Can I retire at age 52 with 819,000?

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 $819,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$67,632$67,030$66,442$65,868$65,308$63,218
2 years$33,481$32,858$32,253$31,667$31,099$29,012
3 years$22,099$21,473$20,870$20,290$19,731$17,713
4 years$16,409$15,785$15,188$14,618$14,072$12,139
5 years$12,996$12,376$11,787$11,228$10,697$8,854
6 years$10,721$10,106$9,525$8,979$8,464$6,712
7 years$9,097$8,487$7,916$7,382$6,884$5,223
8 years$7,880$7,275$6,713$6,193$5,711$4,140
9 years$6,933$6,334$5,782$5,275$4,809$3,327
10 years$6,177$5,583$5,041$4,547$4,098$2,701
11 years$5,558$4,970$4,438$3,957$3,524$2,211
12 years$5,043$4,461$3,938$3,471$3,054$1,821
13 years$4,607$4,031$3,519$3,064$2,663$1,508
14 years$4,234$3,664$3,162$2,720$2,335$1,253
15 years$3,911$3,348$2,855$2,426$2,055$1,046
16 years$3,628$3,071$2,588$2,172$1,817$875
17 years$3,380$2,829$2,355$1,952$1,611$733
18 years$3,159$2,614$2,150$1,759$1,432$616
19 years$2,961$2,422$1,968$1,589$1,277$518
20 years$2,784$2,251$1,806$1,439$1,140$436
21 years$2,623$2,097$1,661$1,306$1,020$368
22 years$2,477$1,957$1,531$1,188$915$311
23 years$2,345$1,831$1,414$1,082$821$262
24 years$2,223$1,715$1,308$987$738$222
25 years$2,112$1,610$1,211$901$664$187
26 years$2,009$1,513$1,123$824$598$159
27 years$1,914$1,424$1,043$754$539$134
28 years$1,825$1,341$970$691$487$114
29 years$1,743$1,266$902$634$439$96
30 years$1,667$1,195$840$581$397$82
31 years$1,596$1,130$783$534$359$69
32 years$1,529$1,069$731$491$325$59
33 years$1,467$1,012$683$451$294$50
34 years$1,408$960$638$415$266$42
35 years$1,353$910$596$382$241$36
36 years$1,301$864$558$352$218$30
37 years$1,252$820$522$324$198$26
38 years$1,205$780$489$299$179$22
39 years$1,161$741$458$276$163$18
40 years$1,120$705$429$254$148$16
41 years$1,080$671$403$235$134$13
42 years$1,043$639$378$216$121$11
43 years$1,007$609$354$200$110$10
44 years$973$581$333$185$100$8
45 years$941$554$312$170$91$7
46 years$910$528$293$157$82$6
47 years$880$504$276$145$75$5
48 years$852$481$259$134$68$4
49 years$825$460$243$124$62$4
50 years$800$439$229$115$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $819,000, adding $5,901 every year, while hoping to spend $23,453 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: 31/47/22 Blend
51$819,000$819,000$819,000$819,000
52$908,625$865,218$852,523$930,444
53$976,351$882,660$856,129$964,924
54$1,050,199$900,170$859,070$999,503
55$1,130,768$917,728$861,298$1,036,240
56$1,218,720$935,310$862,764$1,075,340
57$1,314,779$952,890$863,417$1,117,026
58$1,419,747$970,442$863,202$1,161,545
59$1,534,504$987,936$862,062$1,209,171
60$1,660,019$1,005,341$859,937$1,260,206
61$1,797,360$1,022,622$856,764$1,314,983
62$1,947,703$1,039,742$852,477$1,373,872
63$2,112,341$1,056,662$847,007$1,437,278
64$2,292,701$1,073,339$840,283$1,505,653
65$2,490,351$1,089,728$832,227$1,579,491
66$2,707,022$1,105,779$822,762$1,659,342
67$2,944,616$1,121,440$811,802$1,745,812
68$3,205,232$1,136,656$799,263$1,839,569
69$3,491,178$1,151,365$785,051$1,941,353
70$3,805,001$1,165,504$769,072$2,051,979
71$4,149,501$1,179,004$751,227$2,172,348
72$4,527,767$1,191,792$731,409$2,303,455
73$4,943,198$1,203,789$709,511$2,446,399
74$5,399,543$1,214,913$685,418$2,602,392
75$5,900,926$1,225,074$659,010$2,772,774
76$6,451,896$1,234,178$630,162$2,959,022
77$7,057,461$1,242,123$598,743$3,162,768
78$7,723,138$1,248,804$564,617$3,385,814
79$8,455,008$1,254,105$527,642$3,630,147
80$9,259,768$1,257,905$487,667$3,897,963
81$10,144,797$1,260,076$444,537$4,191,683
82$11,118,226$1,260,479$398,089$4,513,980
83$12,189,013$1,258,970$348,152$4,867,804
84$13,367,027$1,255,394$294,550$5,256,410
85$14,663,142$1,249,588$237,096$5,683,391
86$16,089,341$1,241,375$175,597$6,152,708
87$17,658,825$1,230,573$109,850$6,668,736
88$19,386,139$1,216,986$39,644$7,236,300
89$21,287,312$1,200,405$0$7,860,721
90$23,380,004$1,180,611$0$8,556,155
91$25,683,675$1,157,371$0$9,331,267
92$28,219,765$1,130,438$0$10,183,945
93$31,011,902$1,099,550$0$11,122,131
94$34,086,119$1,064,431$0$12,154,581
95$37,471,102$1,024,788$0$13,290,950
96$41,198,463$980,310$0$14,541,884
97$45,303,031$930,671$0$15,919,120
98$49,823,189$875,522$0$17,435,597
99$54,801,228$814,497$0$19,105,583
100$60,283,755$747,208$0$20,944,807