Can I retire at age 52 with 827,000?

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 $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%
1 years$68,293$67,685$67,091$66,512$65,946$64,588
2 years$33,808$33,179$32,568$31,977$31,403$30,041
3 years$22,315$21,683$21,074$20,488$19,923$18,600
4 years$16,569$15,939$15,336$14,760$14,209$12,935
5 years$13,123$12,496$11,902$11,337$10,802$9,579
6 years$10,826$10,204$9,618$9,067$8,547$7,378
7 years$9,186$8,570$7,993$7,454$6,951$5,836
8 years$7,957$7,346$6,779$6,253$5,767$4,705
9 years$7,001$6,396$5,838$5,326$4,856$3,848
10 years$6,237$5,638$5,090$4,591$4,138$3,181
11 years$5,612$5,019$4,481$3,996$3,559$2,653
12 years$5,092$4,505$3,977$3,505$3,084$2,227
13 years$4,652$4,071$3,553$3,094$2,689$1,880
14 years$4,275$3,700$3,193$2,747$2,357$1,595
15 years$3,949$3,380$2,882$2,450$2,076$1,357
16 years$3,664$3,101$2,613$2,193$1,834$1,159
17 years$3,413$2,856$2,378$1,971$1,627$993
18 years$3,189$2,639$2,171$1,776$1,446$852
19 years$2,990$2,446$1,987$1,605$1,289$732
20 years$2,811$2,273$1,824$1,453$1,151$630
21 years$2,649$2,117$1,678$1,319$1,030$544
22 years$2,502$1,976$1,546$1,199$924$469
23 years$2,368$1,848$1,428$1,092$829$406
24 years$2,245$1,732$1,320$996$745$351
25 years$2,132$1,625$1,223$910$671$304
26 years$2,028$1,527$1,134$832$604$263
27 years$1,932$1,438$1,053$761$545$228
28 years$1,843$1,355$979$698$491$197
29 years$1,760$1,278$911$640$444$171
30 years$1,683$1,207$849$587$401$149
31 years$1,611$1,141$791$539$362$129
32 years$1,544$1,079$738$496$328$112
33 years$1,481$1,022$689$456$297$97
34 years$1,422$969$644$419$269$84
35 years$1,366$919$602$386$243$73
36 years$1,313$872$563$355$220$64
37 years$1,264$828$527$328$200$55
38 years$1,217$787$494$302$181$48
39 years$1,173$749$463$278$164$42
40 years$1,131$712$434$257$149$36
41 years$1,091$678$406$237$135$32
42 years$1,053$646$381$219$123$27
43 years$1,017$615$358$202$111$24
44 years$983$586$336$186$101$21
45 years$950$559$315$172$92$18
46 years$919$533$296$159$83$16
47 years$889$509$278$147$76$14
48 years$861$486$261$136$69$12
49 years$833$464$246$125$62$10
50 years$807$443$231$116$57$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $827,000, adding $3,784 every year, while hoping to spend $38,479 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: 50/30/20 Blend
51$827,000$827,000$827,000$827,000
52$915,257$871,426$858,608$955,736
53$967,672$873,185$846,430$985,900
54$1,024,144$873,740$832,554$1,014,415
55$1,085,045$872,992$816,883$1,044,594
56$1,150,786$870,835$799,315$1,076,607
57$1,221,817$867,157$779,744$1,110,644
58$1,298,634$861,839$758,056$1,146,920
59$1,381,780$854,754$734,136$1,185,668
60$1,471,853$845,769$707,862$1,227,152
61$1,569,511$834,741$679,104$1,271,663
62$1,675,478$821,520$647,731$1,319,525
63$1,790,549$805,946$613,602$1,371,097
64$1,915,598$787,850$576,570$1,426,777
65$2,051,588$767,054$536,485$1,487,009
66$2,199,578$743,368$493,185$1,552,282
67$2,360,732$716,590$446,504$1,623,143
68$2,536,334$686,510$396,269$1,700,194
69$2,727,794$652,903$342,298$1,784,104
70$2,936,664$615,530$284,400$1,875,617
71$3,164,654$574,141$222,377$1,975,552
72$3,413,645$528,471$156,023$2,084,821
73$3,685,708$478,237$85,122$2,204,433
74$3,983,124$423,145$9,447$2,335,503
75$4,308,403$362,879$0$2,479,267
76$4,664,308$297,108$0$2,652,313
77$5,053,884$225,483$0$2,844,075
78$5,480,482$147,633$0$3,054,267
79$5,947,793$63,169$0$3,284,798
80$6,459,880$0$0$3,537,778
81$7,021,222$0$0$3,824,886
82$7,636,746$0$0$4,162,660
83$8,311,885$0$0$4,533,238
84$9,052,617$0$0$4,939,913
85$9,865,531$0$0$5,386,314
86$10,757,883$0$0$5,876,438
87$11,737,665$0$0$6,414,687
88$12,813,684$0$0$7,005,911
89$13,995,638$0$0$7,655,453
90$15,294,213$0$0$8,369,199
91$16,721,179$0$0$9,153,633
92$18,289,505$0$0$10,015,899
93$20,013,478$0$0$10,963,867
94$21,908,837$0$0$12,006,208
95$23,992,922$0$0$13,152,474
96$26,284,840$0$0$14,413,190
97$28,805,640$0$0$15,799,954
98$31,578,514$0$0$17,325,541
99$34,629,013$0$0$19,004,028
100$37,985,293$0$0$20,850,926