Can I retire at age 52 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$66,889$66,293$65,712$65,145$64,591$63,442
2 years$33,113$32,497$31,899$31,319$30,757$29,604
3 years$21,856$21,237$20,641$20,067$19,514$18,392
4 years$16,229$15,611$15,021$14,457$13,917$12,835
5 years$12,853$12,240$11,657$11,104$10,580$9,541
6 years$10,604$9,994$9,421$8,880$8,371$7,377
7 years$8,997$8,393$7,829$7,301$6,808$5,858
8 years$7,793$7,195$6,639$6,125$5,648$4,742
9 years$6,857$6,264$5,718$5,217$4,756$3,894
10 years$6,109$5,522$4,985$4,497$4,053$3,233
11 years$5,497$4,916$4,389$3,914$3,486$2,708
12 years$4,987$4,412$3,895$3,433$3,020$2,284
13 years$4,556$3,987$3,480$3,031$2,634$1,937
14 years$4,187$3,624$3,127$2,690$2,309$1,651
15 years$3,868$3,311$2,823$2,399$2,033$1,412
16 years$3,589$3,038$2,560$2,148$1,797$1,212
17 years$3,342$2,797$2,329$1,930$1,593$1,043
18 years$3,124$2,585$2,126$1,739$1,416$899
19 years$2,929$2,396$1,946$1,572$1,263$777
20 years$2,753$2,226$1,786$1,424$1,128$673
21 years$2,594$2,074$1,643$1,292$1,009$583
22 years$2,450$1,936$1,514$1,175$905$506
23 years$2,319$1,810$1,398$1,070$812$440
24 years$2,199$1,696$1,293$976$730$382
25 years$2,088$1,592$1,198$891$657$333
26 years$1,987$1,496$1,111$815$592$290
27 years$1,892$1,408$1,031$746$533$253
28 years$1,805$1,327$959$683$481$220
29 years$1,724$1,252$892$627$435$192
30 years$1,649$1,182$831$575$393$168
31 years$1,578$1,117$775$528$355$146
32 years$1,512$1,057$723$485$321$128
33 years$1,451$1,001$675$446$291$112
34 years$1,393$949$631$411$263$97
35 years$1,338$900$590$378$238$85
36 years$1,286$854$552$348$216$74
37 years$1,238$811$516$321$196$65
38 years$1,192$771$484$296$177$57
39 years$1,149$733$453$273$161$50
40 years$1,107$698$425$251$146$43
41 years$1,068$664$398$232$132$38
42 years$1,031$632$373$214$120$33
43 years$996$603$350$198$109$29
44 years$962$574$329$183$99$25
45 years$930$548$309$169$90$22
46 years$900$523$290$156$82$19
47 years$871$499$273$144$74$17
48 years$843$476$256$133$67$15
49 years$816$455$241$123$61$13
50 years$791$434$226$114$55$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $810,000, adding $3,085 every year, while hoping to spend $22,770 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: 61/30/9 Blend
51$810,000$810,000$810,000$810,000
52$895,802$852,872$840,317$948,483
53$962,947$870,436$844,241$1,001,702
54$1,036,177$888,097$847,533$1,056,854
55$1,116,090$905,836$850,147$1,116,462
56$1,203,342$923,633$852,038$1,180,955
57$1,298,655$941,464$853,154$1,250,809
58$1,402,827$959,305$853,444$1,326,546
59$1,516,734$977,128$852,852$1,408,742
60$1,641,339$994,906$851,321$1,498,030
61$1,777,706$1,012,607$848,791$1,595,109
62$1,927,004$1,030,197$845,198$1,700,750
63$2,090,522$1,047,640$840,476$1,815,801
64$2,269,679$1,064,898$834,554$1,941,197
65$2,466,035$1,081,927$827,361$2,077,967
66$2,681,313$1,098,684$818,820$2,227,249
67$2,917,407$1,115,119$808,851$2,390,292
68$3,176,405$1,131,182$797,369$2,568,477
69$3,460,605$1,146,817$784,288$2,763,322
70$3,772,539$1,161,964$769,515$2,976,504
71$4,114,999$1,176,561$752,954$3,209,869
72$4,491,055$1,190,539$734,504$3,465,451
73$4,904,094$1,203,826$714,061$3,745,493
74$5,357,843$1,216,345$691,514$4,052,469
75$5,856,411$1,228,014$666,748$4,389,102
76$6,404,324$1,238,745$639,642$4,758,396
77$7,006,565$1,248,445$610,071$5,163,661
78$7,668,629$1,257,013$577,903$5,608,547
79$8,396,567$1,264,344$543,000$6,097,074
80$9,197,045$1,270,325$505,218$6,633,676
81$10,077,408$1,274,835$464,408$7,223,238
82$11,045,750$1,277,749$420,412$7,871,147
83$12,110,987$1,278,928$373,066$8,583,338
84$13,282,943$1,278,231$322,199$9,366,354
85$14,572,442$1,275,504$267,632$10,227,407
86$15,991,412$1,270,584$209,178$11,174,445
87$17,552,993$1,263,299$146,642$12,216,232
88$19,271,664$1,253,467$79,821$13,362,422
89$21,163,380$1,240,893$8,501$14,623,662
90$23,245,720$1,225,373$0$16,011,682
91$25,538,055$1,206,687$0$17,545,906
92$28,061,728$1,184,607$0$19,235,389
93$30,840,258$1,158,886$0$21,095,044
94$33,899,559$1,129,266$0$23,142,212
95$37,268,187$1,095,473$0$25,396,000
96$40,977,608$1,057,217$0$27,877,471
97$45,062,494$1,014,190$0$30,609,835
98$49,561,050$966,067$0$33,618,671
99$54,515,379$912,506$0$36,932,174
100$59,971,870$853,142$0$40,581,413