Can I retire at age 52 with 830,000?

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 $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%11.9%
1 years$68,541$67,930$67,334$66,753$66,185$65,658
2 years$33,931$33,299$32,687$32,093$31,517$30,985
3 years$22,396$21,761$21,150$20,562$19,996$19,476
4 years$16,630$15,997$15,392$14,814$14,261$13,758
5 years$13,171$12,542$11,945$11,378$10,841$10,356
6 years$10,865$10,241$9,653$9,099$8,578$8,111
7 years$9,220$8,601$8,022$7,481$6,976$6,528
8 years$7,986$7,372$6,803$6,276$5,788$5,358
9 years$7,026$6,419$5,860$5,346$4,874$4,463
10 years$6,260$5,658$5,109$4,608$4,153$3,760
11 years$5,633$5,037$4,497$4,010$3,572$3,196
12 years$5,110$4,521$3,991$3,518$3,095$2,737
13 years$4,669$4,086$3,566$3,105$2,699$2,358
14 years$4,291$3,714$3,204$2,757$2,366$2,042
15 years$3,963$3,393$2,893$2,458$2,083$1,775
16 years$3,677$3,113$2,623$2,201$1,841$1,549
17 years$3,425$2,867$2,387$1,978$1,632$1,356
18 years$3,201$2,649$2,179$1,782$1,451$1,190
19 years$3,001$2,455$1,995$1,611$1,294$1,046
20 years$2,821$2,281$1,830$1,459$1,156$922
21 years$2,658$2,125$1,684$1,324$1,034$814
22 years$2,511$1,983$1,552$1,204$927$719
23 years$2,376$1,855$1,433$1,096$832$636
24 years$2,253$1,738$1,325$1,000$748$564
25 years$2,140$1,631$1,227$913$673$500
26 years$2,036$1,533$1,138$835$606$444
27 years$1,939$1,443$1,057$764$547$394
28 years$1,850$1,359$983$700$493$350
29 years$1,767$1,283$914$642$445$312
30 years$1,690$1,211$852$589$402$277
31 years$1,617$1,145$794$541$364$247
32 years$1,550$1,083$741$497$329$220
33 years$1,486$1,026$692$457$298$196
34 years$1,427$972$646$421$270$175
35 years$1,371$922$604$387$244$156
36 years$1,318$875$565$357$221$139
37 years$1,268$831$529$329$201$124
38 years$1,221$790$495$303$182$111
39 years$1,177$751$464$279$165$99
40 years$1,135$715$435$258$150$88
41 years$1,095$680$408$238$136$79
42 years$1,057$648$383$219$123$70
43 years$1,021$617$359$203$112$63
44 years$986$589$337$187$101$56
45 years$953$561$317$173$92$50
46 years$922$535$297$160$84$45
47 years$892$511$279$147$76$40
48 years$864$488$262$136$69$36
49 years$836$466$247$126$63$32
50 years$810$445$232$116$57$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $830,000, adding $4,815 every year, while hoping to spend $22,804 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: 52/34/14 Blend
51$830,000$830,000$830,000$830,000
52$919,627$875,637$862,772$963,752
53$989,165$894,280$867,411$1,013,096
54$1,065,033$913,072$871,442$1,063,913
55$1,147,850$931,996$874,819$1,118,668
56$1,238,302$951,035$877,497$1,177,738
57$1,337,140$970,168$879,425$1,241,542
58$1,445,195$989,373$880,552$1,310,539
59$1,563,380$1,008,626$880,825$1,385,236
60$1,692,698$1,027,903$880,186$1,466,192
61$1,834,257$1,047,174$878,577$1,554,022
62$1,989,276$1,066,410$875,934$1,649,406
63$2,159,097$1,085,578$872,192$1,753,090
64$2,345,196$1,104,644$867,282$1,865,899
65$2,549,203$1,123,568$861,133$1,988,743
66$2,772,910$1,142,311$853,669$2,122,624
67$3,018,291$1,160,829$844,811$2,268,645
68$3,287,521$1,179,074$834,477$2,428,024
69$3,582,996$1,196,995$822,579$2,602,104
70$3,907,353$1,214,540$809,027$2,792,364
71$4,263,501$1,231,650$793,727$3,000,435
72$4,654,639$1,248,262$776,578$3,228,116
73$5,084,296$1,264,311$757,477$3,477,389
74$5,556,357$1,279,724$736,315$3,750,440
75$6,075,101$1,294,427$712,978$4,049,678
76$6,645,246$1,308,339$687,347$4,377,760
77$7,271,986$1,321,372$659,298$4,737,613
78$7,961,044$1,333,435$628,700$5,132,466
79$8,718,727$1,344,429$595,418$5,565,877
80$9,551,982$1,354,251$559,309$6,041,771
81$10,468,463$1,362,788$520,225$6,564,472
82$11,476,603$1,369,922$478,009$7,138,749
83$12,585,695$1,375,527$432,501$7,769,857
84$13,805,977$1,379,468$383,531$8,463,592
85$15,148,728$1,381,604$330,921$9,226,340
86$16,626,378$1,381,782$274,486$10,065,144
87$18,252,621$1,379,842$214,034$10,987,766
88$20,042,548$1,375,613$149,364$12,002,763
89$22,012,783$1,368,914$80,263$13,119,568
90$24,181,649$1,359,553$6,514$14,348,579
91$26,569,331$1,347,325$0$15,701,257
92$29,198,073$1,332,014$0$17,201,022
93$32,092,385$1,313,391$0$18,852,757
94$35,279,274$1,291,213$0$20,670,876
95$38,788,500$1,265,222$0$22,672,341
96$42,652,855$1,235,146$0$24,875,847
97$46,908,474$1,200,696$0$27,301,996
98$51,595,175$1,161,567$0$29,973,497
99$56,756,833$1,117,434$0$32,915,376
100$62,441,798$1,067,956$0$36,155,217