Can I retire at age 52 with 808,000?

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 $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%16.7%
1 years$66,724$66,130$65,550$64,984$64,431$62,670
2 years$33,032$32,416$31,820$31,242$30,681$28,920
3 years$21,802$21,185$20,590$20,017$19,466$17,759
4 years$16,189$15,573$14,984$14,421$13,883$12,245
5 years$12,822$12,209$11,628$11,077$10,554$8,988
6 years$10,577$9,970$9,397$8,858$8,351$6,859
7 years$8,975$8,373$7,809$7,283$6,791$5,373
8 years$7,774$7,177$6,623$6,109$5,634$4,289
9 years$6,840$6,249$5,704$5,204$4,745$3,472
10 years$6,094$5,508$4,973$4,486$4,043$2,840
11 years$5,483$4,903$4,378$3,904$3,477$2,343
12 years$4,975$4,401$3,886$3,424$3,013$1,945
13 years$4,545$3,977$3,472$3,023$2,627$1,624
14 years$4,177$3,615$3,119$2,684$2,303$1,361
15 years$3,858$3,303$2,816$2,393$2,028$1,145
16 years$3,580$3,030$2,553$2,143$1,792$966
17 years$3,334$2,791$2,323$1,925$1,589$817
18 years$3,116$2,579$2,121$1,735$1,413$692
19 years$2,921$2,390$1,942$1,568$1,259$588
20 years$2,746$2,221$1,782$1,420$1,125$500
21 years$2,588$2,069$1,639$1,289$1,007$425
22 years$2,444$1,931$1,511$1,172$902$362
23 years$2,313$1,806$1,395$1,067$810$309
24 years$2,193$1,692$1,290$973$728$264
25 years$2,083$1,588$1,195$889$655$225
26 years$1,982$1,492$1,108$813$590$192
27 years$1,888$1,404$1,029$744$532$164
28 years$1,801$1,323$957$682$480$140
29 years$1,720$1,249$890$625$433$120
30 years$1,645$1,179$829$574$392$103
31 years$1,574$1,115$773$527$354$88
32 years$1,509$1,055$721$484$320$75
33 years$1,447$999$673$445$290$64
34 years$1,389$947$629$410$262$55
35 years$1,335$898$588$377$238$47
36 years$1,283$852$550$347$215$40
37 years$1,235$809$515$320$195$35
38 years$1,189$769$482$295$177$30
39 years$1,146$731$452$272$160$25
40 years$1,105$696$424$251$146$22
41 years$1,066$662$397$231$132$19
42 years$1,029$631$373$214$120$16
43 years$994$601$350$197$109$14
44 years$960$573$328$182$99$12
45 years$928$546$308$168$90$10
46 years$898$521$289$155$81$9
47 years$869$497$272$143$74$7
48 years$841$475$255$133$67$6
49 years$814$453$240$123$61$5
50 years$789$433$226$113$55$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $808,000, adding $6,866 every year, while hoping to spend $56,338 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: 42/47/11 Blend
51$808,000$808,000$808,000$808,000
52$897,498$854,674$842,150$932,025
53$929,100$836,610$810,419$938,800
54$962,037$815,773$775,737$939,960
55$996,385$791,966$737,945$939,960
56$1,032,229$764,985$696,878$938,717
57$1,069,655$734,608$652,363$936,147
58$1,108,762$700,606$604,219$932,159
59$1,149,653$662,733$552,257$926,658
60$1,192,440$620,729$496,280$919,547
61$1,237,245$574,322$436,082$910,724
62$1,284,201$523,220$371,448$900,083
63$1,333,450$467,118$302,152$887,513
64$1,385,148$405,693$227,959$872,900
65$1,439,463$338,601$148,626$856,127
66$1,496,578$265,483$63,895$837,071
67$1,556,693$185,956$0$815,605
68$1,620,025$99,617$0$794,715
69$1,686,811$6,041$0$779,357
70$1,757,307$0$0$761,923
71$1,831,794$0$0$791,556
72$1,910,580$0$0$826,249
73$1,993,997$0$0$863,029
74$2,082,413$0$0$902,065
75$2,176,225$0$0$943,540
76$2,275,870$0$0$987,653
77$2,381,826$0$0$1,034,624
78$2,494,614$0$0$1,084,691
79$2,614,806$0$0$1,138,119
80$2,743,030$0$0$1,195,194
81$2,879,969$0$0$1,256,232
82$3,026,377$0$0$1,321,578
83$3,183,077$0$0$1,391,612
84$3,350,972$0$0$1,466,749
85$3,531,055$0$0$1,547,445
86$3,724,411$0$0$1,634,202
87$3,932,236$0$0$1,727,569
88$4,155,838$0$0$1,828,150
89$4,396,657$0$0$1,936,608
90$4,656,273$0$0$2,053,670
91$4,936,421$0$0$2,180,139
92$5,239,008$0$0$2,316,892
93$5,566,130$0$0$2,464,898
94$5,920,090$0$0$2,625,217
95$6,303,419$0$0$2,799,020
96$6,718,902$0$0$2,987,591
97$7,169,598$0$0$3,192,342
98$7,658,875$0$0$3,414,829
99$8,190,434$0$0$3,656,761
100$8,768,349$0$0$3,920,019