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%11.4%
1 years$67,137$66,539$65,955$65,386$64,830$64,448
2 years$33,236$32,617$32,017$31,435$30,871$30,486
3 years$21,937$21,316$20,717$20,141$19,586$19,210
4 years$16,289$15,669$15,077$14,510$13,969$13,604
5 years$12,901$12,285$11,700$11,145$10,619$10,266
6 years$10,643$10,032$9,456$8,913$8,402$8,063
7 years$9,031$8,424$7,858$7,328$6,833$6,507
8 years$7,822$7,221$6,664$6,147$5,669$5,356
9 years$6,883$6,287$5,740$5,236$4,774$4,474
10 years$6,131$5,542$5,004$4,514$4,068$3,781
11 years$5,517$4,934$4,405$3,928$3,498$3,224
12 years$5,006$4,428$3,910$3,446$3,032$2,770
13 years$4,573$4,002$3,493$3,042$2,644$2,394
14 years$4,203$3,638$3,138$2,700$2,317$2,080
15 years$3,882$3,323$2,834$2,408$2,040$1,814
16 years$3,602$3,049$2,569$2,156$1,803$1,588
17 years$3,355$2,808$2,338$1,937$1,599$1,395
18 years$3,135$2,595$2,134$1,746$1,422$1,228
19 years$2,939$2,405$1,954$1,578$1,267$1,084
20 years$2,763$2,234$1,793$1,429$1,132$959
21 years$2,604$2,081$1,649$1,297$1,013$849
22 years$2,459$1,943$1,520$1,179$908$753
23 years$2,328$1,817$1,403$1,074$815$669
24 years$2,207$1,703$1,298$979$733$595
25 years$2,096$1,598$1,202$894$659$530
26 years$1,994$1,502$1,115$818$594$472
27 years$1,900$1,413$1,035$749$535$421
28 years$1,812$1,332$962$686$483$376
29 years$1,731$1,256$896$629$436$336
30 years$1,655$1,186$834$577$394$300
31 years$1,584$1,122$778$530$356$268
32 years$1,518$1,061$726$487$322$240
33 years$1,456$1,005$678$448$292$214
34 years$1,398$952$633$412$264$192
35 years$1,343$903$592$379$239$172
36 years$1,291$857$554$349$217$154
37 years$1,242$814$518$322$196$138
38 years$1,196$774$485$297$178$124
39 years$1,153$736$455$274$161$111
40 years$1,111$700$426$252$146$99
41 years$1,072$667$400$233$133$89
42 years$1,035$635$375$215$121$80
43 years$1,000$605$352$198$109$71
44 years$966$577$330$183$99$64
45 years$934$550$310$169$90$57
46 years$903$524$291$156$82$52
47 years$874$500$274$144$74$46
48 years$846$478$257$133$68$42
49 years$819$456$242$123$61$37
50 years$794$436$227$114$56$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $813,000, adding $3,700 every year, while hoping to spend $30,980 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: 77/15/8 Blend
51$813,000$813,000$813,000$813,000
52$899,743$856,654$844,052$967,710
53$958,554$865,667$839,365$1,021,902
54$1,022,326$874,084$833,483$1,076,945
55$1,091,531$881,842$826,333$1,136,393
56$1,166,690$888,876$817,839$1,200,671
57$1,248,377$895,115$807,920$1,270,248
58$1,337,220$900,484$796,494$1,345,639
59$1,433,912$904,903$783,472$1,427,412
60$1,539,216$908,289$768,764$1,516,194
61$1,653,971$910,550$752,273$1,612,675
62$1,779,101$911,592$733,898$1,717,615
63$1,915,621$911,311$713,536$1,831,852
64$2,064,650$909,602$691,075$1,956,309
65$2,227,420$906,348$666,401$2,092,003
66$2,405,286$901,428$639,395$2,240,055
67$2,599,740$894,713$609,930$2,401,702
68$2,812,426$886,066$577,875$2,578,306
69$3,045,152$875,342$543,092$2,771,366
70$3,299,911$862,387$505,439$2,982,539
71$3,578,896$847,038$464,766$3,213,647
72$3,884,523$829,123$420,915$3,466,700
73$4,219,452$808,457$373,723$3,743,913
74$4,586,614$784,849$323,020$4,047,728
75$4,989,234$758,092$268,627$4,380,836
76$5,430,867$727,970$210,358$4,746,204
77$5,915,428$694,253$148,017$5,147,102
78$6,447,228$656,698$81,402$5,587,132
79$7,031,018$615,049$10,302$6,070,268
80$7,672,028$569,033$0$6,600,889
81$8,376,023$518,363$0$7,189,418
82$9,149,351$462,737$0$7,836,879
83$9,999,006$401,832$0$8,548,277
84$10,932,692$335,310$0$9,330,096
85$11,958,900$262,813$0$10,189,482
86$13,086,979$183,962$0$11,134,312
87$14,327,233$98,358$0$12,173,264
88$15,691,012$5,579$0$13,315,904
89$17,190,822$0$0$14,572,773
90$18,840,442$0$0$15,971,141
91$20,655,052$0$0$17,510,414
92$22,651,378$0$0$19,203,866
93$24,847,849$0$0$21,067,132
94$27,264,770$0$0$23,117,443
95$29,924,514$0$0$25,373,781
96$32,851,732$0$0$27,857,064
97$36,073,586$0$0$30,590,339
98$39,620,005$0$0$33,599,002
99$43,523,966$0$0$36,911,034
100$47,821,807$0$0$40,557,269