Can I retire at age 52 with 820,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $820,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$67,715$67,112$66,523$65,949$65,388$64,759
2 years$33,522$32,898$32,293$31,706$31,137$30,504
3 years$22,126$21,499$20,896$20,314$19,755$19,136
4 years$16,429$15,804$15,207$14,635$14,089$13,490
5 years$13,012$12,391$11,801$11,241$10,710$10,133
6 years$10,735$10,118$9,537$8,990$8,475$7,920
7 years$9,108$8,497$7,925$7,391$6,892$6,360
8 years$7,889$7,283$6,721$6,200$5,718$5,208
9 years$6,942$6,342$5,789$5,281$4,815$4,327
10 years$6,184$5,590$5,047$4,552$4,103$3,637
11 years$5,565$4,976$4,443$3,962$3,529$3,084
12 years$5,049$4,466$3,943$3,475$3,058$2,635
13 years$4,613$4,036$3,523$3,068$2,666$2,264
14 years$4,239$3,669$3,165$2,723$2,337$1,955
15 years$3,916$3,352$2,858$2,429$2,058$1,696
16 years$3,633$3,075$2,591$2,175$1,819$1,475
17 years$3,384$2,832$2,358$1,954$1,613$1,288
18 years$3,162$2,617$2,152$1,761$1,434$1,127
19 years$2,965$2,425$1,970$1,591$1,278$988
20 years$2,787$2,254$1,808$1,441$1,142$868
21 years$2,626$2,099$1,663$1,308$1,022$764
22 years$2,480$1,960$1,533$1,189$916$673
23 years$2,348$1,833$1,416$1,083$822$594
24 years$2,226$1,717$1,309$988$739$525
25 years$2,114$1,611$1,212$902$665$464
26 years$2,011$1,515$1,125$825$599$410
27 years$1,916$1,425$1,044$755$540$363
28 years$1,828$1,343$971$692$487$322
29 years$1,746$1,267$903$634$440$285
30 years$1,669$1,197$841$582$398$253
31 years$1,598$1,131$784$535$359$225
32 years$1,531$1,070$732$491$325$199
33 years$1,468$1,014$683$452$294$177
34 years$1,410$961$639$416$266$157
35 years$1,354$911$597$383$241$140
36 years$1,302$865$558$352$219$124
37 years$1,253$821$523$325$198$110
38 years$1,207$781$489$299$180$98
39 years$1,163$742$459$276$163$87
40 years$1,121$706$430$255$148$78
41 years$1,082$672$403$235$134$69
42 years$1,044$640$378$217$122$61
43 years$1,008$610$355$200$110$55
44 years$974$581$333$185$100$49
45 years$942$555$313$171$91$43
46 years$911$529$294$158$83$39
47 years$882$505$276$146$75$34
48 years$853$482$259$135$68$31
49 years$826$460$244$124$62$27
50 years$801$440$229$115$56$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $820,000, adding $4,074 every year, while hoping to spend $24,607 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: 27/44/29 Blend
51$820,000$820,000$820,000$820,000
52$907,842$864,382$851,672$924,096
53$974,261$880,555$854,022$953,814
54$1,046,629$896,696$855,625$983,325
55$1,125,528$912,777$856,431$1,014,515
56$1,211,597$928,769$856,387$1,047,543
57$1,305,540$944,639$855,437$1,082,588
58$1,408,132$960,353$853,520$1,119,847
59$1,520,225$975,874$850,577$1,159,537
60$1,642,758$991,161$846,541$1,201,901
61$1,776,765$1,006,174$841,346$1,247,206
62$1,923,384$1,020,865$834,920$1,295,748
63$2,083,867$1,035,186$827,188$1,347,854
64$2,259,595$1,049,083$818,072$1,403,889
65$2,452,087$1,062,502$807,491$1,464,254
66$2,663,017$1,075,382$795,359$1,529,393
67$2,894,228$1,087,658$781,586$1,599,798
68$3,147,749$1,099,263$766,079$1,676,014
69$3,425,816$1,110,123$748,739$1,758,643
70$3,730,890$1,120,161$729,464$1,848,351
71$4,065,686$1,129,294$708,145$1,945,874
72$4,433,189$1,137,432$684,671$2,052,026
73$4,836,691$1,144,483$658,924$2,167,709
74$5,279,816$1,150,345$630,781$2,293,918
75$5,766,559$1,154,913$600,114$2,431,753
76$6,301,317$1,158,074$566,787$2,582,431
77$6,888,938$1,159,706$530,661$2,747,297
78$7,534,760$1,159,682$491,588$2,927,835
79$8,244,665$1,157,866$449,416$3,125,688
80$9,025,133$1,154,113$403,984$3,342,668
81$9,883,304$1,148,272$355,124$3,580,780
82$10,827,042$1,140,179$302,662$3,842,237
83$11,865,015$1,129,662$246,416$4,129,482
84$13,006,770$1,116,539$186,194$4,445,216
85$14,262,826$1,100,615$121,798$4,792,420
86$15,644,776$1,081,687$53,019$5,174,386
87$17,165,389$1,059,536$0$5,594,748
88$18,838,738$1,033,932$0$6,063,825
89$20,680,326$1,004,631$0$6,597,659
90$22,707,237$971,376$0$7,184,790
91$24,938,295$933,894$0$7,830,692
92$27,394,241$891,894$0$8,541,404
93$30,097,929$845,073$0$9,323,582
94$33,074,542$793,105$0$10,184,570
95$36,351,828$735,650$0$11,132,466
96$39,960,363$672,345$0$12,176,200
97$43,933,839$602,809$0$13,325,619
98$48,309,381$526,638$0$14,591,583
99$53,127,899$443,404$0$15,986,065
100$58,434,471$352,657$0$17,522,270