Can I retire at age 52 with 817,000?

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 $817,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$67,467$66,866$66,280$65,708$65,149$63,886
2 years$33,400$32,778$32,175$31,590$31,023$29,756
3 years$22,045$21,420$20,819$20,240$19,682$18,450
4 years$16,369$15,746$15,151$14,582$14,038$12,850
5 years$12,964$12,345$11,758$11,200$10,671$9,532
6 years$10,695$10,081$9,502$8,957$8,444$7,354
7 years$9,075$8,466$7,896$7,364$6,867$5,826
8 years$7,861$7,257$6,697$6,177$5,697$4,706
9 years$6,916$6,318$5,768$5,262$4,798$3,855
10 years$6,162$5,569$5,029$4,536$4,088$3,193
11 years$5,544$4,958$4,427$3,947$3,516$2,667
12 years$5,030$4,450$3,929$3,462$3,047$2,244
13 years$4,596$4,022$3,510$3,057$2,657$1,898
14 years$4,224$3,656$3,154$2,714$2,329$1,613
15 years$3,901$3,339$2,848$2,420$2,050$1,376
16 years$3,620$3,064$2,582$2,167$1,812$1,178
17 years$3,371$2,822$2,349$1,947$1,607$1,010
18 years$3,151$2,607$2,145$1,755$1,429$869
19 years$2,954$2,416$1,963$1,585$1,273$749
20 years$2,777$2,245$1,802$1,436$1,137$646
21 years$2,617$2,092$1,657$1,303$1,018$558
22 years$2,471$1,952$1,527$1,185$912$483
23 years$2,339$1,826$1,410$1,079$819$419
24 years$2,218$1,711$1,304$984$736$363
25 years$2,106$1,606$1,208$899$662$315
26 years$2,004$1,509$1,120$822$597$273
27 years$1,909$1,420$1,040$752$538$237
28 years$1,821$1,338$967$689$485$206
29 years$1,739$1,262$900$632$438$179
30 years$1,663$1,192$838$580$396$156
31 years$1,592$1,127$782$533$358$136
32 years$1,525$1,066$729$490$324$118
33 years$1,463$1,010$681$450$293$103
34 years$1,405$957$636$414$265$89
35 years$1,349$908$595$381$240$78
36 years$1,298$862$556$351$218$68
37 years$1,249$818$521$324$197$59
38 years$1,202$778$488$298$179$51
39 years$1,158$740$457$275$162$45
40 years$1,117$704$428$254$147$39
41 years$1,078$670$402$234$134$34
42 years$1,040$638$377$216$121$30
43 years$1,005$608$353$199$110$26
44 years$971$579$332$184$100$23
45 years$938$552$312$170$91$20
46 years$908$527$293$157$82$17
47 years$878$503$275$145$75$15
48 years$850$480$258$134$68$13
49 years$823$459$243$124$62$11
50 years$798$438$228$115$56$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $817,000, adding $2,996 every year, while hoping to spend $27,878 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: 76/18/6 Blend
51$817,000$817,000$817,000$817,000
52$903,424$860,123$847,460$971,322
53$965,912$872,607$846,188$1,028,829
54$1,033,838$884,769$843,939$1,087,958
55$1,107,730$896,562$840,651$1,151,952
56$1,188,164$907,940$836,258$1,221,281
57$1,275,777$918,849$830,693$1,296,464
58$1,371,269$929,235$823,884$1,378,072
59$1,475,410$939,039$815,755$1,466,736
60$1,589,047$948,198$806,229$1,563,148
61$1,713,115$956,645$795,223$1,668,072
62$1,848,641$964,308$782,651$1,782,351
63$1,996,754$971,112$768,422$1,906,910
64$2,158,702$976,974$752,442$2,042,773
65$2,335,853$981,810$734,613$2,191,065
66$2,529,719$985,527$714,831$2,353,026
67$2,741,960$988,028$692,988$2,530,024
68$2,974,408$989,210$668,971$2,723,565
69$3,229,078$988,961$642,661$2,935,309
70$3,508,189$987,165$613,936$3,167,085
71$3,814,186$983,698$582,665$3,420,910
72$4,149,763$978,429$548,714$3,699,006
73$4,517,883$971,217$511,941$4,003,821
74$4,921,815$961,914$472,198$4,338,055
75$5,365,156$950,364$429,332$4,704,681
76$5,851,869$936,399$383,182$5,106,977
77$6,386,319$919,842$333,579$5,548,557
78$6,973,317$900,508$280,347$6,033,401
79$7,618,160$878,197$223,303$6,565,899
80$8,326,684$852,701$162,255$7,150,888
81$9,105,319$823,796$97,004$7,793,697
82$9,961,149$791,249$27,340$8,500,202
83$10,901,975$754,810$0$9,276,879
84$11,936,398$714,216$0$10,133,873
85$13,073,887$669,189$0$11,078,106
86$14,324,880$619,436$0$12,116,509
87$15,700,873$564,644$0$13,258,654
88$17,214,536$504,486$0$14,515,089
89$18,879,826$438,613$0$15,897,437
90$20,712,123$366,659$0$17,418,511
91$22,728,369$288,235$0$19,092,427
92$24,947,237$202,933$0$20,934,747
93$27,389,297$110,319$0$22,962,616
94$30,077,217$9,936$0$25,194,933
95$33,035,972$0$0$27,652,525
96$36,293,083$0$0$30,377,895
97$39,878,874$0$0$33,380,490
98$43,826,758$0$0$36,686,328
99$48,173,554$0$0$40,326,243
100$52,959,832$0$0$44,334,214