Can I retire at age 52 with 818,000?

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 $818,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.3%
1 years$67,550$66,948$66,361$65,788$65,228$62,789
2 years$33,440$32,818$32,214$31,629$31,061$28,632
3 years$22,072$21,447$20,845$20,265$19,706$17,363
4 years$16,389$15,766$15,170$14,600$14,055$11,815
5 years$12,980$12,360$11,772$11,214$10,684$8,555
6 years$10,708$10,093$9,514$8,968$8,454$6,436
7 years$9,086$8,476$7,906$7,373$6,875$4,968
8 years$7,870$7,266$6,705$6,185$5,704$3,905
9 years$6,925$6,326$5,775$5,268$4,803$3,111
10 years$6,169$5,576$5,035$4,541$4,093$2,504
11 years$5,551$4,964$4,432$3,952$3,520$2,031
12 years$5,036$4,456$3,934$3,467$3,050$1,657
13 years$4,601$4,027$3,514$3,061$2,660$1,359
14 years$4,229$3,660$3,158$2,717$2,332$1,119
15 years$3,906$3,343$2,851$2,423$2,053$924
16 years$3,624$3,068$2,585$2,169$1,814$765
17 years$3,375$2,825$2,352$1,949$1,609$635
18 years$3,155$2,611$2,147$1,757$1,430$528
19 years$2,957$2,419$1,966$1,587$1,275$439
20 years$2,780$2,248$1,804$1,438$1,139$366
21 years$2,620$2,094$1,659$1,305$1,019$305
22 years$2,474$1,955$1,529$1,186$914$255
23 years$2,342$1,828$1,412$1,080$820$213
24 years$2,220$1,713$1,306$985$737$178
25 years$2,109$1,608$1,210$900$663$149
26 years$2,006$1,511$1,122$823$597$125
27 years$1,911$1,422$1,042$753$539$104
28 years$1,823$1,340$968$690$486$87
29 years$1,741$1,264$901$633$439$73
30 years$1,665$1,194$839$581$397$61
31 years$1,594$1,128$783$533$359$51
32 years$1,527$1,068$730$490$324$43
33 years$1,465$1,011$682$451$293$36
34 years$1,406$958$637$415$266$30
35 years$1,351$909$596$382$241$25
36 years$1,299$863$557$352$218$21
37 years$1,250$819$521$324$198$18
38 years$1,204$779$488$299$179$15
39 years$1,160$741$457$275$162$12
40 years$1,118$705$429$254$147$10
41 years$1,079$671$402$234$134$9
42 years$1,041$639$377$216$121$7
43 years$1,006$609$354$200$110$6
44 years$972$580$332$184$100$5
45 years$940$553$312$170$91$4
46 years$909$528$293$157$82$4
47 years$879$504$275$145$75$3
48 years$851$481$259$134$68$3
49 years$824$459$243$124$62$2
50 years$799$439$229$115$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $818,000, adding $4,071 every year, while hoping to spend $31,810 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: 61/14/25 Blend
51$818,000$818,000$818,000$818,000
52$905,635$862,281$849,602$954,611
53$964,164$870,687$844,218$996,746
54$1,027,597$878,439$837,588$1,038,895
55$1,096,401$885,471$829,636$1,084,209
56$1,171,088$891,714$820,283$1,133,004
57$1,252,223$897,092$809,446$1,185,625
58$1,340,427$901,526$797,040$1,242,456
59$1,436,383$904,933$782,973$1,303,922
60$1,540,842$907,223$767,150$1,370,489
61$1,654,631$908,300$749,473$1,442,674
62$1,778,660$908,064$729,838$1,521,047
63$1,913,931$906,407$708,135$1,606,237
64$2,061,546$903,215$684,251$1,698,939
65$2,222,718$898,366$658,068$1,799,921
66$2,398,783$891,734$629,460$1,910,030
67$2,591,210$883,180$598,299$2,030,200
68$2,801,620$872,562$564,448$2,161,463
69$3,031,793$859,726$527,765$2,304,959
70$3,283,693$844,510$488,103$2,461,944
71$3,559,481$826,742$445,305$2,633,807
72$3,861,536$806,240$399,210$2,822,077
73$4,192,478$782,811$349,650$3,028,446
74$4,555,194$756,252$296,446$3,254,778
75$4,952,862$726,347$239,416$3,503,130
76$5,388,983$692,867$178,365$3,775,772
77$5,867,413$655,571$113,094$4,075,209
78$6,392,399$614,204$43,392$4,404,204
79$6,968,618$568,494$0$4,765,805
80$7,601,223$518,156$0$5,171,644
81$8,295,891$462,889$0$5,630,051
82$9,058,874$402,373$0$6,133,597
83$9,897,061$336,272$0$6,686,861
84$10,818,040$264,227$0$7,294,892
85$11,830,170$185,865$0$7,963,254
86$12,942,662$100,786$0$8,698,077
87$14,165,660$8,572$0$9,506,122
88$15,510,344$0$0$10,394,836
89$16,989,029$0$0$11,386,483
90$18,615,284$0$0$12,478,617
91$20,404,058$0$0$13,679,965
92$22,371,823$0$0$15,001,600
93$24,536,726$0$0$16,455,720
94$26,918,763$0$0$18,055,765
95$29,539,965$0$0$19,816,543
96$32,424,608$0$0$21,754,372
97$35,599,438$0$0$23,887,230
98$39,093,928$0$0$26,234,929
99$42,940,552$0$0$28,819,295
100$47,175,091$0$0$31,664,381