1,834,699$242,494$4,745$899,780
69$1,931,574$164,112$0$890,388
70$2,035,486$79,045$0$904,771
71$2,147,065$0$0$921,424
72$2,267,000$0$0$943,896
73$2,396,048$0$0$999,035
74$2,535,039$0$0$1,058,503
75$2,684,888$0$0$1,122,699
76$2,846,596$0$0$1,192,065
77$3,021,265$0$0$1,267,084
78$3,210,107$0$0$1,348,287
79$3,414,452$0$0$1,436,261
80$3,635,763$0$0$1,531,646
81$3,875,648$0$0$1,635,151
82$4,135,876$0$0$1,747,553
83$4,418,393$0$0$1,869,707
84$4,725,336$0$0$2,002,553
85$5,059,060$0$0$2,147,127
86$5,422,154$0$0$2,304,567
87$5,817,466$0$0$2,476,127
88$6,248,131$0$0$2,663,185
89$6,717,598$0$0$2,867,260
90$7,229,664$0$0$3,090,022
91$7,788,507$0$0$3,333,310
92$8,398,727$0$0$3,599,150
93$9,065,386$0$0$3,889,768
94$9,794,059$0$0$4,207,620
95$10,590,884$0$0$4,555,408
96$11,462,615$0$0$4,936,106
97$12,416,695$0$0$5,352,991
98$13,461,315$0$0$5,809,671
99$14,605,496$0$0$6,310,117
100$15,859,175$0$0$6,858,707