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%18.8%
1 years$67,054$66,457$65,874$65,305$64,750$62,453
2 years$33,195$32,577$31,978$31,397$30,833$28,543
3 years$21,910$21,289$20,692$20,116$19,562$17,351
4 years$16,269$15,650$15,058$14,493$13,952$11,837
5 years$12,885$12,270$11,686$11,132$10,606$8,593
6 years$10,630$10,019$9,444$8,902$8,392$6,482
7 years$9,020$8,414$7,848$7,319$6,825$5,018
8 years$7,812$7,212$6,656$6,140$5,662$3,956
9 years$6,874$6,280$5,733$5,230$4,768$3,162
10 years$6,124$5,535$4,998$4,508$4,063$2,553
11 years$5,510$4,928$4,400$3,923$3,494$2,077
12 years$5,000$4,423$3,905$3,441$3,028$1,701
13 years$4,568$3,997$3,489$3,038$2,640$1,400
14 years$4,198$3,633$3,135$2,697$2,315$1,156
15 years$3,877$3,319$2,830$2,405$2,038$958
16 years$3,597$3,045$2,566$2,154$1,801$796
17 years$3,351$2,804$2,335$1,935$1,597$663
18 years$3,132$2,591$2,131$1,744$1,420$553
19 years$2,936$2,402$1,951$1,576$1,266$462
20 years$2,760$2,232$1,791$1,427$1,131$387
21 years$2,601$2,079$1,647$1,295$1,012$324
22 years$2,456$1,940$1,518$1,178$907$271
23 years$2,325$1,815$1,402$1,072$814$228
24 years$2,204$1,700$1,296$978$732$191
25 years$2,093$1,596$1,201$893$658$160
26 years$1,991$1,500$1,114$817$593$135
27 years$1,897$1,411$1,034$748$535$113
28 years$1,810$1,330$961$685$482$95
29 years$1,729$1,255$895$628$436$80
30 years$1,653$1,185$833$576$394$67
31 years$1,582$1,120$777$529$356$57
32 years$1,516$1,060$725$487$322$48
33 years$1,454$1,004$677$447$291$40
34 years$1,396$951$632$412$264$34
35 years$1,341$902$591$379$239$28
36 years$1,290$856$553$349$216$24
37 years$1,241$813$518$322$196$20
38 years$1,195$773$485$296$178$17
39 years$1,151$735$454$273$161$14
40 years$1,110$699$426$252$146$12
41 years$1,071$666$399$233$133$10
42 years$1,034$634$374$215$120$8
43 years$998$604$351$198$109$7
44 years$965$576$330$183$99$6
45 years$933$549$310$169$90$5
46 years$902$524$291$156$82$4
47 years$873$500$273$144$74$4
48 years$845$477$257$133$67$3
49 years$818$456$241$123$61$3
50 years$793$435$227$114$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $812,000, adding $4,517 every year, while hoping to spend $49,720 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: 52/33/15 Blend
51$812,000$812,000$812,000$812,000
52$899,483$856,447$843,861$942,390
53$938,329$845,512$819,229$961,319
54$979,470$832,373$792,105$976,265
55$1,023,089$816,873$762,354$991,410
56$1,069,384$798,840$729,832$1,006,787
57$1,118,573$778,094$694,393$1,022,434
58$1,170,892$754,445$655,880$1,038,398
59$1,226,601$727,691$614,130$1,054,732
60$1,285,986$697,620$568,975$1,071,501
61$1,349,358$664,004$520,237$1,088,777
62$1,417,057$626,605$467,730$1,106,644
63$1,489,460$585,172$411,261$1,125,200
64$1,566,974$539,435$350,628$1,144,555
65$1,650,052$489,113$285,621$1,164,838
66$1,739,186$433,908$216,017$1,186,194
67$1,834,917$373,504$141,588$1,208,789
68$1,937,841$307,568$62,093$1,232,810
69$2,048,609$235,747$0$1,258,472
70$2,167,938$157,670$0$1,289,655
71$2,296,616$72,944$0$1,333,835
72$2,435,507$0$0$1,381,415
73$2,585,560$0$0$1,439,630
74$2,747,821$0$0$1,531,289
75$2,923,436$0$0$1,630,559
76$3,113,667$0$0$1,738,161
77$3,319,900$0$0$1,854,889
78$3,543,661$0$0$1,981,616
79$3,786,628$0$0$2,119,300
80$4,050,645$0$0$2,268,999
81$4,337,742$0$0$2,431,873
82$4,650,152$0$0$2,609,201
83$4,990,331$0$0$2,802,388
84$5,360,983$0$0$3,012,983
85$5,765,083$0$0$3,242,687
86$6,205,906$0$0$3,493,377
87$6,687,055$0$0$3,767,115
88$7,212,498$0$0$4,066,173
89$7,786,603$0$0$4,393,051
90$8,414,176$0$0$4,750,502
91$9,100,513$0$0$5,141,559
92$9,851,440$0$0$5,569,559
93$10,673,376$0$0$6,038,176
94$11,573,388$0$0$6,551,459
95$12,559,259$0$0$7,113,864
96$13,639,557$0$0$7,730,301
97$14,823,723$0$0$8,406,176
98$16,122,150$0$0$9,147,442
99$17,546,289$0$0$9,960,658
100$19,108,751$0$0$10,853,047