Can I retire at age 52 with 823,000?

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 $823,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.6%
1 years$67,963$67,357$66,767$66,190$65,627$65,186
2 years$33,645$33,018$32,411$31,822$31,251$30,806
3 years$22,207$21,578$20,972$20,389$19,827$19,392
4 years$16,489$15,862$15,262$14,689$14,141$13,719
5 years$13,060$12,436$11,844$11,283$10,750$10,343
6 years$10,774$10,155$9,572$9,023$8,506$8,114
7 years$9,142$8,528$7,954$7,418$6,917$6,541
8 years$7,918$7,310$6,746$6,223$5,739$5,378
9 years$6,967$6,365$5,810$5,300$4,833$4,487
10 years$6,207$5,610$5,065$4,569$4,118$3,787
11 years$5,585$4,994$4,460$3,976$3,541$3,226
12 years$5,067$4,483$3,958$3,488$3,069$2,768
13 years$4,629$4,051$3,536$3,079$2,676$2,389
14 years$4,255$3,682$3,177$2,733$2,346$2,073
15 years$3,930$3,364$2,868$2,438$2,066$1,806
16 years$3,646$3,086$2,601$2,183$1,826$1,579
17 years$3,396$2,842$2,367$1,961$1,619$1,385
18 years$3,174$2,626$2,160$1,767$1,439$1,218
19 years$2,976$2,434$1,978$1,597$1,283$1,073
20 years$2,797$2,262$1,815$1,446$1,146$948
21 years$2,636$2,107$1,669$1,313$1,025$838
22 years$2,490$1,967$1,539$1,194$919$742
23 years$2,356$1,839$1,421$1,087$825$659
24 years$2,234$1,723$1,314$991$742$585
25 years$2,122$1,617$1,217$905$667$520
26 years$2,018$1,520$1,129$828$601$463
27 years$1,923$1,431$1,048$758$542$412
28 years$1,834$1,348$974$694$489$367
29 years$1,752$1,272$907$637$442$327
30 years$1,675$1,201$845$584$399$292
31 years$1,604$1,135$787$537$361$260
32 years$1,537$1,074$735$493$326$233
33 years$1,474$1,017$686$454$295$208
34 years$1,415$964$641$417$267$186
35 years$1,359$915$599$384$242$166
36 years$1,307$868$560$354$219$148
37 years$1,258$824$525$326$199$133
38 years$1,211$783$491$300$180$119
39 years$1,167$745$460$277$163$106
40 years$1,125$709$431$256$148$95
41 years$1,085$675$405$236$135$85
42 years$1,048$643$379$218$122$76
43 years$1,012$612$356$201$111$68
44 years$978$584$334$185$101$61
45 years$945$557$314$171$91$55
46 years$914$531$295$158$83$49
47 years$885$507$277$146$75$44
48 years$856$484$260$135$68$39
49 years$829$462$245$125$62$35
50 years$804$441$230$115$56$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $823,000, adding $5,795 every year, while hoping to spend $20,914 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: 88/7/5 Blend
51$823,000$823,000$823,000$823,000
52$912,924$869,305$856,548$992,845
53$983,789$889,648$862,990$1,066,072
54$1,061,183$910,288$868,947$1,143,015
55$1,145,747$931,215$874,380$1,226,908
56$1,238,191$952,423$879,250$1,318,437
57$1,339,295$973,900$883,513$1,418,354
58$1,449,918$995,636$887,126$1,527,490
59$1,571,006$1,017,619$890,041$1,646,759
60$1,703,601$1,039,835$892,210$1,777,167
61$1,848,850$1,062,268$893,580$1,919,824
62$2,008,016$1,084,902$894,098$2,075,951
63$2,182,490$1,107,718$893,707$2,246,892
64$2,373,804$1,130,697$892,347$2,434,129
65$2,583,647$1,153,816$889,955$2,639,293
66$2,813,876$1,177,050$886,466$2,864,183
67$3,066,540$1,200,375$881,811$3,110,778
68$3,343,894$1,223,759$875,918$3,381,260
69$3,648,421$1,247,174$868,712$3,678,031
70$3,982,859$1,270,584$860,113$4,003,740
71$4,350,222$1,293,955$850,038$4,361,302
72$4,753,832$1,317,245$838,401$4,753,931
73$5,197,345$1,340,413$825,110$5,185,167
74$5,684,794$1,363,412$810,071$5,658,911
75$6,220,618$1,386,195$793,183$6,179,459
76$6,809,709$1,408,706$774,343$6,751,547
77$7,457,458$1,430,891$753,442$7,380,392
78$8,169,801$1,452,687$730,364$8,071,742
79$8,953,281$1,474,029$704,992$8,831,930
80$9,815,105$1,494,847$677,199$9,667,935
81$10,763,217$1,515,065$646,856$10,587,446
82$11,806,366$1,534,604$613,826$11,598,936
83$12,954,193$1,553,377$577,967$12,711,741
84$14,217,320$1,571,292$539,129$13,936,149
85$15,607,454$1,588,252$497,157$15,283,496
86$17,137,490$1,604,153$451,887$16,766,271
87$18,821,639$1,618,881$403,151$18,398,240
88$20,675,560$1,632,320$350,770$20,194,568
89$22,716,504$1,644,341$294,558$22,171,970
90$24,963,485$1,654,811$234,323$24,348,861
91$27,437,449$1,663,585$169,861$26,745,535
92$30,161,480$1,670,512$100,962$29,384,355
93$33,161,012$1,675,428$27,406$32,289,964
94$36,464,073$1,678,162$0$35,489,518
95$40,101,546$1,678,529$0$39,015,665
96$44,107,463$1,676,337$0$42,900,394
97$48,519,323$1,671,376$0$47,178,590
98$53,378,450$1,663,429$0$51,890,312
99$58,730,377$1,652,263$0$57,079,699
100$64,625,282$1,637,630$0$62,795,393