Can I retire at age 52 with 812,000?

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 $812,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$67,054$66,457$65,874$65,305$64,750$62,980
2 years$33,195$32,577$31,978$31,397$30,833$29,063
3 years$21,910$21,289$20,692$20,116$19,562$17,847
4 years$16,269$15,650$15,058$14,493$13,952$12,305
5 years$12,885$12,270$11,686$11,132$10,606$9,032
6 years$10,630$10,019$9,444$8,902$8,392$6,893
7 years$9,020$8,414$7,848$7,319$6,825$5,400
8 years$7,812$7,212$6,656$6,140$5,662$4,310
9 years$6,874$6,280$5,733$5,230$4,768$3,489
10 years$6,124$5,535$4,998$4,508$4,063$2,854
11 years$5,510$4,928$4,400$3,923$3,494$2,354
12 years$5,000$4,423$3,905$3,441$3,028$1,955
13 years$4,568$3,997$3,489$3,038$2,640$1,632
14 years$4,198$3,633$3,135$2,697$2,315$1,368
15 years$3,877$3,319$2,830$2,405$2,038$1,151
16 years$3,597$3,045$2,566$2,154$1,801$971
17 years$3,351$2,804$2,335$1,935$1,597$821
18 years$3,132$2,591$2,131$1,744$1,420$696
19 years$2,936$2,402$1,951$1,576$1,266$591
20 years$2,760$2,232$1,791$1,427$1,131$502
21 years$2,601$2,079$1,647$1,295$1,012$427
22 years$2,456$1,940$1,518$1,178$907$364
23 years$2,325$1,815$1,402$1,072$814$310
24 years$2,204$1,700$1,296$978$732$265
25 years$2,093$1,596$1,201$893$658$226
26 years$1,991$1,500$1,114$817$593$193
27 years$1,897$1,411$1,034$748$535$165
28 years$1,810$1,330$961$685$482$141
29 years$1,729$1,255$895$628$436$121
30 years$1,653$1,185$833$576$394$103
31 years$1,582$1,120$777$529$356$88
32 years$1,516$1,060$725$487$322$76
33 years$1,454$1,004$677$447$291$65
34 years$1,396$951$632$412$264$55
35 years$1,341$902$591$379$239$47
36 years$1,290$856$553$349$216$41
37 years$1,241$813$518$322$196$35
38 years$1,195$773$485$296$178$30
39 years$1,151$735$454$273$161$26
40 years$1,110$699$426$252$146$22
41 years$1,071$666$399$233$133$19
42 years$1,034$634$374$215$120$16
43 years$998$604$351$198$109$14
44 years$965$576$330$183$99$12
45 years$933$549$310$169$90$10
46 years$902$524$291$156$82$9
47 years$873$500$273$144$74$7
48 years$845$477$257$133$67$6
49 years$818$456$241$123$61$5
50 years$793$435$227$114$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $812,000, adding $6,198 every year, while hoping to spend $25,194 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: 69/5/26 Blend
51$812,000$812,000$812,000$812,000
52$901,217$858,181$845,595$956,978
53$966,335$873,426$847,116$1,010,408
54$1,037,251$888,573$847,844$1,065,389
55$1,114,529$903,592$847,725$1,124,977
56$1,198,791$918,448$846,704$1,189,626
57$1,290,720$933,105$844,722$1,259,839
58$1,391,071$947,524$841,717$1,336,171
59$1,500,672$961,664$837,626$1,419,231
60$1,620,434$975,480$832,381$1,509,695
61$1,751,364$988,923$825,911$1,608,303
62$1,894,566$1,001,943$818,142$1,715,874
63$2,051,258$1,014,485$808,996$1,833,311
64$2,222,782$1,026,490$798,392$1,961,609
65$2,410,613$1,037,896$786,246$2,101,863
66$2,616,378$1,048,635$772,468$2,255,283
67$2,841,867$1,058,637$756,964$2,423,202
68$3,089,052$1,067,825$739,637$2,607,089
69$3,360,106$1,076,119$720,386$2,808,565
70$3,657,421$1,083,432$699,102$3,029,415
71$3,983,631$1,089,674$675,675$3,271,607
72$4,341,638$1,094,745$649,988$3,537,313
73$4,734,640$1,098,543$621,917$3,828,924
74$5,166,159$1,100,956$591,337$4,149,079
75$5,640,072$1,101,869$558,112$4,500,686
76$6,160,655$1,101,155$522,104$4,886,949
77$6,732,613$1,098,683$483,166$5,311,403
78$7,361,134$1,094,313$441,146$5,777,942
79$8,051,930$1,087,895$395,885$6,290,861
80$8,811,297$1,079,271$347,217$6,854,892
81$9,646,168$1,068,274$294,967$7,475,253
82$10,564,183$1,054,726$238,955$8,157,696
83$11,573,760$1,038,438$178,991$8,908,561
84$12,684,174$1,019,212$114,876$9,734,835
85$13,905,641$996,834$46,406$10,644,222
86$15,249,419$971,082$0$11,645,212
87$16,727,913$941,719$0$12,754,562
88$18,354,790$908,492$0$13,989,410
89$20,145,108$871,138$0$15,348,305
90$22,115,460$829,374$0$16,843,847
91$24,284,127$782,904$0$18,489,923
92$26,671,254$731,412$0$20,301,833
93$29,299,038$674,568$0$22,296,436
94$32,191,936$612,018$0$24,492,311
95$35,376,899$543,392$0$26,909,929
96$38,883,621$468,296$0$29,571,851
97$42,744,824$386,317$0$32,502,933
98$46,996,566$297,016$0$35,730,570
99$51,678,575$199,930$0$39,284,946
100$56,834,633$94,569$0$43,199,325