Can I retire at age 52 with 827,000?

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 $827,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.5%
1 years$68,293$67,685$67,091$66,512$65,946$64,457
2 years$33,808$33,179$32,568$31,977$31,403$29,910
3 years$22,315$21,683$21,074$20,488$19,923$18,474
4 years$16,569$15,939$15,336$14,760$14,209$12,815
5 years$13,123$12,496$11,902$11,337$10,802$9,466
6 years$10,826$10,204$9,618$9,067$8,547$7,271
7 years$9,186$8,570$7,993$7,454$6,951$5,735
8 years$7,957$7,346$6,779$6,253$5,767$4,610
9 years$7,001$6,396$5,838$5,326$4,856$3,759
10 years$6,237$5,638$5,090$4,591$4,138$3,098
11 years$5,612$5,019$4,481$3,996$3,559$2,575
12 years$5,092$4,505$3,977$3,505$3,084$2,155
13 years$4,652$4,071$3,553$3,094$2,689$1,813
14 years$4,275$3,700$3,193$2,747$2,357$1,533
15 years$3,949$3,380$2,882$2,450$2,076$1,300
16 years$3,664$3,101$2,613$2,193$1,834$1,106
17 years$3,413$2,856$2,378$1,971$1,627$944
18 years$3,189$2,639$2,171$1,776$1,446$807
19 years$2,990$2,446$1,987$1,605$1,289$691
20 years$2,811$2,273$1,824$1,453$1,151$593
21 years$2,649$2,117$1,678$1,319$1,030$509
22 years$2,502$1,976$1,546$1,199$924$438
23 years$2,368$1,848$1,428$1,092$829$377
24 years$2,245$1,732$1,320$996$745$325
25 years$2,132$1,625$1,223$910$671$280
26 years$2,028$1,527$1,134$832$604$241
27 years$1,932$1,438$1,053$761$545$208
28 years$1,843$1,355$979$698$491$180
29 years$1,760$1,278$911$640$444$155
30 years$1,683$1,207$849$587$401$134
31 years$1,611$1,141$791$539$362$116
32 years$1,544$1,079$738$496$328$100
33 years$1,481$1,022$689$456$297$87
34 years$1,422$969$644$419$269$75
35 years$1,366$919$602$386$243$65
36 years$1,313$872$563$355$220$56
37 years$1,264$828$527$328$200$49
38 years$1,217$787$494$302$181$42
39 years$1,173$749$463$278$164$36
40 years$1,131$712$434$257$149$31
41 years$1,091$678$406$237$135$27
42 years$1,053$646$381$219$123$24
43 years$1,017$615$358$202$111$20
44 years$983$586$336$186$101$18
45 years$950$559$315$172$92$15
46 years$919$533$296$159$83$13
47 years$889$509$278$147$76$11
48 years$861$486$261$136$69$10
49 years$833$464$246$125$62$9
50 years$807$443$231$116$57$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $827,000, adding $6,828 every year, while hoping to spend $40,835 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: 49/26/25 Blend
51$827,000$827,000$827,000$827,000
52$918,397$874,566$861,748$956,599
53$968,625$873,972$847,168$983,381
54$1,022,609$871,980$830,731$1,007,838
55$1,080,686$868,478$812,332$1,033,591
56$1,143,231$863,349$791,861$1,060,779
57$1,210,654$856,466$769,202$1,089,561
58$1,283,405$847,697$744,234$1,120,112
59$1,361,978$836,900$716,831$1,152,629
60$1,446,917$823,925$686,862$1,187,329
61$1,538,819$808,614$654,189$1,224,458
62$1,638,341$790,799$618,667$1,264,286
63$1,746,206$770,301$580,146$1,307,115
64$1,863,206$746,933$538,468$1,353,284
65$1,990,215$720,495$493,468$1,403,166
66$2,128,193$690,776$444,976$1,457,177
67$2,278,197$657,552$392,811$1,515,782
68$2,441,388$620,587$336,785$1,579,495
69$2,619,046$579,632$276,704$1,648,888
70$2,812,577$534,422$212,361$1,724,596
71$3,023,529$484,678$143,545$1,807,323
72$3,253,607$430,105$70,031$1,897,852
73$3,504,685$370,391$0$1,997,050
74$3,778,828$305,205$0$2,108,126
75$4,078,309$234,201$0$2,249,983
76$4,405,629$157,009$0$2,405,169
77$4,763,543$73,243$0$2,575,065
78$5,155,083$0$0$2,761,198
79$5,583,589$0$0$2,970,260
80$6,052,736$0$0$3,222,180
81$6,566,575$0$0$3,498,189
82$7,129,564$0$0$3,800,691
83$7,746,613$0$0$4,132,338
84$8,423,131$0$0$4,496,048
85$9,165,075$0$0$4,895,036
86$9,979,004$0$0$5,332,843
87$10,872,146$0$0$5,813,369
88$11,852,460$0$0$6,340,912
89$12,928,713$0$0$6,920,203
90$14,110,564$0$0$7,556,456
91$15,408,652$0$0$8,255,414
92$16,834,698$0$0$9,023,404
93$18,401,613$0$0$9,867,397
94$20,123,621$0$0$10,795,070
95$22,016,392$0$0$11,814,883
96$24,097,192$0$0$12,936,157
97$26,385,040$0$0$14,169,160
98$28,900,891$0$0$15,525,205
99$31,667,833$0$0$17,016,756
100$34,711,303$0$0$18,657,547