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%19.1%
1 years$67,302$66,702$66,118$65,547$64,989$62,609
2 years$33,318$32,697$32,096$31,513$30,947$28,575
3 years$21,991$21,368$20,768$20,191$19,634$17,346
4 years$16,329$15,708$15,114$14,546$14,003$11,815
5 years$12,933$12,315$11,729$11,173$10,645$8,564
6 years$10,669$10,056$9,479$8,935$8,423$6,450
7 years$9,053$8,445$7,877$7,346$6,850$4,984
8 years$7,841$7,239$6,680$6,162$5,683$3,923
9 years$6,899$6,303$5,754$5,249$4,786$3,129
10 years$6,146$5,556$5,016$4,525$4,078$2,521
11 years$5,531$4,946$4,416$3,938$3,507$2,048
12 years$5,018$4,439$3,919$3,454$3,039$1,673
13 years$4,584$4,012$3,502$3,049$2,650$1,374
14 years$4,213$3,647$3,146$2,707$2,323$1,133
15 years$3,892$3,331$2,841$2,414$2,045$937
16 years$3,611$3,056$2,575$2,162$1,808$777
17 years$3,363$2,815$2,344$1,942$1,603$646
18 years$3,143$2,601$2,139$1,750$1,425$537
19 years$2,947$2,411$1,958$1,581$1,270$448
20 years$2,770$2,240$1,797$1,432$1,135$374
21 years$2,610$2,086$1,653$1,300$1,015$312
22 years$2,465$1,948$1,524$1,182$910$261
23 years$2,333$1,822$1,407$1,076$817$219
24 years$2,212$1,707$1,301$982$734$183
25 years$2,101$1,602$1,205$897$661$153
26 years$1,999$1,505$1,118$820$595$128
27 years$1,904$1,417$1,038$750$537$108
28 years$1,816$1,335$965$688$484$90
29 years$1,735$1,259$898$630$437$76
30 years$1,659$1,189$836$579$395$63
31 years$1,588$1,124$780$531$357$53
32 years$1,522$1,064$727$488$323$45
33 years$1,460$1,007$679$449$292$37
34 years$1,401$955$635$413$265$31
35 years$1,346$906$593$380$240$26
36 years$1,294$860$555$350$217$22
37 years$1,246$816$520$323$197$19
38 years$1,199$776$487$298$179$16
39 years$1,156$738$456$274$162$13
40 years$1,114$702$427$253$147$11
41 years$1,075$668$401$233$133$9
42 years$1,038$636$376$215$121$8
43 years$1,002$606$353$199$110$7
44 years$968$578$331$184$100$5
45 years$936$551$311$170$90$5
46 years$905$526$292$157$82$4
47 years$876$502$274$145$75$3
48 years$848$479$258$134$68$3
49 years$821$457$242$124$61$2
50 years$796$437$228$114$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $815,000, adding $5,409 every year, while hoping to spend $44,181 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: 73/11/16 Blend
51$815,000$815,000$815,000$815,000
52$903,709$860,514$847,882$966,023
53$948,879$855,671$829,278$1,003,206
54$997,176$849,110$808,569$1,038,004
55$1,048,872$840,700$785,640$1,074,959
56$1,104,265$830,303$760,367$1,114,276
57$1,163,683$817,770$732,622$1,156,180
58$1,227,485$802,948$702,272$1,200,920
59$1,296,066$785,670$669,175$1,248,771
60$1,369,858$765,761$633,187$1,300,038
61$1,449,338$743,038$594,152$1,355,056
62$1,535,027$717,303$551,913$1,414,197
63$1,627,498$688,349$506,301$1,477,870
64$1,727,383$655,958$457,141$1,546,528
65$1,835,373$619,897$404,252$1,620,672
66$1,952,229$579,920$347,443$1,700,855
67$2,078,789$535,769$286,515$1,787,686
68$2,215,972$487,168$221,260$1,881,840
69$2,364,789$433,827$151,460$1,984,062
70$2,526,354$375,441$76,891$2,095,174
71$2,701,890$311,686$0$2,216,084
72$2,892,742$242,218$0$2,348,253
73$3,100,393$166,677$0$2,506,369
74$3,326,470$84,681$0$2,678,557
75$3,572,767$0$0$2,866,212
76$3,841,256$0$0$3,071,378
77$4,134,110$0$0$3,306,376
78$4,453,717$0$0$3,562,878
79$4,802,710$0$0$3,843,000
80$5,183,983$0$0$4,149,070
81$5,600,725$0$0$4,483,654
82$6,056,445$0$0$4,849,573
83$6,555,010$0$0$5,249,936
84$7,100,673$0$0$5,688,166
85$7,698,121$0$0$6,168,032
86$8,352,514$0$0$6,693,684
87$9,069,535$0$0$7,269,692
88$9,855,441$0$0$7,901,091
89$10,717,125$0$0$8,593,424
90$11,662,178$0$0$9,352,798
91$12,698,962$0$0$10,185,937
92$13,836,686$0$0$11,100,249
93$15,085,494$0$0$12,103,895
94$16,456,561$0$0$13,205,862
95$17,962,196$0$0$14,416,052
96$19,615,958$0$0$15,745,373
97$21,432,785$0$0$17,205,838
98$23,429,132$0$0$18,810,686
99$25,623,127$0$0$20,574,499
100$28,034,744$0$0$22,513,342