Can I retire at age 52 with 815,000?

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 $815,000?

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$67,302$66,702$66,118$65,547$64,989$64,526
2 years$33,318$32,697$32,096$31,513$30,947$30,480
3 years$21,991$21,368$20,768$20,191$19,634$19,177
4 years$16,329$15,708$15,114$14,546$14,003$13,560
5 years$12,933$12,315$11,729$11,173$10,645$10,218
6 years$10,669$10,056$9,479$8,935$8,423$8,012
7 years$9,053$8,445$7,877$7,346$6,850$6,455
8 years$7,841$7,239$6,680$6,162$5,683$5,304
9 years$6,899$6,303$5,754$5,249$4,786$4,423
10 years$6,146$5,556$5,016$4,525$4,078$3,731
11 years$5,531$4,946$4,416$3,938$3,507$3,176
12 years$5,018$4,439$3,919$3,454$3,039$2,723
13 years$4,584$4,012$3,502$3,049$2,650$2,349
14 years$4,213$3,647$3,146$2,707$2,323$2,037
15 years$3,892$3,331$2,841$2,414$2,045$1,773
16 years$3,611$3,056$2,575$2,162$1,808$1,549
17 years$3,363$2,815$2,344$1,942$1,603$1,358
18 years$3,143$2,601$2,139$1,750$1,425$1,193
19 years$2,947$2,411$1,958$1,581$1,270$1,051
20 years$2,770$2,240$1,797$1,432$1,135$927
21 years$2,610$2,086$1,653$1,300$1,015$820
22 years$2,465$1,948$1,524$1,182$910$725
23 years$2,333$1,822$1,407$1,076$817$643
24 years$2,212$1,707$1,301$982$734$571
25 years$2,101$1,602$1,205$897$661$507
26 years$1,999$1,505$1,118$820$595$451
27 years$1,904$1,417$1,038$750$537$401
28 years$1,816$1,335$965$688$484$357
29 years$1,735$1,259$898$630$437$318
30 years$1,659$1,189$836$579$395$283
31 years$1,588$1,124$780$531$357$253
32 years$1,522$1,064$727$488$323$225
33 years$1,460$1,007$679$449$292$201
34 years$1,401$955$635$413$265$180
35 years$1,346$906$593$380$240$160
36 years$1,294$860$555$350$217$143
37 years$1,246$816$520$323$197$128
38 years$1,199$776$487$298$179$114
39 years$1,156$738$456$274$162$102
40 years$1,114$702$427$253$147$91
41 years$1,075$668$401$233$133$82
42 years$1,038$636$376$215$121$73
43 years$1,002$606$353$199$110$65
44 years$968$578$331$184$100$58
45 years$936$551$311$170$90$52
46 years$905$526$292$157$82$47
47 years$876$502$274$145$75$42
48 years$848$479$258$134$68$37
49 years$821$457$242$124$61$34
50 years$796$437$228$114$56$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $815,000, adding $6,878 every year, while hoping to spend $47,688 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: 50/22/28 Blend
51$815,000$815,000$815,000$815,000
52$905,225$862,030$849,397$943,012
53$946,818$853,529$827,112$961,635
54$991,055$843,014$802,483$976,569
55$1,038,156$830,336$775,379$991,870
56$1,088,361$815,335$745,667$1,007,594
57$1,141,933$797,845$713,206$1,023,807
58$1,199,159$777,689$677,847$1,040,583
59$1,260,356$754,678$639,438$1,058,011
60$1,325,870$728,615$597,817$1,076,187
61$1,396,081$699,289$552,816$1,095,224
62$1,471,405$666,478$504,258$1,115,249
63$1,552,298$629,946$451,962$1,136,407
64$1,639,264$589,444$395,733$1,158,862
65$1,732,852$544,710$335,373$1,182,798
66$1,833,667$495,465$270,673$1,208,424
67$1,942,373$441,414$201,412$1,235,975
68$2,059,699$382,248$127,364$1,265,716
69$2,186,448$317,638$48,290$1,297,942
70$2,323,500$247,237$0$1,332,989
71$2,471,824$170,678$0$1,382,014
72$2,632,483$87,574$0$1,450,749
73$2,806,649$0$0$1,525,302
74$2,995,607$0$0$1,606,883
75$3,200,774$0$0$1,718,553
76$3,423,705$0$0$1,839,969
77$3,666,114$0$0$1,972,071
78$3,929,883$0$0$2,115,898
79$4,217,087$0$0$2,272,589
80$4,530,006$0$0$2,443,400
81$4,871,150$0$0$2,629,712
82$5,243,282$0$0$2,833,046
83$5,649,442$0$0$3,055,077
84$6,092,978$0$0$3,297,646
85$6,577,575$0$0$3,562,781
86$7,107,288$0$0$3,852,717
87$7,686,584$0$0$4,169,913
88$8,320,381$0$0$4,517,075
89$9,014,093$0$0$4,897,185
90$9,773,682$0$0$5,313,526
91$10,605,713$0$0$5,769,715
92$11,517,418$0$0$6,269,732
93$12,516,760$0$0$6,817,964
94$13,612,508$0$0$7,419,240
95$14,814,322$0$0$8,078,880
96$16,132,841$0$0$8,802,744
97$17,579,784$0$0$9,597,286
98$19,168,059$0$0$10,469,617
99$20,911,885$0$0$11,427,568
100$22,826,925$0$0$12,479,766