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%19.6%
1 years$67,550$66,948$66,361$65,788$65,228$62,715
2 years$33,440$32,818$32,214$31,629$31,061$28,559
3 years$22,072$21,447$20,845$20,265$19,706$17,294
4 years$16,389$15,766$15,170$14,600$14,055$11,751
5 years$12,980$12,360$11,772$11,214$10,684$8,494
6 years$10,708$10,093$9,514$8,968$8,454$6,380
7 years$9,086$8,476$7,906$7,373$6,875$4,916
8 years$7,870$7,266$6,705$6,185$5,704$3,858
9 years$6,925$6,326$5,775$5,268$4,803$3,068
10 years$6,169$5,576$5,035$4,541$4,093$2,464
11 years$5,551$4,964$4,432$3,952$3,520$1,995
12 years$5,036$4,456$3,934$3,467$3,050$1,625
13 years$4,601$4,027$3,514$3,061$2,660$1,330
14 years$4,229$3,660$3,158$2,717$2,332$1,092
15 years$3,906$3,343$2,851$2,423$2,053$900
16 years$3,624$3,068$2,585$2,169$1,814$744
17 years$3,375$2,825$2,352$1,949$1,609$616
18 years$3,155$2,611$2,147$1,757$1,430$511
19 years$2,957$2,419$1,966$1,587$1,275$424
20 years$2,780$2,248$1,804$1,438$1,139$353
21 years$2,620$2,094$1,659$1,305$1,019$293
22 years$2,474$1,955$1,529$1,186$914$244
23 years$2,342$1,828$1,412$1,080$820$204
24 years$2,220$1,713$1,306$985$737$170
25 years$2,109$1,608$1,210$900$663$142
26 years$2,006$1,511$1,122$823$597$118
27 years$1,911$1,422$1,042$753$539$99
28 years$1,823$1,340$968$690$486$82
29 years$1,741$1,264$901$633$439$69
30 years$1,665$1,194$839$581$397$58
31 years$1,594$1,128$783$533$359$48
32 years$1,527$1,068$730$490$324$40
33 years$1,465$1,011$682$451$293$34
34 years$1,406$958$637$415$266$28
35 years$1,351$909$596$382$241$23
36 years$1,299$863$557$352$218$20
37 years$1,250$819$521$324$198$16
38 years$1,204$779$488$299$179$14
39 years$1,160$741$457$275$162$11
40 years$1,118$705$429$254$147$10
41 years$1,079$671$402$234$134$8
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$3
47 years$879$504$275$145$75$3
48 years$851$481$259$134$68$2
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 $2,432 every year, while hoping to spend $22,854 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: 64/12/24 Blend
51$818,000$818,000$818,000$818,000
52$903,945$860,591$847,912$955,983
53$971,830$878,443$852,000$1,009,247
54$1,045,875$896,404$855,460$1,064,649
55$1,126,681$914,456$858,245$1,124,666
56$1,214,915$932,576$860,309$1,189,753
57$1,311,309$950,744$861,601$1,260,411
58$1,416,667$968,936$862,069$1,337,193
59$1,531,877$987,124$861,659$1,420,707
60$1,657,916$1,005,280$860,312$1,511,624
61$1,795,859$1,023,375$857,968$1,610,685
62$1,946,891$1,041,375$854,564$1,718,704
63$2,112,316$1,059,244$850,034$1,836,580
64$2,293,569$1,076,944$844,307$1,965,305
65$2,492,233$1,094,434$837,311$2,105,970
66$2,710,049$1,111,669$828,970$2,259,780
67$2,948,936$1,128,603$819,202$2,428,062
68$3,211,007$1,145,184$807,925$2,612,280
69$3,498,590$1,161,358$795,051$2,814,045
70$3,814,248$1,177,067$780,487$3,035,137
71$4,160,806$1,192,247$764,137$3,277,515
72$4,541,373$1,206,833$745,901$3,543,341
73$4,959,378$1,220,752$725,674$3,834,996
74$5,418,595$1,233,930$703,344$4,155,105
75$5,923,183$1,246,284$678,797$4,506,564
76$6,477,724$1,257,727$651,913$4,892,562
77$7,087,264$1,268,169$622,565$5,316,618
78$7,757,365$1,277,509$590,621$5,782,607
79$8,494,154$1,285,644$555,944$6,294,803
80$9,304,379$1,292,462$518,390$6,857,918
81$10,195,477$1,297,845$477,808$7,477,144
82$11,175,643$1,301,666$434,041$8,158,204
83$12,253,902$1,303,791$386,925$8,907,409
84$13,440,201$1,304,078$336,288$9,731,712
85$14,745,500$1,302,376$281,952$10,638,780
86$16,181,873$1,298,524$223,729$11,637,063
87$17,762,624$1,292,352$161,424$12,735,872
88$19,502,413$1,283,679$94,833$13,945,476
89$21,417,392$1,272,313$23,744$15,277,189
90$23,525,361$1,258,050$0$16,743,482
91$25,845,928$1,240,676$0$18,371,451
92$28,400,705$1,219,961$0$20,170,256
93$31,213,501$1,195,663$0$22,150,573
94$34,310,554$1,167,527$0$24,330,874
95$37,720,775$1,135,280$0$26,731,514
96$41,476,021$1,098,635$0$29,374,925
97$45,611,395$1,057,288$0$32,285,825
98$50,165,578$1,010,916$0$35,491,457
99$55,181,196$959,180$0$39,021,837
100$60,705,217$901,719$0$42,910,047