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%18.3%
1 years$67,467$66,866$66,280$65,708$65,149$62,963
2 years$33,400$32,778$32,175$31,590$31,023$28,842
3 years$22,045$21,420$20,819$20,240$19,682$17,575
4 years$16,369$15,746$15,151$14,582$14,038$12,020
5 years$12,964$12,345$11,758$11,200$10,671$8,749
6 years$10,695$10,081$9,502$8,957$8,444$6,618
7 years$9,075$8,466$7,896$7,364$6,867$5,138
8 years$7,861$7,257$6,697$6,177$5,697$4,063
9 years$6,916$6,318$5,768$5,262$4,798$3,257
10 years$6,162$5,569$5,029$4,536$4,088$2,638
11 years$5,544$4,958$4,427$3,947$3,516$2,153
12 years$5,030$4,450$3,929$3,462$3,047$1,769
13 years$4,596$4,022$3,510$3,057$2,657$1,461
14 years$4,224$3,656$3,154$2,714$2,329$1,211
15 years$3,901$3,339$2,848$2,420$2,050$1,007
16 years$3,620$3,064$2,582$2,167$1,812$840
17 years$3,371$2,822$2,349$1,947$1,607$702
18 years$3,151$2,607$2,145$1,755$1,429$588
19 years$2,954$2,416$1,963$1,585$1,273$493
20 years$2,777$2,245$1,802$1,436$1,137$414
21 years$2,617$2,092$1,657$1,303$1,018$348
22 years$2,471$1,952$1,527$1,185$912$293
23 years$2,339$1,826$1,410$1,079$819$247
24 years$2,218$1,711$1,304$984$736$208
25 years$2,106$1,606$1,208$899$662$175
26 years$2,004$1,509$1,120$822$597$148
27 years$1,909$1,420$1,040$752$538$125
28 years$1,821$1,338$967$689$485$105
29 years$1,739$1,262$900$632$438$89
30 years$1,663$1,192$838$580$396$75
31 years$1,592$1,127$782$533$358$63
32 years$1,525$1,066$729$490$324$53
33 years$1,463$1,010$681$450$293$45
34 years$1,405$957$636$414$265$38
35 years$1,349$908$595$381$240$32
36 years$1,298$862$556$351$218$27
37 years$1,249$818$521$324$197$23
38 years$1,202$778$488$298$179$19
39 years$1,158$740$457$275$162$16
40 years$1,117$704$428$254$147$14
41 years$1,078$670$402$234$134$12
42 years$1,040$638$377$216$121$10
43 years$1,005$608$353$199$110$8
44 years$971$579$332$184$100$7
45 years$938$552$312$170$91$6
46 years$908$527$293$157$82$5
47 years$878$503$275$145$75$4
48 years$850$480$258$134$68$4
49 years$823$459$243$124$62$3
50 years$798$438$228$115$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $817,000, adding $2,240 every year, while hoping to spend $37,795 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: 41/29/30 Blend
51$817,000$817,000$817,000$817,000
52$902,645$859,344$846,680$931,614
53$954,501$861,238$834,830$954,756
54$1,010,379$861,958$821,317$976,116
55$1,070,651$861,407$806,044$998,532
56$1,135,723$859,481$788,912$1,022,124
57$1,206,042$856,071$769,815$1,047,029
58$1,282,099$851,059$748,645$1,073,399
59$1,364,435$844,323$725,286$1,101,406
60$1,453,643$835,731$699,619$1,131,241
61$1,550,377$825,144$671,519$1,163,118
62$1,655,354$812,415$640,853$1,197,276
63$1,769,364$797,387$607,486$1,233,982
64$1,893,276$779,896$571,274$1,273,533
65$2,028,045$759,766$532,066$1,316,262
66$2,174,723$736,811$489,708$1,362,539
67$2,334,466$710,836$444,034$1,412,777
68$2,508,547$681,633$394,875$1,467,434
69$2,698,368$648,982$342,052$1,527,022
70$2,905,470$612,650$285,379$1,592,108
71$3,131,550$572,392$224,662$1,663,325
72$3,378,476$527,948$159,696$1,741,374
73$3,648,306$479,042$90,271$1,827,036
74$3,943,302$425,385$16,164$1,921,178
75$4,265,959$366,668$0$2,024,759
76$4,619,020$302,569$0$2,158,988
77$5,005,509$232,743$0$2,311,739
78$5,428,753$156,829$0$2,479,225
79$5,892,417$74,446$0$2,662,985
80$6,400,538$0$0$2,864,719
81$6,957,561$0$0$3,091,032
82$7,568,381$0$0$3,365,358
83$8,238,391$0$0$3,666,375
84$8,973,531$0$0$3,996,765
85$9,780,341$0$0$4,359,482
86$10,666,029$0$0$4,757,780
87$11,638,532$0$0$5,195,244
88$12,706,594$0$0$5,675,822
89$13,879,847$0$0$6,203,866
90$15,168,904$0$0$6,784,167
91$16,585,454$0$0$7,422,004
92$18,142,375$0$0$8,123,196
93$19,853,857$0$0$8,894,150
94$21,735,530$0$0$9,741,927
95$23,804,616$0$0$10,674,305
96$26,080,088$0$0$11,699,854
97$28,582,852$0$0$12,828,018
98$31,335,939$0$0$14,069,200
99$34,364,727$0$0$15,434,863
100$37,697,176$0$0$16,937,638