Can I retire at age 52 with 821,000?

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 $821,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14%
1 years$67,797$67,194$66,604$66,029$65,468$64,383
2 years$33,563$32,938$32,332$31,745$31,175$30,086
3 years$22,153$21,525$20,921$20,339$19,779$18,718
4 years$16,449$15,823$15,225$14,653$14,106$13,083
5 years$13,028$12,406$11,815$11,255$10,723$9,740
6 years$10,748$10,130$9,549$9,001$8,485$7,543
7 years$9,120$8,507$7,935$7,400$6,901$6,000
8 years$7,899$7,292$6,729$6,208$5,725$4,865
9 years$6,950$6,349$5,796$5,288$4,821$4,003
10 years$6,192$5,597$5,053$4,558$4,108$3,329
11 years$5,571$4,982$4,449$3,967$3,533$2,794
12 years$5,055$4,472$3,948$3,479$3,061$2,361
13 years$4,618$4,041$3,527$3,072$2,670$2,006
14 years$4,244$3,673$3,169$2,727$2,340$1,713
15 years$3,920$3,356$2,862$2,432$2,061$1,469
16 years$3,637$3,079$2,594$2,177$1,821$1,263
17 years$3,388$2,835$2,361$1,956$1,615$1,089
18 years$3,166$2,620$2,155$1,763$1,436$941
19 years$2,968$2,428$1,973$1,593$1,280$815
20 years$2,790$2,256$1,811$1,443$1,143$707
21 years$2,630$2,102$1,665$1,310$1,023$615
22 years$2,484$1,962$1,535$1,191$917$535
23 years$2,350$1,835$1,417$1,084$823$466
24 years$2,229$1,719$1,311$989$740$406
25 years$2,117$1,613$1,214$903$666$354
26 years$2,014$1,516$1,126$826$600$309
27 years$1,918$1,427$1,045$756$541$270
28 years$1,830$1,345$972$693$488$236
29 years$1,748$1,269$904$635$440$206
30 years$1,671$1,198$842$583$398$180
31 years$1,600$1,133$785$535$360$158
32 years$1,533$1,072$733$492$325$138
33 years$1,470$1,015$684$452$295$121
34 years$1,411$962$639$416$267$106
35 years$1,356$912$598$383$242$93
36 years$1,304$866$559$353$219$81
37 years$1,255$822$523$325$198$71
38 years$1,208$782$490$300$180$62
39 years$1,164$743$459$276$163$55
40 years$1,122$707$430$255$148$48
41 years$1,083$673$404$235$134$42
42 years$1,045$641$379$217$122$37
43 years$1,009$611$355$200$111$32
44 years$975$582$333$185$100$28
45 years$943$555$313$171$91$25
46 years$912$530$294$158$83$22
47 years$883$505$276$146$75$19
48 years$854$482$260$135$68$17
49 years$827$461$244$125$62$15
50 years$802$440$229$115$56$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $821,000, adding $3,679 every year, while hoping to spend $57,732 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: 44/41/15 Blend
51$821,000$821,000$821,000$821,000
52$908,537$865,024$852,298$944,431
53$939,781$845,984$819,424$950,861
54$972,278$824,076$783,513$951,764
55$1,006,093$799,098$744,404$951,494
56$1,041,298$770,838$701,925$949,969
57$1,077,971$739,069$655,900$947,101
58$1,116,194$703,554$606,143$942,800
59$1,156,056$664,038$552,459$936,969
60$1,197,654$620,256$494,646$929,509
61$1,241,090$571,924$432,493$920,316
62$1,286,477$518,744$365,777$909,282
63$1,333,936$460,401$294,268$896,294
64$1,383,597$396,560$217,726$881,235
65$1,435,601$326,869$135,898$863,983
66$1,490,103$250,956$48,521$844,411
67$1,547,268$168,427$0$822,389
68$1,607,277$78,868$0$804,940
69$1,670,326$0$0$793,518
70$1,736,628$0$0$788,447
71$1,806,414$0$0$820,596
72$1,879,937$0$0$854,504
73$1,957,471$0$0$890,302
74$2,039,316$0$0$928,134
75$2,125,798$0$0$968,155
76$2,217,273$0$0$1,010,537
77$2,314,129$0$0$1,055,467
78$2,416,792$0$0$1,103,148
79$2,525,725$0$0$1,153,803
80$2,641,435$0$0$1,207,676
81$2,764,477$0$0$1,265,034
82$2,895,459$0$0$1,326,169
83$3,035,044$0$0$1,391,401
84$3,183,961$0$0$1,461,081
85$3,343,007$0$0$1,535,592
86$3,513,055$0$0$1,615,356
87$3,695,064$0$0$1,700,835
88$3,890,083$0$0$1,792,535
89$4,099,265$0$0$1,891,012
90$4,323,874$0$0$1,996,876
91$4,565,298$0$0$2,110,798
92$4,825,059$0$0$2,233,511
93$5,104,829$0$0$2,365,826
94$5,406,446$0$0$2,508,628
95$5,731,928$0$0$2,662,892
96$6,083,490$0$0$2,829,691
97$6,463,569$0$0$3,010,201
98$6,874,842$0$0$3,205,718
99$7,320,253$0$0$3,417,665
100$7,803,037$0$0$3,647,606