Can I retire at age 52 with 813,000?

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 $813,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$67,137$66,539$65,955$65,386$64,830$64,367
2 years$33,236$32,617$32,017$31,435$30,871$30,405
3 years$21,937$21,316$20,717$20,141$19,586$19,130
4 years$16,289$15,669$15,077$14,510$13,969$13,527
5 years$12,901$12,285$11,700$11,145$10,619$10,193
6 years$10,643$10,032$9,456$8,913$8,402$7,992
7 years$9,031$8,424$7,858$7,328$6,833$6,439
8 years$7,822$7,221$6,664$6,147$5,669$5,291
9 years$6,883$6,287$5,740$5,236$4,774$4,412
10 years$6,131$5,542$5,004$4,514$4,068$3,721
11 years$5,517$4,934$4,405$3,928$3,498$3,168
12 years$5,006$4,428$3,910$3,446$3,032$2,716
13 years$4,573$4,002$3,493$3,042$2,644$2,343
14 years$4,203$3,638$3,138$2,700$2,317$2,032
15 years$3,882$3,323$2,834$2,408$2,040$1,769
16 years$3,602$3,049$2,569$2,156$1,803$1,545
17 years$3,355$2,808$2,338$1,937$1,599$1,354
18 years$3,135$2,595$2,134$1,746$1,422$1,190
19 years$2,939$2,405$1,954$1,578$1,267$1,048
20 years$2,763$2,234$1,793$1,429$1,132$925
21 years$2,604$2,081$1,649$1,297$1,013$818
22 years$2,459$1,943$1,520$1,179$908$724
23 years$2,328$1,817$1,403$1,074$815$641
24 years$2,207$1,703$1,298$979$733$569
25 years$2,096$1,598$1,202$894$659$506
26 years$1,994$1,502$1,115$818$594$449
27 years$1,900$1,413$1,035$749$535$400
28 years$1,812$1,332$962$686$483$356
29 years$1,731$1,256$896$629$436$317
30 years$1,655$1,186$834$577$394$283
31 years$1,584$1,122$778$530$356$252
32 years$1,518$1,061$726$487$322$225
33 years$1,456$1,005$678$448$292$201
34 years$1,398$952$633$412$264$179
35 years$1,343$903$592$379$239$160
36 years$1,291$857$554$349$217$143
37 years$1,242$814$518$322$196$128
38 years$1,196$774$485$297$178$114
39 years$1,153$736$455$274$161$102
40 years$1,111$700$426$252$146$91
41 years$1,072$667$400$233$133$82
42 years$1,035$635$375$215$121$73
43 years$1,000$605$352$198$109$65
44 years$966$577$330$183$99$58
45 years$934$550$310$169$90$52
46 years$903$524$291$156$82$47
47 years$874$500$274$144$74$42
48 years$846$478$257$133$68$37
49 years$819$456$242$123$61$33
50 years$794$436$227$114$56$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $813,000, adding $3,333 every year, while hoping to spend $35,326 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: 23/47/30 Blend
51$813,000$813,000$813,000$813,000
52$899,364$856,275$843,673$911,509
53$953,513$860,646$834,350$926,817
54$1,012,000$864,047$823,530$940,030
55$1,075,232$866,393$811,127$953,437
56$1,143,655$867,595$797,048$967,078
57$1,217,756$867,556$781,198$981,000
58$1,298,076$866,175$763,477$995,258
59$1,385,206$863,344$743,779$1,009,917
60$1,479,797$858,948$721,996$1,025,051
61$1,582,565$852,865$698,011$1,040,747
62$1,694,298$844,967$671,706$1,057,103
63$1,815,863$835,116$642,955$1,074,232
64$1,948,213$823,169$611,625$1,092,265
65$2,092,397$808,971$577,581$1,111,348
66$2,249,570$792,359$540,679$1,131,651
67$2,421,003$773,161$500,768$1,153,363
68$2,608,094$751,195$457,693$1,176,701
69$2,812,383$726,267$411,290$1,201,909
70$3,035,565$698,173$361,387$1,229,263
71$3,279,506$666,697$307,806$1,259,074
72$3,546,260$631,609$250,362$1,291,693
73$3,838,088$592,667$188,858$1,327,512
74$4,157,481$549,616$123,093$1,366,973
75$4,507,181$502,185$52,854$1,410,574
76$4,890,208$450,086$0$1,458,869
77$5,309,888$393,019$0$1,519,556
78$5,769,882$330,663$0$1,604,771
79$6,274,226$262,681$0$1,698,433
80$6,827,360$188,716$0$1,801,491
81$7,434,179$108,391$0$1,915,000
82$8,100,072$21,309$0$2,040,128
83$8,830,976$0$0$2,178,172
84$9,633,430$0$0$2,368,300
85$10,514,637$0$0$2,589,339
86$11,482,533$0$0$2,832,277
87$12,545,860$0$0$3,099,329
88$13,714,248$0$0$3,392,931
89$14,998,306$0$0$3,715,771
90$16,409,721$0$0$4,070,809
91$17,961,371$0$0$4,461,306
92$19,667,442$0$0$4,890,854
93$21,543,563$0$0$5,363,413
94$23,606,955$0$0$5,883,344
95$25,876,591$0$0$6,455,454
96$28,373,373$0$0$7,085,036
97$31,120,335$0$0$7,777,927
98$34,142,852$0$0$8,540,555
99$37,468,886$0$0$9,380,002
100$41,129,244$0$0$10,304,076