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%16.8%
1 years$68,045$67,439$66,848$66,271$65,707$63,885
2 years$33,686$33,058$32,450$31,861$31,289$29,467
3 years$22,234$21,604$20,998$20,414$19,851$18,086
4 years$16,509$15,881$15,281$14,707$14,158$12,464
5 years$13,075$12,451$11,859$11,296$10,763$9,144
6 years$10,787$10,167$9,583$9,034$8,516$6,974
7 years$9,153$8,538$7,964$7,427$6,926$5,461
8 years$7,928$7,319$6,754$6,230$5,746$4,356
9 years$6,976$6,373$5,817$5,307$4,839$3,524
10 years$6,214$5,617$5,072$4,575$4,123$2,881
11 years$5,592$5,001$4,465$3,981$3,546$2,375
12 years$5,073$4,488$3,963$3,492$3,073$1,971
13 years$4,635$4,056$3,540$3,083$2,679$1,644
14 years$4,260$3,687$3,181$2,737$2,349$1,377
15 years$3,935$3,368$2,872$2,441$2,068$1,158
16 years$3,651$3,090$2,604$2,185$1,828$976
17 years$3,400$2,846$2,369$1,964$1,621$825
18 years$3,178$2,630$2,163$1,770$1,441$698
19 years$2,979$2,437$1,980$1,599$1,284$592
20 years$2,801$2,265$1,817$1,448$1,147$503
21 years$2,639$2,110$1,671$1,314$1,027$428
22 years$2,493$1,969$1,541$1,195$920$364
23 years$2,359$1,842$1,422$1,088$826$310
24 years$2,237$1,726$1,315$993$742$265
25 years$2,124$1,619$1,218$906$668$226
26 years$2,021$1,522$1,130$829$602$193
27 years$1,925$1,432$1,049$759$543$165
28 years$1,837$1,350$975$695$490$141
29 years$1,754$1,273$908$637$442$120
30 years$1,677$1,202$846$585$399$103
31 years$1,606$1,137$788$537$361$88
32 years$1,539$1,076$735$494$327$75
33 years$1,476$1,019$687$454$296$64
34 years$1,417$965$642$418$268$55
35 years$1,361$916$600$385$242$47
36 years$1,309$869$561$354$220$40
37 years$1,259$825$525$326$199$34
38 years$1,213$784$492$301$180$29
39 years$1,168$746$461$277$164$25
40 years$1,127$710$432$256$148$22
41 years$1,087$676$405$236$135$18
42 years$1,049$643$380$218$122$16
43 years$1,013$613$357$201$111$14
44 years$979$584$335$186$101$12
45 years$946$557$314$171$91$10
46 years$915$532$295$158$83$8
47 years$886$507$277$146$75$7
48 years$857$484$261$135$68$6
49 years$830$462$245$125$62$5
50 years$805$442$230$116$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $824,000, adding $2,787 every year, while hoping to spend $30,473 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: 60/18/22 Blend
51$824,000$824,000$824,000$824,000
52$910,923$867,251$854,479$960,117
53$971,414$877,323$850,681$1,003,884
54$1,037,054$886,868$845,734$1,048,041
55$1,108,335$895,826$839,568$1,095,544
56$1,185,801$904,137$832,109$1,146,721
57$1,270,047$911,734$823,280$1,201,939
58$1,361,730$918,548$812,998$1,261,598
59$1,461,573$924,502$801,179$1,326,143
60$1,570,368$929,518$787,734$1,396,064
61$1,688,993$933,511$772,570$1,471,902
62$1,818,407$936,391$755,588$1,554,255
63$1,959,672$938,061$736,688$1,643,782
64$2,113,954$938,421$715,762$1,741,211
65$2,282,535$937,362$692,698$1,847,344
66$2,466,830$934,769$667,379$1,963,068
67$2,668,394$930,520$639,684$2,089,362
68$2,888,942$924,487$609,485$2,227,304
69$3,130,359$916,532$576,648$2,378,087
70$3,394,723$906,509$541,033$2,543,024
71$3,684,321$894,265$502,494$2,723,566
72$4,001,674$879,636$460,880$2,921,313
73$4,349,556$862,449$416,030$3,138,033
74$4,731,023$842,521$367,779$3,375,672
75$5,149,440$819,658$315,953$3,636,380
76$5,608,515$793,653$260,370$3,922,529
77$6,112,331$764,290$200,840$4,236,734
78$6,665,387$731,339$137,166$4,581,881
79$7,272,637$694,555$69,142$4,961,154
80$7,939,539$653,681$0$5,378,064
81$8,672,106$608,444$0$5,837,294
82$9,476,960$558,558$0$6,359,679
83$10,361,399$503,716$0$6,933,738
84$11,333,460$443,597$0$7,564,726
85$12,402,001$377,861$0$8,258,432
86$13,576,778$306,149$0$9,021,240
87$14,868,540$228,081$0$9,860,186
88$16,289,130$143,256$0$10,783,024
89$17,851,596$51,250$0$11,798,300
90$19,570,314$0$0$12,915,436
91$21,461,124$0$0$14,154,398
92$23,541,477$0$0$15,528,804
93$25,830,604$0$0$17,041,214
94$28,349,689$0$0$18,705,637
95$31,122,080$0$0$20,537,507
96$34,173,496$0$0$22,553,831
97$37,532,281$0$0$24,773,347
98$41,229,665$0$0$27,216,703
99$45,300,059$0$0$29,906,650
100$49,781,379$0$0$32,868,257