Can I retire at age 52 with 810,000?

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 $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%18.1%
1 years$66,889$66,293$65,712$65,145$64,591$62,473
2 years$33,113$32,497$31,899$31,319$30,757$28,644
3 years$21,856$21,237$20,641$20,067$19,514$17,471
4 years$16,229$15,611$15,021$14,457$13,917$11,961
5 years$12,853$12,240$11,657$11,104$10,580$8,715
6 years$10,604$9,994$9,421$8,880$8,371$6,600
7 years$8,997$8,393$7,829$7,301$6,808$5,130
8 years$7,793$7,195$6,639$6,125$5,648$4,061
9 years$6,857$6,264$5,718$5,217$4,756$3,259
10 years$6,109$5,522$4,985$4,497$4,053$2,643
11 years$5,497$4,916$4,389$3,914$3,486$2,161
12 years$4,987$4,412$3,895$3,433$3,020$1,777
13 years$4,556$3,987$3,480$3,031$2,634$1,470
14 years$4,187$3,624$3,127$2,690$2,309$1,220
15 years$3,868$3,311$2,823$2,399$2,033$1,016
16 years$3,589$3,038$2,560$2,148$1,797$849
17 years$3,342$2,797$2,329$1,930$1,593$711
18 years$3,124$2,585$2,126$1,739$1,416$596
19 years$2,929$2,396$1,946$1,572$1,263$501
20 years$2,753$2,226$1,786$1,424$1,128$421
21 years$2,594$2,074$1,643$1,292$1,009$354
22 years$2,450$1,936$1,514$1,175$905$299
23 years$2,319$1,810$1,398$1,070$812$252
24 years$2,199$1,696$1,293$976$730$213
25 years$2,088$1,592$1,198$891$657$179
26 years$1,987$1,496$1,111$815$592$152
27 years$1,892$1,408$1,031$746$533$128
28 years$1,805$1,327$959$683$481$108
29 years$1,724$1,252$892$627$435$92
30 years$1,649$1,182$831$575$393$77
31 years$1,578$1,117$775$528$355$65
32 years$1,512$1,057$723$485$321$55
33 years$1,451$1,001$675$446$291$47
34 years$1,393$949$631$411$263$40
35 years$1,338$900$590$378$238$34
36 years$1,286$854$552$348$216$28
37 years$1,238$811$516$321$196$24
38 years$1,192$771$484$296$177$20
39 years$1,149$733$453$273$161$17
40 years$1,107$698$425$251$146$15
41 years$1,068$664$398$232$132$12
42 years$1,031$632$373$214$120$10
43 years$996$603$350$198$109$9
44 years$962$574$329$183$99$7
45 years$930$548$309$169$90$6
46 years$900$523$290$156$82$5
47 years$871$499$273$144$74$5
48 years$843$476$256$133$67$4
49 years$816$455$241$123$61$3
50 years$791$434$226$114$55$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $810,000, adding $4,277 every year, while hoping to spend $57,469 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: 64/31/5 Blend
51$810,000$810,000$810,000$810,000
52$897,032$854,102$841,547$953,528
53$927,382$834,806$808,592$972,342
54$958,903$812,639$772,607$985,663
55$991,651$787,399$733,430$998,690
56$1,025,691$758,872$690,891$1,011,391
57$1,061,089$726,834$644,813$1,023,731
58$1,097,916$691,046$595,011$1,035,672
59$1,136,251$651,255$541,291$1,047,178
60$1,176,176$607,194$483,452$1,058,210
61$1,217,781$558,581$421,282$1,068,728
62$1,261,160$505,117$354,561$1,078,692
63$1,306,418$446,487$283,058$1,088,060
64$1,353,666$382,358$206,534$1,096,790
65$1,403,023$312,377$124,736$1,104,840
66$1,454,621$236,173$37,404$1,112,166
67$1,508,599$153,352$0$1,118,727
68$1,565,109$63,500$0$1,127,456
69$1,624,317$0$0$1,137,659
70$1,686,399$0$0$1,158,852
71$1,751,551$0$0$1,203,840
72$1,819,983$0$0$1,251,111
73$1,891,922$0$0$1,300,825
74$1,967,617$0$0$1,353,156
75$2,047,340$0$0$1,408,294
76$2,131,383$0$0$1,466,445
77$2,220,067$0$0$1,527,834
78$2,313,743$0$0$1,592,707
79$2,412,792$0$0$1,661,331
80$2,517,629$0$0$1,733,999
81$2,628,711$0$0$1,811,031
82$2,746,532$0$0$1,892,775
83$2,871,636$0$0$1,979,614
84$3,004,617$0$0$2,071,963
85$3,146,125$0$0$2,170,281
86$3,296,870$0$0$2,275,067
87$3,457,631$0$0$2,386,869
88$3,629,261$0$0$2,506,286
89$3,812,694$0$0$2,633,977
90$4,008,954$0$0$2,770,662
91$4,219,165$0$0$2,917,131
92$4,444,558$0$0$3,074,252
93$4,686,485$0$0$3,242,975
94$4,946,430$0$0$3,424,346
95$5,226,019$0$0$3,619,510
96$5,527,040$0$0$3,829,726
97$5,851,456$0$0$4,056,376
98$6,201,424$0$0$4,300,979
99$6,579,311$0$0$4,565,204
100$6,987,722$0$0$4,850,884