Can I retire at age 52 with 826,000?

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 $826,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$68,210$67,603$67,010$66,431$65,866$63,835
2 years$33,767$33,139$32,529$31,938$31,365$29,336
3 years$22,288$21,656$21,048$20,463$19,899$17,936
4 years$16,549$15,920$15,318$14,743$14,192$12,311
5 years$13,107$12,481$11,887$11,324$10,789$8,993
6 years$10,813$10,192$9,607$9,056$8,537$6,829
7 years$9,175$8,559$7,983$7,445$6,943$5,323
8 years$7,947$7,337$6,770$6,246$5,760$4,227
9 years$6,993$6,388$5,831$5,320$4,850$3,402
10 years$6,229$5,631$5,084$4,586$4,133$2,768
11 years$5,605$5,013$4,476$3,991$3,554$2,270
12 years$5,086$4,499$3,972$3,501$3,080$1,874
13 years$4,646$4,066$3,549$3,091$2,686$1,554
14 years$4,270$3,696$3,189$2,743$2,354$1,295
15 years$3,944$3,376$2,879$2,447$2,073$1,082
16 years$3,659$3,098$2,610$2,191$1,832$907
17 years$3,408$2,853$2,375$1,968$1,625$762
18 years$3,186$2,636$2,168$1,774$1,444$642
19 years$2,986$2,443$1,985$1,603$1,287$541
20 years$2,807$2,270$1,822$1,452$1,150$457
21 years$2,646$2,115$1,676$1,317$1,029$386
22 years$2,499$1,974$1,544$1,198$922$327
23 years$2,365$1,846$1,426$1,091$828$277
24 years$2,242$1,730$1,319$995$744$234
25 years$2,130$1,623$1,221$909$670$199
26 years$2,026$1,526$1,133$831$603$168
27 years$1,930$1,436$1,052$761$544$143
28 years$1,841$1,353$978$697$491$121
29 years$1,758$1,276$910$639$443$103
30 years$1,681$1,205$848$586$400$87
31 years$1,610$1,139$790$539$362$74
32 years$1,542$1,078$737$495$327$63
33 years$1,479$1,021$688$455$296$54
34 years$1,420$968$643$419$268$46
35 years$1,364$918$601$386$243$39
36 years$1,312$871$563$355$220$33
37 years$1,262$827$527$327$200$28
38 years$1,216$786$493$302$181$24
39 years$1,171$748$462$278$164$20
40 years$1,129$711$433$256$149$17
41 years$1,089$677$406$237$135$15
42 years$1,052$645$381$218$123$12
43 years$1,016$615$357$202$111$11
44 years$981$586$335$186$101$9
45 years$949$559$315$172$92$8
46 years$918$533$296$159$83$6
47 years$888$508$278$147$76$6
48 years$860$485$261$136$69$5
49 years$832$464$245$125$62$4
50 years$806$443$231$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $826,000, adding $6,170 every year, while hoping to spend $27,381 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: 64/17/19 Blend
51$826,000$826,000$826,000$826,000
52$916,616$872,838$860,035$970,496
53$980,978$886,474$859,713$1,021,097
54$1,050,987$899,861$858,463$1,072,688
55$1,127,190$912,956$856,224$1,128,404
56$1,210,190$925,717$852,934$1,188,649
57$1,300,648$938,096$848,526$1,253,870
58$1,399,294$950,043$842,931$1,324,558
59$1,506,930$961,504$836,078$1,401,256
60$1,624,440$972,420$827,890$1,484,560
61$1,752,796$982,732$818,287$1,575,131
62$1,893,068$992,372$807,186$1,673,696
63$2,046,434$1,001,272$794,500$1,781,055
64$2,214,193$1,009,357$780,138$1,898,094
65$2,397,772$1,016,546$764,004$2,025,785
66$2,598,744$1,022,757$745,998$2,165,206
67$2,818,843$1,027,899$726,016$2,317,539
68$3,059,975$1,031,875$703,947$2,484,094
69$3,324,241$1,034,586$679,678$2,666,310
70$3,613,954$1,035,922$653,088$2,865,777
71$3,931,664$1,035,768$624,053$3,084,246
72$4,280,176$1,034,003$592,441$3,323,651
73$4,662,583$1,030,498$558,116$3,586,122
74$5,082,288$1,025,114$520,935$3,874,007
75$5,543,043$1,017,707$480,748$4,189,897
76$6,048,980$1,008,120$437,399$4,536,647
77$6,604,649$996,192$390,726$4,917,407
78$7,215,065$981,746$340,556$5,335,648
79$7,885,750$964,601$286,714$5,795,198
80$8,622,790$944,560$229,012$6,300,278
81$9,432,888$921,417$167,258$6,855,539
82$10,323,429$894,952$101,247$7,466,114
83$11,302,549$864,936$30,769$8,137,656
84$12,379,213$831,121$0$8,876,401
85$13,563,296$793,250$0$9,698,234
86$14,865,680$751,047$0$10,608,965
87$16,298,354$704,222$0$11,610,753
88$17,874,525$652,468$0$12,712,860
89$19,608,749$595,462$0$13,925,491
90$21,517,062$532,859$0$15,259,896
91$23,617,131$464,298$0$16,728,469
92$25,928,424$389,395$0$18,344,874
93$28,472,394$307,746$0$20,124,166
94$31,272,676$218,923$0$22,082,940
95$34,355,313$122,475$0$24,239,482
96$37,749,004$17,924$0$26,613,947
97$41,485,368$0$0$29,228,545
98$45,599,250$0$0$32,125,572
99$50,129,042$0$0$35,319,252
100$55,117,051$0$0$38,836,069