Can I retire at age 52 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$68,128$67,521$66,929$66,351$65,787$65,046
2 years$33,727$33,098$32,490$31,899$31,327$30,581
3 years$22,261$21,630$21,023$20,438$19,875$19,147
4 years$16,529$15,900$15,299$14,725$14,175$13,471
5 years$13,091$12,466$11,873$11,310$10,776$10,097
6 years$10,800$10,180$9,595$9,045$8,526$7,875
7 years$9,164$8,549$7,974$7,436$6,934$6,310
8 years$7,938$7,328$6,762$6,238$5,753$5,155
9 years$6,984$6,380$5,824$5,313$4,845$4,274
10 years$6,222$5,624$5,078$4,580$4,128$3,583
11 years$5,599$5,007$4,470$3,986$3,550$3,031
12 years$5,080$4,494$3,967$3,496$3,076$2,583
13 years$4,641$4,061$3,545$3,087$2,683$2,214
14 years$4,265$3,691$3,185$2,740$2,352$1,907
15 years$3,940$3,372$2,875$2,444$2,071$1,649
16 years$3,655$3,094$2,607$2,188$1,830$1,431
17 years$3,404$2,849$2,372$1,966$1,623$1,245
18 years$3,182$2,633$2,166$1,772$1,443$1,087
19 years$2,983$2,440$1,982$1,601$1,286$950
20 years$2,804$2,267$1,819$1,450$1,149$832
21 years$2,642$2,112$1,674$1,316$1,028$730
22 years$2,496$1,972$1,542$1,196$921$641
23 years$2,362$1,844$1,424$1,090$827$564
24 years$2,239$1,728$1,317$994$743$497
25 years$2,127$1,621$1,220$908$669$438
26 years$2,023$1,524$1,131$830$603$386
27 years$1,928$1,434$1,051$760$543$341
28 years$1,839$1,351$977$696$490$301
29 years$1,756$1,275$909$638$443$266
30 years$1,679$1,204$847$586$400$235
31 years$1,608$1,138$789$538$362$208
32 years$1,540$1,077$736$494$327$184
33 years$1,477$1,020$688$455$296$163
34 years$1,418$967$642$418$268$144
35 years$1,363$917$601$385$243$128
36 years$1,310$870$562$355$220$113
37 years$1,261$826$526$327$199$100
38 years$1,214$785$492$301$181$89
39 years$1,170$747$461$278$164$79
40 years$1,128$711$432$256$149$70
41 years$1,088$676$406$236$135$62
42 years$1,050$644$380$218$122$55
43 years$1,014$614$357$201$111$49
44 years$980$585$335$186$101$43
45 years$948$558$315$172$92$38
46 years$917$532$295$159$83$34
47 years$887$508$278$147$75$30
48 years$859$485$261$135$69$27
49 years$831$463$245$125$62$24
50 years$805$442$231$116$57$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $825,000, adding $6,438 every year, while hoping to spend $37,863 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: 74/10/16 Blend
51$825,000$825,000$825,000$825,000
52$915,791$872,066$859,278$979,810
53$968,916$874,511$847,778$1,025,510
54$1,026,190$875,807$834,624$1,070,286
55$1,087,997$875,858$819,720$1,118,342
56$1,154,759$874,561$802,966$1,169,994
57$1,226,938$871,807$784,259$1,225,591
58$1,305,042$867,482$763,488$1,285,518
59$1,389,631$861,464$740,539$1,350,200
60$1,481,319$853,621$715,294$1,420,103
61$1,580,783$843,818$687,625$1,495,746
62$1,688,766$831,908$657,404$1,577,696
63$1,806,085$817,737$624,492$1,666,583
64$1,933,641$801,141$588,748$1,763,099
65$2,072,422$781,947$550,021$1,868,008
66$2,223,518$759,972$508,155$1,982,154
67$2,388,127$735,020$462,988$2,106,465
68$2,567,566$706,887$414,349$2,241,968
69$2,763,288$675,354$362,060$2,389,794
70$2,976,889$640,192$305,934$2,551,191
71$3,210,128$601,157$245,779$2,727,535
72$3,464,938$557,992$181,390$2,920,343
73$3,743,452$510,423$112,557$3,131,289
74$4,048,015$458,165$39,058$3,362,221
75$4,381,209$400,912$0$3,615,173
76$4,745,879$338,342$0$3,899,115
77$5,145,155$270,117$0$4,217,354
78$5,582,485$195,878$0$4,565,988
79$6,061,668$115,245$0$4,948,074
80$6,586,886$27,820$0$5,366,981
81$7,162,743$0$0$5,826,421
82$7,794,315$0$0$6,337,835
83$8,487,186$0$0$6,902,282
84$9,247,514$0$0$7,521,720
85$10,082,075$0$0$8,201,676
86$10,998,339$0$0$8,948,239
87$12,004,529$0$0$9,768,116
88$13,109,709$0$0$10,668,695
89$14,323,859$0$0$11,658,117
90$15,657,977$0$0$12,745,349
91$17,124,177$0$0$13,940,268
92$18,735,806$0$0$15,253,758
93$20,507,568$0$0$16,697,809
94$22,455,661$0$0$18,285,631
95$24,597,934$0$0$20,031,776
96$26,954,050$0$0$21,952,281
97$29,545,675$0$0$24,064,810
98$32,396,678$0$0$26,388,830
99$35,533,360$0$0$28,945,786
100$38,984,699$0$0$31,759,308