Can I retire at age 52 with 830,000?

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 $830,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$68,541$67,930$67,334$66,753$66,185$64,429
2 years$33,931$33,299$32,687$32,093$31,517$29,759
3 years$22,396$21,761$21,150$20,562$19,996$18,292
4 years$16,630$15,997$15,392$14,814$14,261$12,625
5 years$13,171$12,542$11,945$11,378$10,841$9,276
6 years$10,865$10,241$9,653$9,099$8,578$7,087
7 years$9,220$8,601$8,022$7,481$6,976$5,558
8 years$7,986$7,372$6,803$6,276$5,788$4,442
9 years$7,026$6,419$5,860$5,346$4,874$3,600
10 years$6,260$5,658$5,109$4,608$4,153$2,949
11 years$5,633$5,037$4,497$4,010$3,572$2,435
12 years$5,110$4,521$3,991$3,518$3,095$2,025
13 years$4,669$4,086$3,566$3,105$2,699$1,692
14 years$4,291$3,714$3,204$2,757$2,366$1,421
15 years$3,963$3,393$2,893$2,458$2,083$1,197
16 years$3,677$3,113$2,623$2,201$1,841$1,011
17 years$3,425$2,867$2,387$1,978$1,632$856
18 years$3,201$2,649$2,179$1,782$1,451$727
19 years$3,001$2,455$1,995$1,611$1,294$618
20 years$2,821$2,281$1,830$1,459$1,156$526
21 years$2,658$2,125$1,684$1,324$1,034$448
22 years$2,511$1,983$1,552$1,204$927$383
23 years$2,376$1,855$1,433$1,096$832$327
24 years$2,253$1,738$1,325$1,000$748$279
25 years$2,140$1,631$1,227$913$673$239
26 years$2,036$1,533$1,138$835$606$204
27 years$1,939$1,443$1,057$764$547$175
28 years$1,850$1,359$983$700$493$150
29 years$1,767$1,283$914$642$445$128
30 years$1,690$1,211$852$589$402$110
31 years$1,617$1,145$794$541$364$94
32 years$1,550$1,083$741$497$329$81
33 years$1,486$1,026$692$457$298$69
34 years$1,427$972$646$421$270$59
35 years$1,371$922$604$387$244$51
36 years$1,318$875$565$357$221$44
37 years$1,268$831$529$329$201$38
38 years$1,221$790$495$303$182$32
39 years$1,177$751$464$279$165$28
40 years$1,135$715$435$258$150$24
41 years$1,095$680$408$238$136$20
42 years$1,057$648$383$219$123$17
43 years$1,021$617$359$203$112$15
44 years$986$589$337$187$101$13
45 years$953$561$317$173$92$11
46 years$922$535$297$160$84$9
47 years$892$511$279$147$76$8
48 years$864$488$262$136$69$7
49 years$836$466$247$126$63$6
50 years$810$445$232$116$57$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $830,000, adding $4,453 every year, while hoping to spend $55,237 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: 28/48/24 Blend
51$830,000$830,000$830,000$830,000
52$919,253$875,263$862,398$937,990
53$954,245$859,379$832,517$937,188
54$990,955$840,866$799,783$931,185
55$1,029,500$819,536$764,043$923,588
56$1,070,007$795,191$725,136$914,296
57$1,112,613$767,621$682,894$903,205
58$1,157,469$736,604$637,141$890,206
59$1,204,739$701,906$587,693$875,185
60$1,254,601$663,277$534,359$858,025
61$1,307,248$620,455$476,938$838,604
62$1,362,893$573,163$415,220$816,795
63$1,421,766$521,106$348,988$792,468
64$1,484,119$463,973$278,013$765,488
65$1,550,229$401,438$202,056$735,715
66$1,620,395$333,151$120,868$703,006
67$1,694,948$258,749$34,190$667,213
68$1,774,248$177,842$0$628,187
69$1,858,688$90,023$0$600,705
70$1,948,700$0$0$579,991
71$2,044,757$0$0$559,912
72$2,147,377$0$0$589,339
73$2,257,126$0$0$620,896
74$2,374,627$0$0$654,772
75$2,500,563$0$0$691,176
76$2,635,681$0$0$730,335
77$2,780,804$0$0$772,502
78$2,936,831$0$0$817,951
79$3,104,754$0$0$866,986
80$3,285,658$0$0$919,939
81$3,480,738$0$0$977,175
82$3,691,303$0$0$1,039,096
83$3,918,796$0$0$1,106,145
84$4,164,799$0$0$1,178,806
85$4,431,051$0$0$1,257,613
86$4,719,468$0$0$1,343,153
87$5,032,151$0$0$1,436,072
88$5,371,413$0$0$1,537,081
89$5,739,799$0$0$1,646,960
90$6,140,105$0$0$1,766,569
91$6,575,411$0$0$1,896,854
92$7,049,102$0$0$2,038,856
93$7,564,903$0$0$2,193,721
94$8,126,916$0$0$2,362,710
95$8,739,651$0$0$2,547,210
96$9,408,075$0$0$2,748,750
97$10,137,652$0$0$2,969,011
98$10,934,400$0$0$3,209,845
99$11,804,942$0$0$3,473,291
100$12,756,569$0$0$3,761,594