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%16.3%
1 years$67,467$66,866$66,280$65,708$65,149$63,471
2 years$33,400$32,778$32,175$31,590$31,023$29,344
3 years$22,045$21,420$20,819$20,240$19,682$18,054
4 years$16,369$15,746$15,151$14,582$14,038$12,473
5 years$12,964$12,345$11,758$11,200$10,671$9,175
6 years$10,695$10,081$9,502$8,957$8,444$7,017
7 years$9,075$8,466$7,896$7,364$6,867$5,510
8 years$7,861$7,257$6,697$6,177$5,697$4,408
9 years$6,916$6,318$5,768$5,262$4,798$3,577
10 years$6,162$5,569$5,029$4,536$4,088$2,933
11 years$5,544$4,958$4,427$3,947$3,516$2,426
12 years$5,030$4,450$3,929$3,462$3,047$2,020
13 years$4,596$4,022$3,510$3,057$2,657$1,690
14 years$4,224$3,656$3,154$2,714$2,329$1,421
15 years$3,901$3,339$2,848$2,420$2,050$1,199
16 years$3,620$3,064$2,582$2,167$1,812$1,014
17 years$3,371$2,822$2,349$1,947$1,607$860
18 years$3,151$2,607$2,145$1,755$1,429$731
19 years$2,954$2,416$1,963$1,585$1,273$622
20 years$2,777$2,245$1,802$1,436$1,137$531
21 years$2,617$2,092$1,657$1,303$1,018$453
22 years$2,471$1,952$1,527$1,185$912$387
23 years$2,339$1,826$1,410$1,079$819$331
24 years$2,218$1,711$1,304$984$736$284
25 years$2,106$1,606$1,208$899$662$243
26 years$2,004$1,509$1,120$822$597$208
27 years$1,909$1,420$1,040$752$538$178
28 years$1,821$1,338$967$689$485$153
29 years$1,739$1,262$900$632$438$131
30 years$1,663$1,192$838$580$396$113
31 years$1,592$1,127$782$533$358$97
32 years$1,525$1,066$729$490$324$83
33 years$1,463$1,010$681$450$293$71
34 years$1,405$957$636$414$265$61
35 years$1,349$908$595$381$240$53
36 years$1,298$862$556$351$218$45
37 years$1,249$818$521$324$197$39
38 years$1,202$778$488$298$179$33
39 years$1,158$740$457$275$162$29
40 years$1,117$704$428$254$147$25
41 years$1,078$670$402$234$134$21
42 years$1,040$638$377$216$121$18
43 years$1,005$608$353$199$110$16
44 years$971$579$332$184$100$13
45 years$938$552$312$170$91$12
46 years$908$527$293$157$82$10
47 years$878$503$275$145$75$9
48 years$850$480$258$134$68$7
49 years$823$459$243$124$62$6
50 years$798$438$228$115$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $817,000, adding $6,081 every year, while hoping to spend $29,052 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: 32/43/25 Blend
51$817,000$817,000$817,000$817,000
52$906,607$863,306$850,642$928,512
53$968,169$874,696$848,227$957,044
54$1,035,038$885,672$844,758$984,740
55$1,107,722$896,180$840,169$1,013,988
56$1,186,785$906,168$834,389$1,044,945
57$1,272,843$915,577$827,347$1,077,783
58$1,366,577$924,344$818,967$1,112,695
59$1,468,735$932,403$809,169$1,149,895
60$1,580,140$939,685$797,871$1,189,618
61$1,701,698$946,114$784,983$1,232,130
62$1,834,408$951,610$770,417$1,277,722
63$1,979,366$956,088$754,075$1,326,717
64$2,137,783$959,457$735,858$1,379,477
65$2,310,989$961,623$715,661$1,436,399
66$2,500,449$962,481$693,374$1,497,927
67$2,707,776$961,925$668,884$1,564,551
68$2,934,748$959,838$642,071$1,636,814
69$3,183,321$956,098$612,808$1,715,320
70$3,455,648$950,576$580,966$1,800,735
71$3,754,104$943,133$546,408$1,893,798
72$4,081,300$933,624$508,990$1,995,329
73$4,440,115$921,894$468,563$2,106,234
74$4,833,718$907,779$424,972$2,227,517
75$5,265,602$891,104$378,053$2,360,288
76$5,739,611$871,686$327,635$2,505,777
77$6,259,982$849,329$273,542$2,665,343
78$6,831,381$823,827$215,587$2,840,491
79$7,458,949$794,962$153,576$3,032,886
80$8,148,348$762,501$87,306$3,244,366
81$8,905,816$726,200$16,567$3,476,968
82$9,738,225$685,799$0$3,732,940
83$10,653,146$641,026$0$4,030,488
84$11,658,921$591,590$0$4,362,381
85$12,764,737$537,185$0$4,727,296
86$13,980,721$477,487$0$5,128,657
87$15,318,025$412,154$0$5,570,242
88$16,788,939$340,825$0$6,056,222
89$18,407,003$263,118$0$6,591,199
90$20,187,136$178,629$0$7,180,251
91$22,145,775$86,933$0$7,828,982
92$24,301,030$0$0$8,543,575
93$26,672,859$0$0$9,336,729
94$29,283,247$0$0$10,255,077
95$32,156,422$0$0$11,266,025
96$35,319,078$0$0$12,378,986
97$38,800,631$0$0$13,604,329
98$42,633,491$0$0$14,953,481
99$46,853,372$0$0$16,439,035
100$51,499,625$0$0$18,074,864