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%15.1%
1 years$68,045$67,439$66,848$66,271$65,707$64,328
2 years$33,686$33,058$32,450$31,861$31,289$29,906
3 years$22,234$21,604$20,998$20,414$19,851$18,507
4 years$16,509$15,881$15,281$14,707$14,158$12,864
5 years$13,075$12,451$11,859$11,296$10,763$9,522
6 years$10,787$10,167$9,583$9,034$8,516$7,330
7 years$9,153$8,538$7,964$7,427$6,926$5,795
8 years$7,928$7,319$6,754$6,230$5,746$4,669
9 years$6,976$6,373$5,817$5,307$4,839$3,816
10 years$6,214$5,617$5,072$4,575$4,123$3,153
11 years$5,592$5,001$4,465$3,981$3,546$2,627
12 years$5,073$4,488$3,963$3,492$3,073$2,204
13 years$4,635$4,056$3,540$3,083$2,679$1,860
14 years$4,260$3,687$3,181$2,737$2,349$1,576
15 years$3,935$3,368$2,872$2,441$2,068$1,341
16 years$3,651$3,090$2,604$2,185$1,828$1,144
17 years$3,400$2,846$2,369$1,964$1,621$979
18 years$3,178$2,630$2,163$1,770$1,441$839
19 years$2,979$2,437$1,980$1,599$1,284$721
20 years$2,801$2,265$1,817$1,448$1,147$621
21 years$2,639$2,110$1,671$1,314$1,027$535
22 years$2,493$1,969$1,541$1,195$920$461
23 years$2,359$1,842$1,422$1,088$826$398
24 years$2,237$1,726$1,315$993$742$344
25 years$2,124$1,619$1,218$906$668$298
26 years$2,021$1,522$1,130$829$602$258
27 years$1,925$1,432$1,049$759$543$223
28 years$1,837$1,350$975$695$490$193
29 years$1,754$1,273$908$637$442$167
30 years$1,677$1,202$846$585$399$145
31 years$1,606$1,137$788$537$361$126
32 years$1,539$1,076$735$494$327$109
33 years$1,476$1,019$687$454$296$95
34 years$1,417$965$642$418$268$82
35 years$1,361$916$600$385$242$71
36 years$1,309$869$561$354$220$62
37 years$1,259$825$525$326$199$54
38 years$1,213$784$492$301$180$47
39 years$1,168$746$461$277$164$40
40 years$1,127$710$432$256$148$35
41 years$1,087$676$405$236$135$31
42 years$1,049$643$380$218$122$27
43 years$1,013$613$357$201$111$23
44 years$979$584$335$186$101$20
45 years$946$557$314$171$91$17
46 years$915$532$295$158$83$15
47 years$886$507$277$146$75$13
48 years$857$484$261$135$68$11
49 years$830$462$245$125$62$10
50 years$805$442$230$116$56$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $824,000, adding $4,042 every year, while hoping to spend $37,027 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: 59/18/23 Blend
51$824,000$824,000$824,000$824,000
52$912,217$868,545$855,773$960,206
53$965,867$871,708$845,045$996,477
54$1,023,748$873,784$832,717$1,031,666
55$1,086,253$874,682$818,695$1,069,241
56$1,153,813$874,303$802,884$1,109,438
57$1,226,902$872,544$785,180$1,152,523
58$1,306,041$869,294$765,479$1,198,789
59$1,391,803$864,436$743,669$1,248,559
60$1,484,818$857,844$719,633$1,302,192
61$1,585,779$849,388$693,250$1,360,085
62$1,695,448$838,927$664,393$1,422,677
63$1,814,662$826,313$632,928$1,490,452
64$1,944,343$811,388$598,718$1,563,948
65$2,085,507$793,987$561,615$1,643,758
66$2,239,268$773,932$521,469$1,730,540
67$2,406,857$751,037$478,121$1,825,018
68$2,589,623$725,105$431,406$1,927,995
69$2,789,056$695,927$381,149$2,040,357
70$3,006,792$663,280$327,170$2,163,086
71$3,244,635$626,930$269,280$2,297,264
72$3,504,569$586,631$207,282$2,444,088
73$3,788,779$542,121$140,971$2,604,880
74$4,099,671$493,121$70,130$2,781,102
75$4,439,894$439,341$0$2,974,367
76$4,812,365$380,469$0$3,187,799
77$5,220,295$316,181$0$3,440,481
78$5,667,221$246,130$0$3,717,416
79$6,157,040$169,952$0$4,021,068
80$6,694,040$87,262$0$4,354,154
81$7,282,947$0$0$4,719,668
82$7,928,965$0$0$5,121,377
83$8,637,827$0$0$5,581,198
84$9,415,846$0$0$6,085,950
85$10,269,977$0$0$6,640,153
86$11,207,882$0$0$7,248,789
87$12,237,999$0$0$7,917,342
88$13,369,626$0$0$8,651,858
89$14,613,005$0$0$9,458,992
90$15,979,418$0$0$10,346,081
91$17,481,296$0$0$11,321,204
92$19,132,332$0$0$12,393,264
93$20,947,615$0$0$13,572,069
94$22,943,766$0$0$14,868,426
95$25,139,097$0$0$16,294,238
96$27,553,788$0$0$17,862,625
97$30,210,068$0$0$19,588,037
98$33,132,430$0$0$21,486,400
99$36,347,863$0$0$23,575,257
100$39,886,102$0$0$25,873,941