Can I retire at age 52 with 824,000?

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 $824,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18%
1 years$68,045$67,439$66,848$66,271$65,707$63,578
2 years$33,686$33,058$32,450$31,861$31,289$29,164
3 years$22,234$21,604$20,998$20,414$19,851$17,797
4 years$16,509$15,881$15,281$14,707$14,158$12,190
5 years$13,075$12,451$11,859$11,296$10,763$8,887
6 years$10,787$10,167$9,583$9,034$8,516$6,734
7 years$9,153$8,538$7,964$7,427$6,926$5,236
8 years$7,928$7,319$6,754$6,230$5,746$4,148
9 years$6,976$6,373$5,817$5,307$4,839$3,331
10 years$6,214$5,617$5,072$4,575$4,123$2,703
11 years$5,592$5,001$4,465$3,981$3,546$2,211
12 years$5,073$4,488$3,963$3,492$3,073$1,820
13 years$4,635$4,056$3,540$3,083$2,679$1,506
14 years$4,260$3,687$3,181$2,737$2,349$1,251
15 years$3,935$3,368$2,872$2,441$2,068$1,043
16 years$3,651$3,090$2,604$2,185$1,828$872
17 years$3,400$2,846$2,369$1,964$1,621$730
18 years$3,178$2,630$2,163$1,770$1,441$613
19 years$2,979$2,437$1,980$1,599$1,284$515
20 years$2,801$2,265$1,817$1,448$1,147$434
21 years$2,639$2,110$1,671$1,314$1,027$365
22 years$2,493$1,969$1,541$1,195$920$308
23 years$2,359$1,842$1,422$1,088$826$260
24 years$2,237$1,726$1,315$993$742$220
25 years$2,124$1,619$1,218$906$668$186
26 years$2,021$1,522$1,130$829$602$157
27 years$1,925$1,432$1,049$759$543$133
28 years$1,837$1,350$975$695$490$112
29 years$1,754$1,273$908$637$442$95
30 years$1,677$1,202$846$585$399$80
31 years$1,606$1,137$788$537$361$68
32 years$1,539$1,076$735$494$327$58
33 years$1,476$1,019$687$454$296$49
34 years$1,417$965$642$418$268$41
35 years$1,361$916$600$385$242$35
36 years$1,309$869$561$354$220$30
37 years$1,259$825$525$326$199$25
38 years$1,213$784$492$301$180$21
39 years$1,168$746$461$277$164$18
40 years$1,127$710$432$256$148$15
41 years$1,087$676$405$236$135$13
42 years$1,049$643$380$218$122$11
43 years$1,013$613$357$201$111$9
44 years$979$584$335$186$101$8
45 years$946$557$314$171$91$7
46 years$915$532$295$158$83$6
47 years$886$507$277$146$75$5
48 years$857$484$261$135$68$4
49 years$830$462$245$125$62$3
50 years$805$442$230$116$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $824,000, adding $6,869 every year, while hoping to spend $59,291 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: 72/23/5 Blend
51$824,000$824,000$824,000$824,000
52$915,133$871,461$858,689$980,122
53$945,392$851,078$824,370$1,003,500
54$976,749$827,708$786,914$1,020,978
55$1,009,256$801,144$746,154$1,038,432
56$1,042,963$771,163$701,914$1,055,840
57$1,077,928$737,533$654,010$1,073,181
58$1,114,210$700,005$602,253$1,090,434
59$1,151,872$658,318$546,440$1,107,575
60$1,190,981$612,194$486,365$1,124,580
61$1,231,611$561,341$421,808$1,141,426
62$1,273,839$505,450$352,542$1,158,086
63$1,317,746$444,193$278,328$1,174,537
64$1,363,423$377,225$198,918$1,190,751
65$1,410,963$304,180$114,053$1,206,704
66$1,460,469$224,673$23,462$1,222,369
67$1,512,051$138,296$0$1,237,721
68$1,565,826$44,619$0$1,256,641
69$1,621,923$0$0$1,276,788
70$1,680,477$0$0$1,311,280
71$1,741,637$0$0$1,359,111
72$1,805,562$0$0$1,409,115
73$1,872,426$0$0$1,461,427
74$1,942,414$0$0$1,516,196
75$2,015,730$0$0$1,573,580
76$2,092,593$0$0$1,633,754
77$2,173,241$0$0$1,696,905
78$2,257,931$0$0$1,763,238
79$2,346,945$0$0$1,832,974
80$2,440,587$0$0$1,906,354
81$2,539,190$0$0$1,983,641
82$2,643,115$0$0$2,065,121
83$2,752,755$0$0$2,151,105
84$2,868,540$0$0$2,241,933
85$2,990,938$0$0$2,337,974
86$3,120,459$0$0$2,439,634
87$3,257,661$0$0$2,547,354
88$3,403,154$0$0$2,661,615
89$3,557,603$0$0$2,782,946
90$3,721,737$0$0$2,911,923
91$3,896,352$0$0$3,049,177
92$4,082,321$0$0$3,195,398
93$4,280,597$0$0$3,351,342
94$4,492,227$0$0$3,517,838
95$4,718,355$0$0$3,695,794
96$4,960,238$0$0$3,886,203
97$5,219,253$0$0$4,090,158
98$5,496,909$0$0$4,308,855
99$5,794,862$0$0$4,543,606
100$6,114,931$0$0$4,795,851