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%18.1%
1 years$68,210$67,603$67,010$66,431$65,866$63,707
2 years$33,767$33,139$32,529$31,938$31,365$29,210
3 years$22,288$21,656$21,048$20,463$19,899$17,816
4 years$16,549$15,920$15,318$14,743$14,192$12,197
5 years$13,107$12,481$11,887$11,324$10,789$8,887
6 years$10,813$10,192$9,607$9,056$8,537$6,730
7 years$9,175$8,559$7,983$7,445$6,943$5,231
8 years$7,947$7,337$6,770$6,246$5,760$4,141
9 years$6,993$6,388$5,831$5,320$4,850$3,324
10 years$6,229$5,631$5,084$4,586$4,133$2,695
11 years$5,605$5,013$4,476$3,991$3,554$2,203
12 years$5,086$4,499$3,972$3,501$3,080$1,812
13 years$4,646$4,066$3,549$3,091$2,686$1,499
14 years$4,270$3,696$3,189$2,743$2,354$1,244
15 years$3,944$3,376$2,879$2,447$2,073$1,036
16 years$3,659$3,098$2,610$2,191$1,832$866
17 years$3,408$2,853$2,375$1,968$1,625$725
18 years$3,186$2,636$2,168$1,774$1,444$608
19 years$2,986$2,443$1,985$1,603$1,287$510
20 years$2,807$2,270$1,822$1,452$1,150$429
21 years$2,646$2,115$1,676$1,317$1,029$361
22 years$2,499$1,974$1,544$1,198$922$305
23 years$2,365$1,846$1,426$1,091$828$257
24 years$2,242$1,730$1,319$995$744$217
25 years$2,130$1,623$1,221$909$670$183
26 years$2,026$1,526$1,133$831$603$155
27 years$1,930$1,436$1,052$761$544$131
28 years$1,841$1,353$978$697$491$110
29 years$1,758$1,276$910$639$443$93
30 years$1,681$1,205$848$586$400$79
31 years$1,610$1,139$790$539$362$67
32 years$1,542$1,078$737$495$327$56
33 years$1,479$1,021$688$455$296$48
34 years$1,420$968$643$419$268$40
35 years$1,364$918$601$386$243$34
36 years$1,312$871$563$355$220$29
37 years$1,262$827$527$327$200$25
38 years$1,216$786$493$302$181$21
39 years$1,171$748$462$278$164$18
40 years$1,129$711$433$256$149$15
41 years$1,089$677$406$237$135$13
42 years$1,052$645$381$218$123$11
43 years$1,016$615$357$202$111$9
44 years$981$586$335$186$101$8
45 years$949$559$315$172$92$6
46 years$918$533$296$159$83$5
47 years$888$508$278$147$76$5
48 years$860$485$261$136$69$4
49 years$832$464$245$125$62$3
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 $2,409 every year, while hoping to spend $20,639 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: 87/7/6 Blend
51$826,000$826,000$826,000$826,000
52$912,737$868,959$856,156$991,741
53$983,876$889,578$862,877$1,064,178
54$1,061,580$910,516$869,132$1,140,667
55$1,146,496$931,766$874,883$1,224,064
56$1,239,338$953,322$880,091$1,315,050
57$1,340,890$975,174$884,714$1,414,375
58$1,452,018$997,315$888,708$1,522,864
59$1,573,673$1,019,732$892,029$1,641,428
60$1,706,903$1,042,415$894,628$1,771,066
61$1,852,864$1,065,349$896,454$1,912,883
62$2,012,825$1,088,521$897,455$2,068,092
63$2,188,189$1,111,914$897,575$2,238,031
64$2,380,496$1,135,510$896,756$2,424,174
65$2,591,446$1,159,289$894,937$2,628,145
66$2,822,909$1,183,230$892,052$2,851,732
67$3,076,946$1,207,308$888,036$3,096,904
68$3,355,827$1,231,499$882,818$3,365,831
69$3,662,052$1,255,773$876,323$3,660,905
70$3,998,376$1,280,101$868,475$3,984,759
71$4,367,834$1,304,449$859,192$4,340,295
72$4,773,766$1,328,781$848,389$4,730,710
73$5,219,858$1,353,058$835,977$5,159,526
74$5,710,164$1,377,238$821,862$5,630,624
75$6,249,154$1,401,277$805,949$6,148,279
76$6,841,754$1,425,125$788,133$6,717,203
77$7,493,386$1,448,730$768,310$7,342,586
78$8,210,029$1,472,035$746,366$8,030,148
79$8,998,268$1,494,981$722,185$8,786,191
80$9,865,357$1,517,501$695,644$9,617,658
81$10,819,292$1,539,527$666,616$10,532,201
82$11,868,880$1,560,983$634,968$11,538,251
83$13,023,825$1,581,791$600,559$12,645,097
84$14,294,820$1,601,864$563,243$13,862,977
85$15,693,648$1,621,112$522,868$15,203,169
86$17,233,290$1,639,436$479,274$16,678,104
87$18,928,051$1,656,734$432,294$18,301,477
88$20,793,692$1,672,893$381,756$20,088,381
89$22,847,580$1,687,796$327,476$22,055,447
90$25,108,852$1,701,317$269,265$24,221,001
91$27,598,594$1,713,321$206,925$26,605,237
92$30,340,042$1,723,665$140,249$29,230,410
93$33,358,800$1,732,198$69,020$32,121,042
94$36,683,078$1,738,757$0$35,304,154
95$40,343,967$1,743,170$0$38,809,974
96$44,375,721$1,745,255$0$42,675,613
97$48,816,089$1,744,817$0$46,932,824
98$53,706,667$1,741,650$0$51,621,471
99$59,093,291$1,735,535$0$56,785,484
100$65,026,470$1,726,239$0$62,473,270