Can I retire at age 52 with 811,000?

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 $811,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.3%
1 years$66,972$66,375$65,793$65,225$64,670$64,317
2 years$33,154$32,537$31,938$31,358$30,795$30,439
3 years$21,883$21,263$20,666$20,091$19,538$19,189
4 years$16,249$15,631$15,040$14,475$13,935$13,596
5 years$12,869$12,255$11,671$11,118$10,593$10,266
6 years$10,617$10,007$9,432$8,891$8,382$8,067
7 years$9,008$8,404$7,838$7,310$6,817$6,514
8 years$7,803$7,204$6,647$6,132$5,655$5,364
9 years$6,866$6,272$5,725$5,223$4,762$4,484
10 years$6,116$5,528$4,992$4,502$4,058$3,791
11 years$5,504$4,922$4,395$3,918$3,490$3,235
12 years$4,993$4,417$3,900$3,437$3,024$2,781
13 years$4,562$3,992$3,484$3,034$2,637$2,405
14 years$4,193$3,629$3,131$2,694$2,312$2,091
15 years$3,873$3,315$2,827$2,402$2,035$1,825
16 years$3,593$3,041$2,563$2,151$1,799$1,599
17 years$3,347$2,801$2,332$1,933$1,595$1,405
18 years$3,128$2,588$2,129$1,742$1,418$1,238
19 years$2,932$2,399$1,949$1,574$1,264$1,094
20 years$2,756$2,229$1,789$1,425$1,129$968
21 years$2,597$2,076$1,645$1,294$1,010$858
22 years$2,453$1,938$1,516$1,176$906$762
23 years$2,322$1,813$1,400$1,071$813$677
24 years$2,201$1,698$1,295$977$731$603
25 years$2,091$1,594$1,199$892$658$537
26 years$1,989$1,498$1,112$816$592$479
27 years$1,895$1,410$1,033$747$534$427
28 years$1,808$1,328$960$684$482$382
29 years$1,726$1,253$893$627$435$341
30 years$1,651$1,183$832$576$393$305
31 years$1,580$1,119$776$529$355$273
32 years$1,514$1,059$724$486$322$244
33 years$1,452$1,003$676$447$291$219
34 years$1,394$950$632$411$263$196
35 years$1,340$901$590$379$239$176
36 years$1,288$855$552$349$216$157
37 years$1,239$812$517$321$196$141
38 years$1,193$772$484$296$178$126
39 years$1,150$734$454$273$161$113
40 years$1,109$698$425$252$146$102
41 years$1,070$665$399$232$133$91
42 years$1,033$633$374$214$120$82
43 years$997$603$351$198$109$74
44 years$964$575$329$183$99$66
45 years$932$548$309$169$90$59
46 years$901$523$290$156$82$53
47 years$872$499$273$144$74$48
48 years$844$477$256$133$67$43
49 years$817$455$241$123$61$38
50 years$792$435$227$114$56$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $811,000, adding $4,399 every year, while hoping to spend $24,995 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: 47/24/29 Blend
51$811,000$811,000$811,000$811,000
52$898,260$855,277$842,706$932,826
53$963,288$870,591$844,342$973,013
54$1,034,111$885,817$845,195$1,013,843
55$1,111,294$900,926$845,213$1,057,688
56$1,195,458$915,884$844,340$1,104,846
57$1,287,288$930,655$842,519$1,155,645
58$1,387,535$945,202$839,687$1,210,447
59$1,497,030$959,483$835,783$1,269,652
60$1,616,685$973,455$830,739$1,333,701
61$1,747,503$987,070$824,485$1,403,083
62$1,890,591$1,000,280$816,948$1,478,335
63$2,047,167$1,013,029$808,052$1,560,052
64$2,218,571$1,025,260$797,714$1,648,889
65$2,406,279$1,036,912$785,852$1,745,572
66$2,611,919$1,047,920$772,378$1,850,898
67$2,837,280$1,058,214$757,198$1,965,750
68$3,084,335$1,067,719$740,216$2,091,103
69$3,355,256$1,076,355$721,332$2,228,031
70$3,652,434$1,084,039$700,439$2,377,719
71$3,978,506$1,090,680$677,426$2,541,478
72$4,336,372$1,096,182$652,179$2,720,751
73$4,729,231$1,100,444$624,576$2,917,133
74$5,160,604$1,103,357$594,490$3,132,383
75$5,634,370$1,104,806$561,790$3,368,441
76$6,154,802$1,104,668$526,337$3,627,448
77$6,726,610$1,102,815$487,987$3,911,768
78$7,354,978$1,099,106$446,588$4,224,006
79$8,045,620$1,093,398$401,984$4,567,038
80$8,804,832$1,085,533$354,009$4,944,035
81$9,639,548$1,075,347$302,492$5,358,498
82$10,557,409$1,062,666$247,252$5,814,284
83$11,566,832$1,047,304$188,103$6,315,652
84$12,677,093$1,029,065$124,848$6,867,298
85$13,898,409$1,007,742$57,282$7,474,400
86$15,242,039$983,114$0$8,142,670
87$16,720,388$954,948$0$8,882,995
88$18,347,124$922,997$0$9,716,948
89$20,137,307$886,999$0$10,634,522
90$22,107,530$846,680$0$11,644,239
91$24,276,076$801,746$0$12,755,495
92$26,663,092$751,887$0$13,978,647
93$29,290,775$696,778$0$15,325,108
94$32,183,586$636,072$0$16,807,460
95$35,368,476$569,403$0$18,439,570
96$38,875,142$496,386$0$20,236,720
97$42,736,310$416,612$0$22,215,757
98$46,988,037$329,650$0$24,395,248
99$51,670,059$235,044$0$26,795,657
100$56,826,158$132,314$0$29,439,540