Can I retire at age 52 with 829,000?

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 $829,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$68,458$67,848$67,253$66,673$66,106$63,913
2 years$33,890$33,259$32,647$32,054$31,479$29,291
3 years$22,369$21,735$21,125$20,537$19,971$17,857
4 years$16,610$15,978$15,374$14,796$14,244$12,219
5 years$13,155$12,527$11,930$11,365$10,828$8,898
6 years$10,852$10,229$9,642$9,089$8,568$6,735
7 years$9,208$8,590$8,012$7,472$6,968$5,232
8 years$7,976$7,363$6,795$6,268$5,781$4,139
9 years$7,018$6,411$5,853$5,339$4,868$3,320
10 years$6,252$5,651$5,102$4,602$4,148$2,691
11 years$5,626$5,031$4,492$4,005$3,567$2,198
12 years$5,104$4,515$3,987$3,513$3,091$1,807
13 years$4,663$4,081$3,562$3,102$2,696$1,493
14 years$4,286$3,709$3,200$2,753$2,363$1,239
15 years$3,959$3,388$2,889$2,456$2,081$1,031
16 years$3,673$3,109$2,620$2,199$1,839$861
17 years$3,421$2,863$2,384$1,975$1,630$720
18 years$3,197$2,646$2,176$1,780$1,450$603
19 years$2,997$2,452$1,992$1,609$1,292$506
20 years$2,818$2,278$1,828$1,457$1,154$426
21 years$2,655$2,122$1,682$1,322$1,033$358
22 years$2,508$1,981$1,550$1,202$926$301
23 years$2,373$1,853$1,431$1,095$831$254
24 years$2,250$1,736$1,323$999$747$214
25 years$2,137$1,629$1,226$912$672$181
26 years$2,033$1,531$1,137$834$605$152
27 years$1,937$1,441$1,056$763$546$129
28 years$1,848$1,358$981$699$493$109
29 years$1,765$1,281$913$641$445$92
30 years$1,687$1,210$851$589$402$78
31 years$1,615$1,144$793$541$363$66
32 years$1,548$1,082$740$497$329$55
33 years$1,485$1,025$691$457$297$47
34 years$1,425$971$646$420$269$40
35 years$1,369$921$604$387$244$34
36 years$1,317$874$565$356$221$28
37 years$1,267$830$528$328$200$24
38 years$1,220$789$495$303$182$20
39 years$1,176$750$464$279$165$17
40 years$1,133$714$435$257$149$15
41 years$1,093$680$407$237$136$12
42 years$1,055$647$382$219$123$10
43 years$1,019$617$359$202$112$9
44 years$985$588$337$187$101$7
45 years$952$561$316$173$92$6
46 years$921$535$297$159$83$5
47 years$891$510$279$147$76$4
48 years$863$487$262$136$69$4
49 years$835$465$246$126$63$3
50 years$809$444$232$116$57$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $829,000, adding $2,999 every year, while hoping to spend $34,835 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: 61/10/29 Blend
51$829,000$829,000$829,000$829,000
52$916,651$872,714$859,865$965,216
53$973,086$878,413$851,606$1,004,360
54$1,034,109$883,224$841,903$1,043,067
55$1,100,152$887,066$830,671$1,084,592
56$1,171,689$889,854$817,820$1,129,217
57$1,249,242$891,497$803,258$1,177,256
58$1,333,383$891,899$786,886$1,229,054
59$1,424,744$890,958$768,602$1,284,994
60$1,524,017$888,563$748,299$1,345,499
61$1,631,965$884,601$725,865$1,411,036
62$1,749,427$878,949$701,184$1,482,122
63$1,877,327$871,476$674,132$1,559,326
64$2,016,681$862,045$644,582$1,643,279
65$2,168,607$850,510$612,400$1,734,677
66$2,334,336$836,715$577,446$1,834,290
67$2,515,221$820,498$539,574$1,942,967
68$2,712,755$801,683$498,630$2,061,646
69$2,928,577$780,087$454,456$2,191,364
70$3,164,496$755,515$406,885$2,333,266
71$3,422,501$727,762$355,741$2,488,614
72$3,704,782$696,608$300,844$2,658,804
73$4,013,751$661,823$242,004$2,845,376
74$4,352,063$623,162$179,021$3,050,031
75$4,722,644$580,368$111,689$3,274,646
76$5,128,715$533,166$39,791$3,521,292
77$5,573,822$481,270$0$3,792,256
78$6,061,873$424,373$0$4,101,491
79$6,597,169$362,152$0$4,454,236
80$7,184,451$294,268$0$4,841,315
81$7,828,938$220,360$0$5,266,198
82$8,536,380$140,049$0$5,732,710
83$9,313,112$52,932$0$6,245,067
84$10,166,110$0$0$6,807,912
85$11,103,060$0$0$7,430,923
86$12,132,430$0$0$8,121,854
87$13,263,546$0$0$8,881,147
88$14,506,684$0$0$9,715,712
89$15,873,166$0$0$10,633,155
90$17,375,463$0$0$11,641,860
91$19,027,316$0$0$12,751,063
92$20,843,864$0$0$13,970,940
93$22,841,787$0$0$15,312,701
94$25,039,461$0$0$16,788,698
95$27,457,134$0$0$18,412,541
96$30,117,114$0$0$20,199,225
97$33,043,982$0$0$22,165,272
98$36,264,821$0$0$24,328,886
99$39,809,471$0$0$26,710,126
100$43,710,813$0$0$29,331,092