Can I retire at age 52 with 815,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%13.4%
1 years$67,302$66,702$66,118$65,547$64,989$64,071
2 years$33,318$32,697$32,096$31,513$30,947$30,024
3 years$21,991$21,368$20,768$20,191$19,634$18,734
4 years$16,329$15,708$15,114$14,546$14,003$13,134
5 years$12,933$12,315$11,729$11,173$10,645$9,809
6 years$10,669$10,056$9,479$8,935$8,423$7,621
7 years$9,053$8,445$7,877$7,346$6,850$6,082
8 years$7,841$7,239$6,680$6,162$5,683$4,949
9 years$6,899$6,303$5,754$5,249$4,786$4,086
10 years$6,146$5,556$5,016$4,525$4,078$3,411
11 years$5,531$4,946$4,416$3,938$3,507$2,873
12 years$5,018$4,439$3,919$3,454$3,039$2,437
13 years$4,584$4,012$3,502$3,049$2,650$2,080
14 years$4,213$3,647$3,146$2,707$2,323$1,783
15 years$3,892$3,331$2,841$2,414$2,045$1,535
16 years$3,611$3,056$2,575$2,162$1,808$1,325
17 years$3,363$2,815$2,344$1,942$1,603$1,148
18 years$3,143$2,601$2,139$1,750$1,425$996
19 years$2,947$2,411$1,958$1,581$1,270$867
20 years$2,770$2,240$1,797$1,432$1,135$755
21 years$2,610$2,086$1,653$1,300$1,015$659
22 years$2,465$1,948$1,524$1,182$910$576
23 years$2,333$1,822$1,407$1,076$817$504
24 years$2,212$1,707$1,301$982$734$441
25 years$2,101$1,602$1,205$897$661$387
26 years$1,999$1,505$1,118$820$595$339
27 years$1,904$1,417$1,038$750$537$298
28 years$1,816$1,335$965$688$484$262
29 years$1,735$1,259$898$630$437$230
30 years$1,659$1,189$836$579$395$202
31 years$1,588$1,124$780$531$357$178
32 years$1,522$1,064$727$488$323$156
33 years$1,460$1,007$679$449$292$138
34 years$1,401$955$635$413$265$121
35 years$1,346$906$593$380$240$107
36 years$1,294$860$555$350$217$94
37 years$1,246$816$520$323$197$83
38 years$1,199$776$487$298$179$73
39 years$1,156$738$456$274$162$64
40 years$1,114$702$427$253$147$57
41 years$1,075$668$401$233$133$50
42 years$1,038$636$376$215$121$44
43 years$1,002$606$353$199$110$39
44 years$968$578$331$184$100$34
45 years$936$551$311$170$90$30
46 years$905$526$292$157$82$26
47 years$876$502$274$145$75$23
48 years$848$479$258$134$68$21
49 years$821$457$242$124$61$18
50 years$796$437$228$114$56$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $815,000, adding $6,379 every year, while hoping to spend $54,804 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: 86/5/9 Blend
51$815,000$815,000$815,000$815,000
52$904,710$861,515$848,882$980,944
53$938,679$845,418$819,009$1,015,561
54$974,277$826,696$786,298$1,045,444
55$1,011,611$805,161$750,596$1,076,552
56$1,050,798$780,617$711,745$1,108,972
57$1,091,967$752,855$669,575$1,142,798
58$1,135,255$721,653$623,914$1,178,133
59$1,180,814$686,777$574,578$1,215,092
60$1,228,808$647,979$521,377$1,253,799
61$1,279,414$604,999$464,111$1,294,392
62$1,332,829$557,558$402,573$1,337,021
63$1,389,264$505,364$336,546$1,381,853
64$1,448,950$448,109$265,801$1,429,069
65$1,512,141$385,464$190,104$1,478,870
66$1,579,112$317,084$109,205$1,531,477
67$1,650,165$242,605$22,847$1,587,133
68$1,725,631$161,642$0$1,646,105
69$1,805,868$73,786$0$1,715,344
70$1,891,274$0$0$1,791,293
71$1,982,278$0$0$1,873,317
72$2,079,355$0$0$1,965,151
73$2,183,023$0$0$2,063,226
74$2,293,849$0$0$2,168,080
75$2,412,457$0$0$2,280,303
76$2,539,529$0$0$2,400,541
77$2,675,813$0$0$2,529,505
78$2,822,132$0$0$2,667,972
79$2,979,388$0$0$2,816,797
80$3,148,569$0$0$2,976,919
81$3,330,763$0$0$3,149,366
82$3,527,164$0$0$3,335,270
83$3,739,083$0$0$3,535,874
84$3,967,959$0$0$3,752,541
85$4,215,378$0$0$3,986,773
86$4,483,077$0$0$4,240,219
87$4,772,971$0$0$4,514,689
88$5,087,161$0$0$4,812,178
89$5,427,960$0$0$5,134,876
90$5,797,911$0$0$5,485,192
91$6,199,809$0$0$5,865,777
92$6,636,733$0$0$6,279,546
93$7,112,066$0$0$6,729,707
94$7,629,533$0$0$7,219,788
95$8,193,230$0$0$7,753,673
96$8,807,666$0$0$8,335,633
97$9,477,806$0$0$8,970,373
98$10,209,109$0$0$9,663,069
99$11,007,590$0$0$10,419,417
100$11,879,866$0$0$11,245,691