Can I retire at age 52 with 824,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%
1 years$68,045$67,439$66,848$66,271$65,707$64,092
2 years$33,686$33,058$32,450$31,861$31,289$29,672
3 years$22,234$21,604$20,998$20,414$19,851$18,283
4 years$16,509$15,881$15,281$14,707$14,158$12,650
5 years$13,075$12,451$11,859$11,296$10,763$9,320
6 years$10,787$10,167$9,583$9,034$8,516$7,139
7 years$9,153$8,538$7,964$7,427$6,926$5,615
8 years$7,928$7,319$6,754$6,230$5,746$4,501
9 years$6,976$6,373$5,817$5,307$4,839$3,659
10 years$6,214$5,617$5,072$4,575$4,123$3,006
11 years$5,592$5,001$4,465$3,981$3,546$2,491
12 years$5,073$4,488$3,963$3,492$3,073$2,078
13 years$4,635$4,056$3,540$3,083$2,679$1,742
14 years$4,260$3,687$3,181$2,737$2,349$1,468
15 years$3,935$3,368$2,872$2,441$2,068$1,241
16 years$3,651$3,090$2,604$2,185$1,828$1,052
17 years$3,400$2,846$2,369$1,964$1,621$894
18 years$3,178$2,630$2,163$1,770$1,441$762
19 years$2,979$2,437$1,980$1,599$1,284$650
20 years$2,801$2,265$1,817$1,448$1,147$555
21 years$2,639$2,110$1,671$1,314$1,027$475
22 years$2,493$1,969$1,541$1,195$920$407
23 years$2,359$1,842$1,422$1,088$826$349
24 years$2,237$1,726$1,315$993$742$300
25 years$2,124$1,619$1,218$906$668$257
26 years$2,021$1,522$1,130$829$602$221
27 years$1,925$1,432$1,049$759$543$190
28 years$1,837$1,350$975$695$490$163
29 years$1,754$1,273$908$637$442$140
30 years$1,677$1,202$846$585$399$121
31 years$1,606$1,137$788$537$361$104
32 years$1,539$1,076$735$494$327$90
33 years$1,476$1,019$687$454$296$77
34 years$1,417$965$642$418$268$66
35 years$1,361$916$600$385$242$57
36 years$1,309$869$561$354$220$49
37 years$1,259$825$525$326$199$42
38 years$1,213$784$492$301$180$37
39 years$1,168$746$461$277$164$32
40 years$1,127$710$432$256$148$27
41 years$1,087$676$405$236$135$23
42 years$1,049$643$380$218$122$20
43 years$1,013$613$357$201$111$17
44 years$979$584$335$186$101$15
45 years$946$557$314$171$91$13
46 years$915$532$295$158$83$11
47 years$886$507$277$146$75$10
48 years$857$484$261$135$68$8
49 years$830$462$245$125$62$7
50 years$805$442$230$116$56$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $824,000, adding $4,234 every year, while hoping to spend $44,108 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: 58/19/23 Blend
51$824,000$824,000$824,000$824,000
52$912,415$868,743$855,971$959,465
53$958,551$864,381$837,716$987,652
54$1,007,915$858,327$817,370$1,013,272
55$1,060,788$850,451$794,819$1,040,253
56$1,117,482$840,617$769,938$1,068,735
57$1,178,336$828,678$742,602$1,098,876
58$1,243,723$814,480$712,677$1,130,854
59$1,314,054$797,861$680,022$1,164,863
60$1,389,778$778,646$644,493$1,201,123
61$1,471,389$756,654$605,937$1,239,878
62$1,559,429$731,689$564,195$1,281,396
63$1,654,496$703,546$519,101$1,325,979
64$1,757,243$672,009$470,479$1,373,961
65$1,868,392$636,847$418,150$1,425,714
66$1,988,732$597,817$361,923$1,481,650
67$2,119,135$554,662$301,599$1,542,226
68$2,260,557$507,111$236,973$1,607,952
69$2,414,050$454,875$167,828$1,679,391
70$2,580,771$397,652$93,938$1,757,168
71$2,761,993$335,120$15,068$1,841,978
72$2,959,116$266,941$0$1,934,589
73$3,173,681$192,756$0$2,052,812
74$3,407,383$112,187$0$2,185,683
75$3,662,086$24,835$0$2,330,611
76$3,939,845$0$0$2,488,825
77$4,242,918$0$0$2,676,256
78$4,573,793$0$0$2,886,615
79$4,935,207$0$0$3,116,458
80$5,330,174$0$0$3,367,710
81$5,762,013$0$0$3,642,492
82$6,234,376$0$0$3,943,136
83$6,751,286$0$0$4,272,213
84$7,317,173$0$0$4,632,553
85$7,936,913$0$0$5,027,271
86$8,615,879$0$0$5,459,800
87$9,359,986$0$0$5,933,919
88$10,175,748$0$0$6,453,790
89$11,070,340$0$0$7,023,998
90$12,051,666$0$0$7,649,593
91$13,128,431$0$0$8,336,137
92$14,310,221$0$0$9,089,757
93$15,607,598$0$0$9,917,201
94$17,032,197$0$0$10,825,903
95$18,596,832$0$0$11,824,052
96$20,315,621$0$0$12,920,672
97$22,204,118$0$0$14,125,699
98$24,279,454$0$0$15,450,083
99$26,560,506$0$0$16,905,886
100$29,068,069$0$0$18,506,399