Can I retire at age 52 with 814,000?

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 $814,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$67,219$66,621$66,036$65,466$64,910$62,310
2 years$33,277$32,657$32,057$31,474$30,909$28,323
3 years$21,964$21,342$20,743$20,166$19,610$17,118
4 years$16,309$15,688$15,095$14,528$13,986$11,608
5 years$12,917$12,300$11,715$11,159$10,632$8,373
6 years$10,656$10,044$9,467$8,924$8,413$6,275
7 years$9,042$8,435$7,867$7,337$6,842$4,824
8 years$7,832$7,230$6,672$6,155$5,676$3,777
9 years$6,891$6,295$5,747$5,243$4,780$2,996
10 years$6,139$5,549$5,010$4,519$4,073$2,400
11 years$5,524$4,940$4,411$3,933$3,503$1,938
12 years$5,012$4,434$3,914$3,450$3,035$1,574
13 years$4,579$4,007$3,497$3,046$2,647$1,285
14 years$4,208$3,642$3,142$2,704$2,320$1,053
15 years$3,887$3,327$2,837$2,411$2,043$865
16 years$3,606$3,053$2,572$2,159$1,806$713
17 years$3,359$2,811$2,341$1,940$1,601$588
18 years$3,139$2,598$2,137$1,748$1,423$486
19 years$2,943$2,408$1,956$1,580$1,269$403
20 years$2,767$2,237$1,795$1,431$1,133$334
21 years$2,607$2,084$1,651$1,298$1,014$277
22 years$2,462$1,945$1,522$1,180$909$230
23 years$2,330$1,819$1,405$1,075$816$191
24 years$2,210$1,705$1,300$981$733$159
25 years$2,099$1,600$1,204$895$660$132
26 years$1,996$1,503$1,116$819$595$110
27 years$1,902$1,415$1,037$749$536$91
28 years$1,814$1,333$964$687$484$76
29 years$1,733$1,258$897$630$437$63
30 years$1,657$1,188$835$578$395$53
31 years$1,586$1,123$779$531$357$44
32 years$1,520$1,063$727$488$323$37
33 years$1,458$1,006$678$449$292$30
34 years$1,399$954$634$413$264$25
35 years$1,345$905$593$380$239$21
36 years$1,293$859$554$350$217$18
37 years$1,244$815$519$322$197$15
38 years$1,198$775$486$297$178$12
39 years$1,154$737$455$274$162$10
40 years$1,113$701$427$253$147$8
41 years$1,074$667$400$233$133$7
42 years$1,036$636$375$215$121$6
43 years$1,001$606$352$199$110$5
44 years$967$577$331$183$99$4
45 years$935$550$310$169$90$3
46 years$904$525$292$156$82$3
47 years$875$501$274$145$74$2
48 years$847$478$257$134$68$2
49 years$820$457$242$123$61$2
50 years$795$436$227$114$56$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $814,000, adding $2,298 every year, while hoping to spend $43,400 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: 45/39/16 Blend
51$814,000$814,000$814,000$814,000
52$899,398$856,256$843,639$935,652
53$944,960$852,036$825,724$956,973
54$993,714$846,154$805,754$975,544
55$1,045,940$838,483$783,614$994,749
56$1,101,946$828,889$759,186$1,014,667
57$1,162,069$817,228$732,342$1,035,385
58$1,226,677$803,349$702,952$1,057,002
59$1,296,176$787,091$670,880$1,079,631
60$1,371,012$768,285$635,980$1,103,401
61$1,451,674$746,750$598,105$1,128,456
62$1,538,700$722,296$557,096$1,154,957
63$1,632,679$694,720$512,791$1,183,089
64$1,734,261$663,810$465,018$1,213,057
65$1,844,158$629,339$413,598$1,245,094
66$1,963,154$591,069$358,346$1,279,460
67$2,092,111$548,746$299,066$1,316,445
68$2,231,976$502,104$235,554$1,356,378
69$2,383,791$450,861$167,598$1,399,625
70$2,548,702$394,717$94,977$1,446,595
71$2,727,970$333,358$17,459$1,497,746
72$2,922,980$266,451$0$1,553,590
73$3,135,260$193,642$0$1,625,840
74$3,366,487$114,562$0$1,707,896
75$3,618,510$28,816$0$1,797,530
76$3,893,361$0$0$1,895,580
77$4,193,279$0$0$2,030,446
78$4,520,726$0$0$2,191,283
79$4,878,414$0$0$2,367,069
80$5,269,329$0$0$2,559,281
81$5,696,757$0$0$2,769,548
82$6,164,315$0$0$2,999,663
83$6,675,990$0$0$3,251,600
84$7,236,166$0$0$3,527,533
85$7,849,676$0$0$3,829,854
86$8,521,841$0$0$4,161,202
87$9,258,518$0$0$4,524,480
88$10,066,160$0$0$4,922,885
89$10,951,876$0$0$5,359,940
90$11,923,492$0$0$5,839,525
91$12,989,630$0$0$6,365,913
92$14,159,787$0$0$6,943,812
93$15,444,425$0$0$7,578,406
94$16,855,067$0$0$8,275,407
95$18,404,406$0$0$9,041,110
96$20,106,427$0$0$9,882,444
97$21,976,534$0$0$10,807,048
98$24,031,698$0$0$11,823,334
99$26,290,617$0$0$12,940,571
100$28,773,887$0$0$14,168,971