Can I retire at age 52 with 820,000?

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 $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%11.3%
1 years$67,715$67,112$66,523$65,949$65,388$65,030
2 years$33,522$32,898$32,293$31,706$31,137$30,776
3 years$22,126$21,499$20,896$20,314$19,755$19,402
4 years$16,429$15,804$15,207$14,635$14,089$13,747
5 years$13,012$12,391$11,801$11,241$10,710$10,380
6 years$10,735$10,118$9,537$8,990$8,475$8,156
7 years$9,108$8,497$7,925$7,391$6,892$6,586
8 years$7,889$7,283$6,721$6,200$5,718$5,424
9 years$6,942$6,342$5,789$5,281$4,815$4,533
10 years$6,184$5,590$5,047$4,552$4,103$3,833
11 years$5,565$4,976$4,443$3,962$3,529$3,271
12 years$5,049$4,466$3,943$3,475$3,058$2,812
13 years$4,613$4,036$3,523$3,068$2,666$2,432
14 years$4,239$3,669$3,165$2,723$2,337$2,114
15 years$3,916$3,352$2,858$2,429$2,058$1,845
16 years$3,633$3,075$2,591$2,175$1,819$1,617
17 years$3,384$2,832$2,358$1,954$1,613$1,421
18 years$3,162$2,617$2,152$1,761$1,434$1,252
19 years$2,965$2,425$1,970$1,591$1,278$1,106
20 years$2,787$2,254$1,808$1,441$1,142$979
21 years$2,626$2,099$1,663$1,308$1,022$867
22 years$2,480$1,960$1,533$1,189$916$770
23 years$2,348$1,833$1,416$1,083$822$685
24 years$2,226$1,717$1,309$988$739$609
25 years$2,114$1,611$1,212$902$665$543
26 years$2,011$1,515$1,125$825$599$484
27 years$1,916$1,425$1,044$755$540$432
28 years$1,828$1,343$971$692$487$386
29 years$1,746$1,267$903$634$440$345
30 years$1,669$1,197$841$582$398$308
31 years$1,598$1,131$784$535$359$276
32 years$1,531$1,070$732$491$325$247
33 years$1,468$1,014$683$452$294$221
34 years$1,410$961$639$416$266$198
35 years$1,354$911$597$383$241$178
36 years$1,302$865$558$352$219$159
37 years$1,253$821$523$325$198$143
38 years$1,207$781$489$299$180$128
39 years$1,163$742$459$276$163$115
40 years$1,121$706$430$255$148$103
41 years$1,082$672$403$235$134$92
42 years$1,044$640$378$217$122$83
43 years$1,008$610$355$200$110$74
44 years$974$581$333$185$100$67
45 years$942$555$313$171$91$60
46 years$911$529$294$158$83$54
47 years$882$505$276$146$75$48
48 years$853$482$259$135$68$43
49 years$826$460$244$124$62$39
50 years$801$440$229$115$56$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $820,000, adding $6,967 every year, while hoping to spend $22,715 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: 68/17/15 Blend
51$820,000$820,000$820,000$820,000
52$910,826$867,366$854,656$969,113
53$979,562$885,699$859,119$1,027,175
54$1,054,548$904,168$862,969$1,087,320
55$1,136,396$922,757$866,164$1,152,529
56$1,225,784$941,447$868,655$1,223,299
57$1,323,453$960,217$870,394$1,300,174
58$1,430,222$979,045$871,330$1,383,757
59$1,546,993$997,907$871,408$1,474,710
60$1,674,758$1,016,776$870,571$1,573,762
61$1,814,609$1,035,623$868,761$1,681,720
62$1,967,748$1,054,418$865,914$1,799,468
63$2,135,502$1,073,128$861,965$1,927,983
64$2,319,329$1,091,717$856,846$2,068,342
65$2,520,834$1,110,145$850,485$2,221,732
66$2,741,789$1,128,372$842,806$2,389,458
67$2,984,142$1,146,353$833,731$2,572,961
68$3,250,040$1,164,039$823,176$2,773,829
69$3,541,847$1,181,380$811,055$2,993,811
70$3,862,168$1,198,320$797,278$3,234,835
71$4,213,871$1,214,800$781,749$3,499,026
72$4,600,118$1,230,758$764,370$3,788,726
73$5,024,390$1,246,124$745,036$4,106,515
74$5,490,522$1,260,829$723,639$4,455,237
75$6,002,739$1,274,793$700,065$4,838,029
76$6,565,696$1,287,936$674,194$5,258,344
77$7,184,521$1,300,168$645,904$5,719,991
78$7,864,864$1,311,398$615,063$6,227,167
79$8,612,948$1,321,525$581,536$6,784,496
80$9,435,632$1,330,443$545,181$7,397,078
81$10,340,471$1,338,039$505,849$8,070,531
82$11,335,789$1,344,193$463,385$8,811,047
83$12,430,758$1,348,777$417,627$9,625,452
84$13,635,484$1,351,655$368,406$10,521,267
85$14,961,100$1,352,684$315,544$11,506,785
86$16,419,876$1,351,708$258,858$12,591,141
87$18,025,328$1,348,567$198,155$13,784,407
88$19,792,350$1,343,086$133,232$15,097,682
89$21,737,355$1,335,082$63,881$16,543,199
90$23,878,426$1,324,361$0$18,134,440
91$26,235,487$1,310,717$0$19,887,885
92$28,830,494$1,293,929$0$21,829,307
93$31,687,640$1,273,768$0$23,966,558
94$34,833,583$1,249,986$0$26,319,571
95$38,297,697$1,222,323$0$28,910,310
96$42,112,349$1,190,505$0$31,762,981
97$46,313,207$1,154,238$0$34,904,260
98$50,939,573$1,113,215$0$38,363,542
99$56,034,755$1,067,107$0$42,173,222
100$61,646,474$1,015,569$0$46,369,000