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%13%
1 years$67,963$67,357$66,767$66,190$65,627$64,807
2 years$33,645$33,018$32,411$31,822$31,251$30,426
3 years$22,207$21,578$20,972$20,389$19,827$19,022
4 years$16,489$15,862$15,262$14,689$14,141$13,363
5 years$13,060$12,436$11,844$11,283$10,750$10,001
6 years$10,774$10,155$9,572$9,023$8,506$7,787
7 years$9,142$8,528$7,954$7,418$6,917$6,229
8 years$7,918$7,310$6,746$6,223$5,739$5,080
9 years$6,967$6,365$5,810$5,300$4,833$4,204
10 years$6,207$5,610$5,065$4,569$4,118$3,518
11 years$5,585$4,994$4,460$3,976$3,541$2,971
12 years$5,067$4,483$3,958$3,488$3,069$2,527
13 years$4,629$4,051$3,536$3,079$2,676$2,161
14 years$4,255$3,682$3,177$2,733$2,346$1,858
15 years$3,930$3,364$2,868$2,438$2,066$1,603
16 years$3,646$3,086$2,601$2,183$1,826$1,389
17 years$3,396$2,842$2,367$1,961$1,619$1,206
18 years$3,174$2,626$2,160$1,767$1,439$1,050
19 years$2,976$2,434$1,978$1,597$1,283$916
20 years$2,797$2,262$1,815$1,446$1,146$801
21 years$2,636$2,107$1,669$1,313$1,025$701
22 years$2,490$1,967$1,539$1,194$919$614
23 years$2,356$1,839$1,421$1,087$825$539
24 years$2,234$1,723$1,314$991$742$474
25 years$2,122$1,617$1,217$905$667$416
26 years$2,018$1,520$1,129$828$601$366
27 years$1,923$1,431$1,048$758$542$323
28 years$1,834$1,348$974$694$489$284
29 years$1,752$1,272$907$637$442$251
30 years$1,675$1,201$845$584$399$221
31 years$1,604$1,135$787$537$361$195
32 years$1,537$1,074$735$493$326$172
33 years$1,474$1,017$686$454$295$152
34 years$1,415$964$641$417$267$134
35 years$1,359$915$599$384$242$119
36 years$1,307$868$560$354$219$105
37 years$1,258$824$525$326$199$93
38 years$1,211$783$491$300$180$82
39 years$1,167$745$460$277$163$72
40 years$1,125$709$431$256$148$64
41 years$1,085$675$405$236$135$57
42 years$1,048$643$379$218$122$50
43 years$1,012$612$356$201$111$44
44 years$978$584$334$185$101$39
45 years$945$557$314$171$91$35
46 years$914$531$295$158$83$31
47 years$885$507$277$146$75$27
48 years$856$484$260$135$68$24
49 years$829$462$245$125$62$21
50 years$804$441$230$115$56$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $823,000, adding $2,562 every year, while hoping to spend $35,338 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: 47/47/6 Blend
51$823,000$823,000$823,000$823,000
52$909,589$865,970$853,213$950,776
53$964,767$870,803$844,196$984,116
54$1,024,390$874,688$833,693$1,016,348
55$1,088,872$877,543$821,617$1,050,493
56$1,158,672$879,277$807,875$1,086,740
57$1,234,291$879,796$792,374$1,125,296
58$1,316,282$879,000$775,012$1,166,391
59$1,405,254$876,781$755,685$1,210,282
60$1,501,873$873,028$734,285$1,257,251
61$1,606,877$867,618$710,696$1,307,615
62$1,721,073$860,426$684,799$1,361,720
63$1,845,351$851,316$656,469$1,419,955
64$1,980,691$840,144$625,574$1,482,747
65$2,128,170$826,759$591,979$1,550,571
66$2,288,972$811,000$555,540$1,623,953
67$2,464,405$792,696$516,107$1,703,477
68$2,655,903$771,667$473,525$1,789,786
69$2,865,047$747,721$427,631$1,883,596
70$3,093,580$720,657$378,254$1,985,699
71$3,343,415$690,260$325,216$2,096,970
72$3,616,665$656,304$268,332$2,218,379
73$3,915,650$618,549$207,407$2,350,999
74$4,242,930$576,741$142,239$2,496,017
75$4,601,321$530,613$72,616$2,654,748
76$4,993,924$479,882$0$2,828,645
77$5,424,156$424,248$0$3,019,423
78$5,895,779$363,394$0$3,233,719
79$6,412,935$296,987$0$3,468,863
80$6,980,188$224,674$0$3,727,042
81$7,602,565$146,080$0$4,010,678
82$8,285,602$60,814$0$4,322,442
83$9,035,397$0$0$4,665,288
84$9,858,669$0$0$5,058,793
85$10,762,816$0$0$5,525,594
86$11,755,991$0$0$6,038,459
87$12,847,174$0$0$6,602,038
88$14,046,258$0$0$7,221,452
89$15,364,142$0$0$7,902,346
90$16,812,832$0$0$8,650,938
91$18,405,558$0$0$9,474,075
92$20,156,893$0$0$10,379,306
93$22,082,895$0$0$11,374,946
94$24,201,253$0$0$12,470,154
95$26,531,460$0$0$13,675,025
96$29,094,990$0$0$15,000,680
97$31,915,507$0$0$16,459,372
98$35,019,080$0$0$18,064,602
99$38,434,436$0$0$19,831,246
100$42,193,225$0$0$21,775,695