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%17.7%
1 years$68,045$67,439$66,848$66,271$65,707$63,655
2 years$33,686$33,058$32,450$31,861$31,289$29,240
3 years$22,234$21,604$20,998$20,414$19,851$17,869
4 years$16,509$15,881$15,281$14,707$14,158$12,258
5 years$13,075$12,451$11,859$11,296$10,763$8,950
6 years$10,787$10,167$9,583$9,034$8,516$6,793
7 years$9,153$8,538$7,964$7,427$6,926$5,292
8 years$7,928$7,319$6,754$6,230$5,746$4,199
9 years$6,976$6,373$5,817$5,307$4,839$3,378
10 years$6,214$5,617$5,072$4,575$4,123$2,746
11 years$5,592$5,001$4,465$3,981$3,546$2,251
12 years$5,073$4,488$3,963$3,492$3,073$1,857
13 years$4,635$4,056$3,540$3,083$2,679$1,539
14 years$4,260$3,687$3,181$2,737$2,349$1,281
15 years$3,935$3,368$2,872$2,441$2,068$1,070
16 years$3,651$3,090$2,604$2,185$1,828$897
17 years$3,400$2,846$2,369$1,964$1,621$753
18 years$3,178$2,630$2,163$1,770$1,441$633
19 years$2,979$2,437$1,980$1,599$1,284$534
20 years$2,801$2,265$1,817$1,448$1,147$450
21 years$2,639$2,110$1,671$1,314$1,027$380
22 years$2,493$1,969$1,541$1,195$920$321
23 years$2,359$1,842$1,422$1,088$826$272
24 years$2,237$1,726$1,315$993$742$230
25 years$2,124$1,619$1,218$906$668$195
26 years$2,021$1,522$1,130$829$602$165
27 years$1,925$1,432$1,049$759$543$140
28 years$1,837$1,350$975$695$490$119
29 years$1,754$1,273$908$637$442$101
30 years$1,677$1,202$846$585$399$85
31 years$1,606$1,137$788$537$361$73
32 years$1,539$1,076$735$494$327$62
33 years$1,476$1,019$687$454$296$52
34 years$1,417$965$642$418$268$44
35 years$1,361$916$600$385$242$38
36 years$1,309$869$561$354$220$32
37 years$1,259$825$525$326$199$27
38 years$1,213$784$492$301$180$23
39 years$1,168$746$461$277$164$20
40 years$1,127$710$432$256$148$17
41 years$1,087$676$405$236$135$14
42 years$1,049$643$380$218$122$12
43 years$1,013$613$357$201$111$10
44 years$979$584$335$186$101$9
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$5
49 years$830$462$245$125$62$4
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 $5,215 every year, while hoping to spend $47,530 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: 49/39/12 Blend
51$824,000$824,000$824,000$824,000
52$913,427$869,755$856,983$954,948
53$956,025$861,802$835,121$976,075
54$1,001,375$851,865$810,933$993,615
55$1,049,708$839,799$784,291$1,011,593
56$1,101,275$825,447$755,062$1,030,066
57$1,156,354$808,642$723,106$1,049,097
58$1,215,248$789,212$688,275$1,068,761
59$1,278,289$766,968$650,418$1,089,143
60$1,345,841$741,716$609,374$1,110,339
61$1,418,304$713,248$564,975$1,132,459
62$1,496,117$681,342$517,047$1,155,629
63$1,579,760$645,768$465,408$1,179,991
64$1,669,763$606,278$409,867$1,205,706
65$1,766,706$562,613$350,224$1,232,956
66$1,871,226$514,496$286,272$1,261,947
67$1,984,022$461,638$217,794$1,292,912
68$2,105,865$403,731$144,562$1,326,111
69$2,237,599$340,449$66,341$1,361,841
70$2,380,153$271,451$0$1,400,430
71$2,534,549$196,372$0$1,444,444
72$2,701,910$114,831$0$1,501,315
73$2,883,469$26,422$0$1,563,038
74$3,080,586$0$0$1,630,173
75$3,294,753$0$0$1,733,074
76$3,527,613$0$0$1,857,364
77$3,780,974$0$0$1,992,679
78$4,056,825$0$0$2,140,090
79$4,357,353$0$0$2,300,778
80$4,684,967$0$0$2,476,042
81$5,042,318$0$0$2,667,311
82$5,432,322$0$0$2,876,159
83$5,858,191$0$0$3,104,318
84$6,323,459$0$0$3,353,696
85$6,832,018$0$0$3,626,391
86$7,388,153$0$0$3,924,715
87$7,996,580$0$0$4,251,215
88$8,662,494$0$0$4,608,691
89$9,391,614$0$0$5,000,232
90$10,190,240$0$0$5,429,236
91$11,065,307$0$0$5,899,446
92$12,024,454$0$0$6,414,984
93$13,076,094$0$0$6,980,393
94$14,229,494$0$0$7,600,672
95$15,494,859$0$0$8,281,330
96$16,883,431$0$0$9,028,435
97$18,407,592$0$0$9,848,671
98$20,080,982$0$0$10,749,400
99$21,918,627$0$0$11,738,732
100$23,937,076$0$0$12,825,603