Can I retire at age 52 with 828,000?

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 $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%17.3%
1 years$68,375$67,766$67,172$66,592$66,026$64,066
2 years$33,849$33,219$32,608$32,015$31,441$29,483
3 years$22,342$21,709$21,099$20,513$19,947$18,052
4 years$16,590$15,958$15,355$14,778$14,227$12,409
5 years$13,139$12,512$11,916$11,351$10,815$9,080
6 years$10,839$10,217$9,630$9,078$8,557$6,906
7 years$9,197$8,580$8,003$7,463$6,959$5,392
8 years$7,966$7,355$6,787$6,261$5,774$4,289
9 years$7,010$6,403$5,845$5,333$4,862$3,459
10 years$6,244$5,644$5,096$4,597$4,143$2,819
11 years$5,619$5,025$4,487$4,001$3,563$2,316
12 years$5,098$4,510$3,982$3,509$3,088$1,916
13 years$4,658$4,076$3,557$3,098$2,692$1,593
14 years$4,280$3,705$3,196$2,750$2,360$1,330
15 years$3,954$3,384$2,886$2,453$2,078$1,114
16 years$3,668$3,105$2,617$2,196$1,837$936
17 years$3,417$2,860$2,381$1,973$1,628$788
18 years$3,193$2,642$2,173$1,778$1,448$665
19 years$2,994$2,449$1,990$1,607$1,291$562
20 years$2,814$2,276$1,826$1,455$1,153$475
21 years$2,652$2,120$1,680$1,321$1,032$403
22 years$2,505$1,979$1,548$1,201$925$341
23 years$2,370$1,851$1,429$1,094$830$290
24 years$2,248$1,734$1,322$997$746$246
25 years$2,135$1,627$1,224$911$671$209
26 years$2,031$1,529$1,136$833$605$178
27 years$1,935$1,439$1,054$762$545$151
28 years$1,845$1,356$980$698$492$129
29 years$1,763$1,279$912$641$444$109
30 years$1,685$1,208$850$588$401$93
31 years$1,613$1,142$792$540$363$79
32 years$1,546$1,081$739$496$328$68
33 years$1,483$1,024$690$456$297$58
34 years$1,423$970$645$420$269$49
35 years$1,368$920$603$386$244$42
36 years$1,315$873$564$356$221$36
37 years$1,265$829$528$328$200$30
38 years$1,218$788$494$302$181$26
39 years$1,174$750$463$279$164$22
40 years$1,132$713$434$257$149$19
41 years$1,092$679$407$237$135$16
42 years$1,054$647$382$219$123$14
43 years$1,018$616$358$202$111$12
44 years$984$587$336$187$101$10
45 years$951$560$316$172$92$8
46 years$920$534$297$159$83$7
47 years$890$510$279$147$76$6
48 years$862$487$262$136$69$5
49 years$834$465$246$126$62$4
50 years$808$444$231$116$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $828,000, adding $5,490 every year, while hoping to spend $57,333 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: 56/30/14 Blend
51$828,000$828,000$828,000$828,000
52$918,119$874,235$861,401$965,914
53$950,765$856,071$829,256$980,794
54$984,820$835,095$794,113$990,271
55$1,020,366$811,109$755,810$999,268
56$1,057,493$783,903$714,180$1,007,751
57$1,096,299$753,255$669,046$1,015,685
58$1,136,887$718,930$620,224$1,023,033
59$1,179,371$680,680$567,524$1,029,760
60$1,223,874$638,240$510,743$1,035,830
61$1,270,529$591,334$449,672$1,041,206
62$1,319,480$539,666$384,094$1,045,855
63$1,370,884$482,927$313,778$1,049,742
64$1,424,910$420,787$238,486$1,052,834
65$1,481,745$352,899$157,969$1,055,100
66$1,541,589$278,897$71,966$1,056,512
67$1,604,661$198,393$0$1,057,044
68$1,671,200$110,978$0$1,059,633
69$1,741,466$16,220$0$1,072,967
70$1,815,744$0$0$1,086,315
71$1,894,342$0$0$1,128,218
72$1,977,598$0$0$1,178,312
73$2,065,884$0$0$1,231,468
74$2,159,601$0$0$1,287,935
75$2,259,191$0$0$1,347,983
76$2,365,139$0$0$1,411,909
77$2,477,971$0$0$1,480,039
78$2,598,267$0$0$1,552,728
79$2,726,661$0$0$1,630,365
80$2,863,848$0$0$1,713,377
81$3,010,588$0$0$1,802,234
82$3,167,717$0$0$1,897,448
83$3,336,149$0$0$1,999,582
84$3,516,889$0$0$2,109,255
85$3,711,038$0$0$2,227,144
86$3,919,807$0$0$2,353,995
87$4,144,523$0$0$2,490,624
88$4,386,644$0$0$2,637,930
89$4,647,772$0$0$2,796,899
90$4,929,667$0$0$2,968,615
91$5,234,261$0$0$3,154,268
92$5,563,679$0$0$3,355,167
93$5,920,257$0$0$3,572,753
94$6,306,561$0$0$3,808,605
95$6,725,416$0$0$4,064,465
96$7,179,925$0$0$4,342,245
97$7,673,502$0$0$4,644,049
98$8,209,903$0$0$4,972,193
99$8,793,258$0$0$5,329,223
100$9,428,112$0$0$5,717,940