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%12.3%
1 years$66,806$66,211$65,631$65,064$64,511$63,890
2 years$33,073$32,457$31,860$31,281$30,719$30,094
3 years$21,829$21,211$20,615$20,042$19,490$18,879
4 years$16,209$15,592$15,003$14,439$13,900$13,309
5 years$12,837$12,224$11,643$11,091$10,567$9,997
6 years$10,591$9,982$9,409$8,869$8,361$7,814
7 years$8,986$8,383$7,819$7,292$6,800$6,274
8 years$7,784$7,186$6,631$6,117$5,641$5,138
9 years$6,849$6,257$5,711$5,210$4,751$4,269
10 years$6,101$5,515$4,979$4,491$4,048$3,588
11 years$5,490$4,910$4,384$3,909$3,481$3,043
12 years$4,981$4,407$3,890$3,429$3,017$2,600
13 years$4,551$3,982$3,476$3,027$2,631$2,234
14 years$4,182$3,620$3,123$2,687$2,306$1,929
15 years$3,863$3,307$2,820$2,396$2,030$1,673
16 years$3,584$3,034$2,556$2,146$1,794$1,456
17 years$3,338$2,794$2,326$1,928$1,591$1,270
18 years$3,120$2,582$2,124$1,737$1,415$1,112
19 years$2,925$2,393$1,944$1,570$1,261$975
20 years$2,750$2,223$1,784$1,422$1,126$856
21 years$2,591$2,071$1,641$1,290$1,008$754
22 years$2,447$1,933$1,512$1,173$903$664
23 years$2,316$1,808$1,397$1,068$811$586
24 years$2,196$1,694$1,292$975$729$518
25 years$2,086$1,590$1,196$890$656$458
26 years$1,984$1,494$1,109$814$591$405
27 years$1,890$1,406$1,030$745$533$358
28 years$1,803$1,325$958$682$481$318
29 years$1,722$1,250$891$626$434$282
30 years$1,647$1,181$830$574$392$250
31 years$1,576$1,116$774$527$355$222
32 years$1,511$1,056$722$485$321$197
33 years$1,449$1,000$674$446$290$175
34 years$1,391$948$630$410$263$155
35 years$1,336$899$589$378$238$138
36 years$1,285$853$551$348$216$123
37 years$1,236$810$516$320$195$109
38 years$1,191$770$483$295$177$97
39 years$1,147$732$452$272$161$86
40 years$1,106$697$424$251$146$77
41 years$1,067$663$398$232$132$68
42 years$1,030$632$373$214$120$61
43 years$995$602$350$197$109$54
44 years$961$574$329$182$99$48
45 years$929$547$308$168$90$43
46 years$899$522$290$155$81$38
47 years$870$498$272$144$74$34
48 years$842$475$256$133$67$30
49 years$815$454$240$123$61$27
50 years$790$434$226$113$55$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $809,000, adding $4,500 every year, while hoping to spend $50,017 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: 70/15/15 Blend
51$809,000$809,000$809,000$809,000
52$896,160$853,283$840,743$955,509
53$934,350$841,876$815,690$984,138
54$974,760$828,234$788,122$1,009,030
55$1,017,562$812,194$757,901$1,034,983
56$1,062,947$793,585$724,884$1,062,096
57$1,111,121$772,224$688,921$1,090,475
58$1,162,311$747,918$649,855$1,120,241
59$1,216,764$720,464$607,523$1,151,528
60$1,274,753$689,646$561,754$1,184,485
61$1,336,574$655,234$512,369$1,219,278
62$1,402,552$616,988$459,181$1,256,090
63$1,473,044$574,652$401,995$1,295,126
64$1,548,440$527,956$340,607$1,336,614
65$1,629,168$476,613$274,805$1,380,806
66$1,715,699$420,323$204,366$1,427,982
67$1,808,547$358,765$129,059$1,478,454
68$1,908,277$291,603$48,642$1,532,569
69$2,015,511$218,481$0$1,590,709
70$2,130,929$139,023$0$1,659,250
71$2,255,280$52,831$0$1,741,409
72$2,389,385$0$0$1,829,961
73$2,534,146$0$0$1,932,219
74$2,690,556$0$0$2,052,161
75$2,859,705$0$0$2,181,907
76$3,042,790$0$0$2,322,381
77$3,241,129$0$0$2,474,598
78$3,456,170$0$0$2,639,673
79$3,689,504$0$0$2,818,836
80$3,942,885$0$0$3,013,435
81$4,218,237$0$0$3,224,956
82$4,517,680$0$0$3,455,034
83$4,843,546$0$0$3,705,465
84$5,198,400$0$0$3,978,227
85$5,585,064$0$0$4,275,497
86$6,006,645$0$0$4,599,671
87$6,466,563$0$0$4,953,386
88$6,968,580$0$0$5,339,542
89$7,516,840$0$0$5,761,334
90$8,115,902$0$0$6,222,281
91$8,770,787$0$0$6,726,252
92$9,487,023$0$0$7,277,511
93$10,270,697$0$0$7,880,752
94$11,128,508$0$0$8,541,143
95$12,067,838$0$0$9,264,376
96$13,096,813$0$0$10,056,717
97$14,224,381$0$0$10,925,069
98$15,460,400$0$0$11,877,034
99$16,815,725$0$0$12,920,984
100$18,302,311$0$0$14,066,141