Can I retire at age 52 with 826,000?

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 $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%14.1%
1 years$68,210$67,603$67,010$66,431$65,866$64,749
2 years$33,767$33,139$32,529$31,938$31,365$30,242
3 years$22,288$21,656$21,048$20,463$19,899$18,807
4 years$16,549$15,920$15,318$14,743$14,192$13,138
5 years$13,107$12,481$11,887$11,324$10,789$9,776
6 years$10,813$10,192$9,607$9,056$8,537$7,567
7 years$9,175$8,559$7,983$7,445$6,943$6,015
8 years$7,947$7,337$6,770$6,246$5,760$4,875
9 years$6,993$6,388$5,831$5,320$4,850$4,008
10 years$6,229$5,631$5,084$4,586$4,133$3,332
11 years$5,605$5,013$4,476$3,991$3,554$2,794
12 years$5,086$4,499$3,972$3,501$3,080$2,360
13 years$4,646$4,066$3,549$3,091$2,686$2,004
14 years$4,270$3,696$3,189$2,743$2,354$1,710
15 years$3,944$3,376$2,879$2,447$2,073$1,465
16 years$3,659$3,098$2,610$2,191$1,832$1,259
17 years$3,408$2,853$2,375$1,968$1,625$1,085
18 years$3,186$2,636$2,168$1,774$1,444$937
19 years$2,986$2,443$1,985$1,603$1,287$811
20 years$2,807$2,270$1,822$1,452$1,150$703
21 years$2,646$2,115$1,676$1,317$1,029$610
22 years$2,499$1,974$1,544$1,198$922$531
23 years$2,365$1,846$1,426$1,091$828$462
24 years$2,242$1,730$1,319$995$744$402
25 years$2,130$1,623$1,221$909$670$350
26 years$2,026$1,526$1,133$831$603$306
27 years$1,930$1,436$1,052$761$544$267
28 years$1,841$1,353$978$697$491$233
29 years$1,758$1,276$910$639$443$204
30 years$1,681$1,205$848$586$400$178
31 years$1,610$1,139$790$539$362$156
32 years$1,542$1,078$737$495$327$136
33 years$1,479$1,021$688$455$296$119
34 years$1,420$968$643$419$268$104
35 years$1,364$918$601$386$243$91
36 years$1,312$871$563$355$220$80
37 years$1,262$827$527$327$200$70
38 years$1,216$786$493$302$181$61
39 years$1,171$748$462$278$164$54
40 years$1,129$711$433$256$149$47
41 years$1,089$677$406$237$135$41
42 years$1,052$645$381$218$123$36
43 years$1,016$615$357$202$111$32
44 years$981$586$335$186$101$28
45 years$949$559$315$172$92$24
46 years$918$533$296$159$83$21
47 years$888$508$278$147$76$19
48 years$860$485$261$136$69$16
49 years$832$464$245$125$62$14
50 years$806$443$231$116$57$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $826,000, adding $5,178 every year, while hoping to spend $40,195 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: 70/7/23 Blend
51$826,000$826,000$826,000$826,000
52$915,593$871,815$859,012$974,057
53$966,216$871,767$845,022$1,013,749
54$1,020,656$870,369$829,216$1,051,995
55$1,079,259$867,513$811,491$1,092,893
56$1,142,406$863,084$791,738$1,136,703
57$1,210,516$856,959$769,846$1,183,711
58$1,284,048$849,009$745,694$1,234,234
59$1,363,506$839,097$719,161$1,288,624
60$1,449,447$827,076$690,116$1,347,266
61$1,542,480$812,792$658,425$1,410,587
62$1,643,276$796,082$623,945$1,479,061
63$1,752,572$776,772$586,529$1,553,207
64$1,871,180$754,678$546,022$1,633,601
65$1,999,990$729,608$502,264$1,720,879
66$2,139,985$701,354$455,086$1,815,743
67$2,292,242$669,700$404,310$1,918,967
68$2,457,951$634,415$349,755$2,031,407
69$2,638,416$595,256$291,226$2,154,007
70$2,835,077$551,965$228,524$2,287,810
71$3,049,514$504,271$161,439$2,433,967
72$3,283,469$451,885$89,752$2,593,748
73$3,538,860$394,504$13,235$2,768,554
74$3,817,795$331,806$0$2,959,935
75$4,122,598$263,452$0$3,186,388
76$4,455,825$189,084$0$3,437,565
77$4,820,292$108,322$0$3,712,358
78$5,219,099$20,767$0$4,013,129
79$5,655,660$0$0$4,342,478
80$6,133,732$0$0$4,708,974
81$6,657,455$0$0$5,112,262
82$7,231,387$0$0$5,554,260
83$7,860,549$0$0$6,038,838
84$8,550,470$0$0$6,570,262
85$9,307,239$0$0$7,153,229
86$10,137,564$0$0$7,792,911
87$11,048,834$0$0$8,495,007
88$12,049,186$0$0$9,265,794
89$13,147,585$0$0$10,112,188
90$14,353,906$0$0$11,041,803
91$15,679,028$0$0$12,063,032
92$17,134,934$0$0$13,185,118
93$18,734,828$0$0$14,418,243
94$20,493,252$0$0$15,773,627
95$22,426,232$0$0$17,263,629
96$24,551,419$0$0$18,901,865
97$26,888,263$0$0$20,703,338
98$29,458,192$0$0$22,684,576
99$32,284,815$0$0$24,863,790
100$35,394,143$0$0$27,261,043