Can I retire at age 52 with 813,000?

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 $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%13.3%
1 years$67,137$66,539$65,955$65,386$64,830$63,940
2 years$33,236$32,617$32,017$31,435$30,871$29,977
3 years$21,937$21,316$20,717$20,141$19,586$18,714
4 years$16,289$15,669$15,077$14,510$13,969$13,126
5 years$12,901$12,285$11,700$11,145$10,619$9,808
6 years$10,643$10,032$9,456$8,913$8,402$7,625
7 years$9,031$8,424$7,858$7,328$6,833$6,089
8 years$7,822$7,221$6,664$6,147$5,669$4,957
9 years$6,883$6,287$5,740$5,236$4,774$4,095
10 years$6,131$5,542$5,004$4,514$4,068$3,421
11 years$5,517$4,934$4,405$3,928$3,498$2,883
12 years$5,006$4,428$3,910$3,446$3,032$2,447
13 years$4,573$4,002$3,493$3,042$2,644$2,090
14 years$4,203$3,638$3,138$2,700$2,317$1,793
15 years$3,882$3,323$2,834$2,408$2,040$1,544
16 years$3,602$3,049$2,569$2,156$1,803$1,334
17 years$3,355$2,808$2,338$1,937$1,599$1,156
18 years$3,135$2,595$2,134$1,746$1,422$1,005
19 years$2,939$2,405$1,954$1,578$1,267$875
20 years$2,763$2,234$1,793$1,429$1,132$763
21 years$2,604$2,081$1,649$1,297$1,013$666
22 years$2,459$1,943$1,520$1,179$908$583
23 years$2,328$1,817$1,403$1,074$815$510
24 years$2,207$1,703$1,298$979$733$447
25 years$2,096$1,598$1,202$894$659$392
26 years$1,994$1,502$1,115$818$594$344
27 years$1,900$1,413$1,035$749$535$302
28 years$1,812$1,332$962$686$483$266
29 years$1,731$1,256$896$629$436$234
30 years$1,655$1,186$834$577$394$206
31 years$1,584$1,122$778$530$356$181
32 years$1,518$1,061$726$487$322$159
33 years$1,456$1,005$678$448$292$140
34 years$1,398$952$633$412$264$124
35 years$1,343$903$592$379$239$109
36 years$1,291$857$554$349$217$96
37 years$1,242$814$518$322$196$85
38 years$1,196$774$485$297$178$75
39 years$1,153$736$455$274$161$66
40 years$1,111$700$426$252$146$58
41 years$1,072$667$400$233$133$51
42 years$1,035$635$375$215$121$45
43 years$1,000$605$352$198$109$40
44 years$966$577$330$183$99$35
45 years$934$550$310$169$90$31
46 years$903$524$291$156$82$27
47 years$874$500$274$144$74$24
48 years$846$478$257$133$68$21
49 years$819$456$242$123$61$19
50 years$794$436$227$114$56$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $813,000, adding $5,017 every year, while hoping to spend $32,157 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: 64/12/24 Blend
51$813,000$813,000$813,000$813,000
52$901,101$858,012$845,411$952,821
53$958,799$865,840$839,517$996,157
54$1,021,303$872,973$832,348$1,039,446
55$1,089,072$879,345$823,828$1,086,018
56$1,162,606$884,882$813,875$1,136,200
57$1,242,458$889,507$802,406$1,190,349
58$1,329,235$893,139$789,332$1,248,862
59$1,423,605$895,690$774,562$1,312,176
60$1,526,302$897,068$758,000$1,380,774
61$1,638,135$897,175$739,543$1,455,189
62$1,759,993$895,905$719,086$1,536,009
63$1,892,857$893,149$696,520$1,623,883
64$2,037,802$888,787$671,728$1,719,529
65$2,196,017$882,697$644,589$1,823,736
66$2,368,805$874,744$614,978$1,937,378
67$2,557,605$864,788$582,761$2,061,419
68$2,763,999$852,680$547,802$2,196,920
69$2,989,729$838,264$509,955$2,345,057
70$3,236,713$821,370$469,070$2,507,122
71$3,507,063$801,823$424,990$2,684,545
72$3,803,106$779,435$377,549$2,878,902
73$4,127,402$754,006$326,576$3,091,931
74$4,482,772$725,328$271,892$3,325,551
75$4,872,323$693,177$213,308$3,581,879
76$5,299,476$657,318$150,630$3,863,250
77$5,767,998$617,503$83,652$4,172,238
78$6,282,042$573,468$12,162$4,511,687
79$6,846,177$524,935$0$4,884,730
80$7,465,441$471,611$0$5,311,246
81$8,145,379$413,183$0$5,783,018
82$8,892,103$349,324$0$6,301,195
83$9,712,343$279,686$0$6,870,481
84$10,613,515$203,904$0$7,496,058
85$11,603,787$121,589$0$8,183,640
86$12,692,160$32,334$0$8,939,521
87$13,888,548$0$0$9,770,639
88$15,203,873$0$0$10,693,131
89$16,650,171$0$0$11,712,235
90$18,240,699$0$0$12,833,032
91$19,990,066$0$0$14,065,825
92$21,914,365$0$0$15,421,963
93$24,031,331$0$0$16,913,952
94$26,360,501$0$0$18,555,570
95$28,923,402$0$0$20,362,001
96$31,743,754$0$0$22,349,970
97$34,847,692$0$0$24,537,910
98$38,264,014$0$0$26,946,130
99$42,024,449$0$0$29,597,007
100$46,163,959$0$0$32,515,198