Can I retire at age 52 with 828,000?

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 $828,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.2%
1 years$68,375$67,766$67,172$66,592$66,026$64,879
2 years$33,849$33,219$32,608$32,015$31,441$30,289
3 years$22,342$21,709$21,099$20,513$19,947$18,826
4 years$16,590$15,958$15,355$14,778$14,227$13,145
5 years$13,139$12,512$11,916$11,351$10,815$9,776
6 years$10,839$10,217$9,630$9,078$8,557$7,563
7 years$9,197$8,580$8,003$7,463$6,959$6,009
8 years$7,966$7,355$6,787$6,261$5,774$4,867
9 years$7,010$6,403$5,845$5,333$4,862$3,999
10 years$6,244$5,644$5,096$4,597$4,143$3,323
11 years$5,619$5,025$4,487$4,001$3,563$2,785
12 years$5,098$4,510$3,982$3,509$3,088$2,350
13 years$4,658$4,076$3,557$3,098$2,692$1,995
14 years$4,280$3,705$3,196$2,750$2,360$1,701
15 years$3,954$3,384$2,886$2,453$2,078$1,456
16 years$3,668$3,105$2,617$2,196$1,837$1,250
17 years$3,417$2,860$2,381$1,973$1,628$1,077
18 years$3,193$2,642$2,173$1,778$1,448$929
19 years$2,994$2,449$1,990$1,607$1,291$804
20 years$2,814$2,276$1,826$1,455$1,153$696
21 years$2,652$2,120$1,680$1,321$1,032$604
22 years$2,505$1,979$1,548$1,201$925$525
23 years$2,370$1,851$1,429$1,094$830$456
24 years$2,248$1,734$1,322$997$746$397
25 years$2,135$1,627$1,224$911$671$346
26 years$2,031$1,529$1,136$833$605$301
27 years$1,935$1,439$1,054$762$545$263
28 years$1,845$1,356$980$698$492$229
29 years$1,763$1,279$912$641$444$200
30 years$1,685$1,208$850$588$401$175
31 years$1,613$1,142$792$540$363$153
32 years$1,546$1,081$739$496$328$133
33 years$1,483$1,024$690$456$297$117
34 years$1,423$970$645$420$269$102
35 years$1,368$920$603$386$244$89
36 years$1,315$873$564$356$221$78
37 years$1,265$829$528$328$200$68
38 years$1,218$788$494$302$181$60
39 years$1,174$750$463$279$164$52
40 years$1,132$713$434$257$149$46
41 years$1,092$679$407$237$135$40
42 years$1,054$647$382$219$123$35
43 years$1,018$616$358$202$111$31
44 years$984$587$336$187$101$27
45 years$951$560$316$172$92$23
46 years$920$534$297$159$83$21
47 years$890$510$279$147$76$18
48 years$862$487$262$136$69$16
49 years$834$465$246$126$62$14
50 years$808$444$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 $828,000, adding $4,632 every year, while hoping to spend $25,933 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: 39/49/12 Blend
51$828,000$828,000$828,000$828,000
52$917,234$873,350$860,516$949,517
53$983,199$888,552$861,751$988,029
54$1,055,024$903,629$862,158$1,026,757
55$1,133,278$918,548$861,682$1,068,060
56$1,218,589$933,274$860,265$1,112,181
57$1,311,649$947,768$857,847$1,159,391
58$1,413,216$961,988$854,364$1,209,986
59$1,524,128$975,889$849,749$1,264,296
60$1,645,306$989,425$843,933$1,322,683
61$1,777,765$1,002,544$836,842$1,385,549
62$1,922,621$1,015,192$828,400$1,453,334
63$2,081,102$1,027,311$818,526$1,526,529
64$2,254,564$1,038,838$807,135$1,605,672
65$2,444,496$1,049,708$794,141$1,691,360
66$2,652,540$1,059,849$779,451$1,784,250
67$2,880,504$1,069,187$762,967$1,885,067
68$3,130,379$1,077,640$744,589$1,994,615
69$3,404,356$1,085,124$724,212$2,113,779
70$3,704,852$1,091,546$701,725$2,243,535
71$4,034,526$1,096,811$677,011$2,384,963
72$4,396,307$1,100,814$649,951$2,539,254
73$4,793,424$1,103,447$620,418$2,707,724
74$5,229,430$1,104,593$588,279$2,891,823
75$5,708,242$1,104,128$553,396$3,093,155
76$6,234,172$1,101,921$515,625$3,313,487
77$6,811,975$1,097,831$474,815$3,554,772
78$7,446,883$1,091,712$430,808$3,819,164
79$8,144,664$1,083,405$383,439$4,109,040
80$8,911,673$1,072,745$332,538$4,427,025
81$9,754,909$1,059,554$277,922$4,776,013
82$10,682,083$1,043,646$219,406$5,159,200
83$11,701,692$1,024,822$156,794$5,580,112
84$12,823,098$1,002,871$89,879$6,042,637
85$14,056,614$977,572$18,450$6,551,069
86$15,413,604$948,688$0$7,110,143
87$16,906,588$915,970$0$7,732,479
88$18,549,361$879,154$0$8,419,446
89$20,357,124$837,961$0$9,175,068
90$22,346,624$792,094$0$10,006,390
91$24,536,315$741,242$0$10,921,183
92$26,946,530$685,073$0$11,928,015
93$29,599,673$623,239$0$13,036,336
94$32,520,432$555,370$0$14,256,566
95$35,736,008$481,076$0$15,600,194
96$39,276,376$399,943$0$17,079,890
97$43,174,563$311,537$0$18,709,626
98$47,466,963$215,397$0$20,504,805
99$52,193,678$111,036$0$22,482,414
100$57,398,899$0$0$24,661,179