Can I retire at age 52 with 822,000?

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 $822,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$67,880$67,275$66,685$66,110$65,547$64,382
2 years$33,604$32,978$32,372$31,783$31,213$30,043
3 years$22,180$21,552$20,947$20,364$19,803$18,664
4 years$16,469$15,843$15,244$14,671$14,124$13,026
5 years$13,044$12,421$11,830$11,269$10,737$9,682
6 years$10,761$10,143$9,560$9,012$8,495$7,486
7 years$9,131$8,518$7,945$7,409$6,909$5,945
8 years$7,909$7,301$6,738$6,215$5,732$4,812
9 years$6,959$6,357$5,803$5,294$4,827$3,952
10 years$6,199$5,603$5,059$4,564$4,113$3,281
11 years$5,578$4,988$4,454$3,972$3,537$2,748
12 years$5,061$4,477$3,953$3,484$3,065$2,318
13 years$4,624$4,046$3,532$3,076$2,673$1,966
14 years$4,249$3,678$3,173$2,730$2,343$1,675
15 years$3,925$3,360$2,865$2,435$2,063$1,433
16 years$3,642$3,083$2,598$2,180$1,823$1,230
17 years$3,392$2,839$2,364$1,959$1,617$1,058
18 years$3,170$2,623$2,158$1,765$1,437$913
19 years$2,972$2,431$1,975$1,595$1,281$789
20 years$2,794$2,259$1,813$1,445$1,144$683
21 years$2,633$2,104$1,667$1,311$1,024$592
22 years$2,487$1,964$1,537$1,192$918$514
23 years$2,353$1,837$1,419$1,086$824$446
24 years$2,231$1,721$1,312$990$741$388
25 years$2,119$1,615$1,215$904$666$338
26 years$2,016$1,518$1,127$827$600$294
27 years$1,921$1,429$1,047$757$541$256
28 years$1,832$1,346$973$693$488$223
29 years$1,750$1,270$906$636$441$195
30 years$1,673$1,200$843$584$398$170
31 years$1,602$1,134$786$536$360$148
32 years$1,535$1,073$734$493$326$130
33 years$1,472$1,016$685$453$295$113
34 years$1,413$963$640$417$267$99
35 years$1,358$913$598$384$242$86
36 years$1,306$867$560$353$219$76
37 years$1,256$823$524$326$199$66
38 years$1,210$783$491$300$180$58
39 years$1,166$744$460$277$163$50
40 years$1,124$708$431$255$148$44
41 years$1,084$674$404$235$134$39
42 years$1,047$642$379$217$122$34
43 years$1,011$612$356$201$111$29
44 years$977$583$334$185$100$26
45 years$944$556$313$171$91$23
46 years$913$530$294$158$83$20
47 years$884$506$277$146$75$17
48 years$855$483$260$135$68$15
49 years$828$461$244$125$62$13
50 years$803$441$230$115$56$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $822,000, adding $5,213 every year, while hoping to spend $35,708 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: 80/13/7 Blend
51$822,000$822,000$822,000$822,000
52$911,221$867,655$854,914$983,018
53$966,173$872,177$845,561$1,035,320
54$1,025,533$875,724$834,697$1,087,458
55$1,089,713$878,210$822,235$1,143,588
56$1,159,166$879,545$808,083$1,204,091
57$1,234,389$879,632$792,142$1,269,385
58$1,315,931$878,368$774,313$1,339,932
59$1,404,393$875,644$754,489$1,416,241
60$1,500,435$871,345$732,559$1,498,870
61$1,604,788$865,349$708,408$1,588,436
62$1,718,250$857,526$681,914$1,685,620
63$1,841,704$847,737$652,950$1,791,169
64$1,976,118$835,836$621,384$1,905,909
65$2,122,559$821,668$587,077$2,030,749
66$2,282,200$805,071$549,884$2,166,692
67$2,456,334$785,868$509,655$2,314,841
68$2,646,382$763,878$466,230$2,476,413
69$2,853,909$738,904$419,445$2,652,751
70$3,080,638$710,740$369,127$2,845,332
71$3,328,466$679,169$315,095$3,055,786
72$3,599,480$643,960$257,162$3,285,909
73$3,895,981$604,868$195,131$3,537,680
74$4,220,500$561,635$128,796$3,813,282
75$4,575,824$513,988$57,944$4,115,119
76$4,965,023$461,639$0$4,445,843
77$5,391,478$404,282$0$4,809,696
78$5,858,912$341,595$0$5,213,283
79$6,371,427$273,238$0$5,655,840
80$6,933,537$198,852$0$6,141,301
81$7,550,217$118,055$0$6,673,997
82$8,226,947$30,447$0$7,258,706
83$8,969,761$0$0$7,900,691
84$9,785,308$0$0$8,614,962
85$10,680,910$0$0$9,404,154
86$11,664,635$0$0$10,271,024
87$12,745,370$0$0$11,223,406
88$13,932,904$0$0$12,269,929
89$15,238,023$0$0$13,420,103
90$16,672,610$0$0$14,684,401
91$18,249,753$0$0$16,074,365
92$19,983,877$0$0$17,602,707
93$21,890,869$0$0$19,283,437
94$23,988,237$0$0$21,131,986
95$26,295,268$0$0$23,165,359
96$28,833,213$0$0$25,402,290
97$31,625,487$0$0$27,863,422
98$34,697,889$0$0$30,571,497
99$38,078,844$0$0$33,551,574
100$41,799,672$0$0$36,831,266