Can I retire at age 52 with 809,000?

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 $809,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$66,806$66,211$65,631$65,064$64,511$62,222
2 years$33,073$32,457$31,860$31,281$30,719$28,438
3 years$21,829$21,211$20,615$20,042$19,490$17,287
4 years$16,209$15,592$15,003$14,439$13,900$11,793
5 years$12,837$12,224$11,643$11,091$10,567$8,561
6 years$10,591$9,982$9,409$8,869$8,361$6,458
7 years$8,986$8,383$7,819$7,292$6,800$5,000
8 years$7,784$7,186$6,631$6,117$5,641$3,942
9 years$6,849$6,257$5,711$5,210$4,751$3,150
10 years$6,101$5,515$4,979$4,491$4,048$2,543
11 years$5,490$4,910$4,384$3,909$3,481$2,069
12 years$4,981$4,407$3,890$3,429$3,017$1,695
13 years$4,551$3,982$3,476$3,027$2,631$1,394
14 years$4,182$3,620$3,123$2,687$2,306$1,152
15 years$3,863$3,307$2,820$2,396$2,030$955
16 years$3,584$3,034$2,556$2,146$1,794$793
17 years$3,338$2,794$2,326$1,928$1,591$661
18 years$3,120$2,582$2,124$1,737$1,415$551
19 years$2,925$2,393$1,944$1,570$1,261$461
20 years$2,750$2,223$1,784$1,422$1,126$385
21 years$2,591$2,071$1,641$1,290$1,008$323
22 years$2,447$1,933$1,512$1,173$903$270
23 years$2,316$1,808$1,397$1,068$811$227
24 years$2,196$1,694$1,292$975$729$190
25 years$2,086$1,590$1,196$890$656$160
26 years$1,984$1,494$1,109$814$591$134
27 years$1,890$1,406$1,030$745$533$113
28 years$1,803$1,325$958$682$481$95
29 years$1,722$1,250$891$626$434$80
30 years$1,647$1,181$830$574$392$67
31 years$1,576$1,116$774$527$355$56
32 years$1,511$1,056$722$485$321$47
33 years$1,449$1,000$674$446$290$40
34 years$1,391$948$630$410$263$34
35 years$1,336$899$589$378$238$28
36 years$1,285$853$551$348$216$24
37 years$1,236$810$516$320$195$20
38 years$1,191$770$483$295$177$17
39 years$1,147$732$452$272$161$14
40 years$1,106$697$424$251$146$12
41 years$1,067$663$398$232$132$10
42 years$1,030$632$373$214$120$8
43 years$995$602$350$197$109$7
44 years$961$574$329$182$99$6
45 years$929$547$308$168$90$5
46 years$899$522$290$155$81$4
47 years$870$498$272$144$74$4
48 years$842$475$256$133$67$3
49 years$815$454$240$123$61$3
50 years$790$434$226$113$55$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $809,000, adding $3,936 every year, while hoping to spend $52,169 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: 39/45/16 Blend
51$809,000$809,000$809,000$809,000
52$895,578$852,701$840,161$926,075
53$931,420$838,976$812,799$934,478
54$969,168$822,830$782,772$938,232
55$1,008,964$804,089$749,936$941,180
56$1,050,959$782,570$714,139$943,276
57$1,095,318$758,077$675,224$944,473
58$1,142,222$730,404$633,025$944,724
59$1,191,868$699,334$587,372$943,982
60$1,244,473$664,635$538,083$942,202
61$1,300,271$626,064$484,970$939,338
62$1,359,519$583,362$427,837$935,347
63$1,422,499$536,256$366,479$930,188
64$1,489,519$484,457$300,681$923,820
65$1,560,915$427,661$230,219$916,208
66$1,637,057$365,545$154,860$907,319
67$1,718,349$297,769$74,360$897,127
68$1,805,233$223,972$0$885,610
69$1,898,196$143,775$0$874,725
70$1,997,768$56,777$0$876,170
71$2,104,535$0$0$877,287
72$2,219,136$0$0$896,683
73$2,342,275$0$0$947,809
74$2,474,723$0$0$1,002,878
75$2,617,326$0$0$1,062,254
76$2,771,016$0$0$1,126,334
77$2,936,814$0$0$1,195,556
78$3,115,843$0$0$1,270,400
79$3,309,336$0$0$1,351,395
80$3,518,649$0$0$1,439,121
81$3,745,273$0$0$1,534,215
82$3,990,845$0$0$1,637,382
83$4,257,168$0$0$1,749,391
84$4,546,222$0$0$1,871,093
85$4,860,187$0$0$2,003,421
86$5,201,459$0$0$2,147,403
87$5,572,676$0$0$2,304,170
88$5,976,737$0$0$2,474,965
89$6,416,835$0$0$2,661,159
90$6,896,483$0$0$2,864,257
91$7,419,547$0$0$3,085,918
92$7,990,282$0$0$3,327,969
93$8,613,371$0$0$3,592,418
94$9,293,969$0$0$3,881,478
95$10,037,753$0$0$4,197,586
96$10,850,970$0$0$4,543,422
97$11,740,500$0$0$4,921,941
98$12,713,918$0$0$5,336,394
99$13,779,566$0$0$5,790,363
100$14,946,627$0$0$6,287,790