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%11.3%
1 years$68,541$67,930$67,334$66,753$66,185$65,823
2 years$33,931$33,299$32,687$32,093$31,517$31,152
3 years$22,396$21,761$21,150$20,562$19,996$19,638
4 years$16,630$15,997$15,392$14,814$14,261$13,915
5 years$13,171$12,542$11,945$11,378$10,841$10,506
6 years$10,865$10,241$9,653$9,099$8,578$8,256
7 years$9,220$8,601$8,022$7,481$6,976$6,666
8 years$7,986$7,372$6,803$6,276$5,788$5,490
9 years$7,026$6,419$5,860$5,346$4,874$4,589
10 years$6,260$5,658$5,109$4,608$4,153$3,880
11 years$5,633$5,037$4,497$4,010$3,572$3,311
12 years$5,110$4,521$3,991$3,518$3,095$2,846
13 years$4,669$4,086$3,566$3,105$2,699$2,461
14 years$4,291$3,714$3,204$2,757$2,366$2,140
15 years$3,963$3,393$2,893$2,458$2,083$1,868
16 years$3,677$3,113$2,623$2,201$1,841$1,636
17 years$3,425$2,867$2,387$1,978$1,632$1,438
18 years$3,201$2,649$2,179$1,782$1,451$1,267
19 years$3,001$2,455$1,995$1,611$1,294$1,119
20 years$2,821$2,281$1,830$1,459$1,156$990
21 years$2,658$2,125$1,684$1,324$1,034$878
22 years$2,511$1,983$1,552$1,204$927$780
23 years$2,376$1,855$1,433$1,096$832$693
24 years$2,253$1,738$1,325$1,000$748$617
25 years$2,140$1,631$1,227$913$673$550
26 years$2,036$1,533$1,138$835$606$490
27 years$1,939$1,443$1,057$764$547$437
28 years$1,850$1,359$983$700$493$391
29 years$1,767$1,283$914$642$445$349
30 years$1,690$1,211$852$589$402$312
31 years$1,617$1,145$794$541$364$279
32 years$1,550$1,083$741$497$329$250
33 years$1,486$1,026$692$457$298$224
34 years$1,427$972$646$421$270$201
35 years$1,371$922$604$387$244$180
36 years$1,318$875$565$357$221$161
37 years$1,268$831$529$329$201$144
38 years$1,221$790$495$303$182$129
39 years$1,177$751$464$279$165$116
40 years$1,135$715$435$258$150$104
41 years$1,095$680$408$238$136$93
42 years$1,057$648$383$219$123$84
43 years$1,021$617$359$203$112$75
44 years$986$589$337$187$101$68
45 years$953$561$317$173$92$61
46 years$922$535$297$160$84$54
47 years$892$511$279$147$76$49
48 years$864$488$262$136$69$44
49 years$836$466$247$126$63$39
50 years$810$445$232$116$57$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $830,000, adding $3,643 every year, while hoping to spend $21,243 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: 60/10/30 Blend
51$830,000$830,000$830,000$830,000
52$918,418$874,428$861,563$965,827
53$989,494$894,672$867,823$1,018,894
54$1,067,108$915,197$873,580$1,074,205
55$1,151,904$935,993$878,797$1,134,127
56$1,244,592$957,050$883,430$1,199,115
57$1,345,953$978,358$887,437$1,269,672
58$1,456,846$999,904$890,773$1,346,351
59$1,578,220$1,021,674$893,388$1,429,761
60$1,711,115$1,043,653$895,234$1,520,575
61$1,856,682$1,065,825$896,257$1,619,533
62$2,016,183$1,088,171$896,402$1,727,454
63$2,191,013$1,110,670$895,611$1,845,238
64$2,382,705$1,133,301$893,822$1,973,878
65$2,592,947$1,156,039$890,971$2,114,468
66$2,823,602$1,178,859$886,993$2,268,216
67$3,076,717$1,201,731$881,815$2,436,451
68$3,354,551$1,224,625$875,365$2,620,640
69$3,659,591$1,247,507$867,565$2,822,401
70$3,994,575$1,270,341$858,334$3,043,515
71$4,362,522$1,293,087$847,588$3,285,947
72$4,766,754$1,315,704$835,238$3,551,864
73$5,210,935$1,338,146$821,190$3,843,652
74$5,699,099$1,360,363$805,348$4,163,946
75$6,235,689$1,382,303$787,610$4,515,645
76$6,825,603$1,403,910$767,869$4,901,949
77$7,474,236$1,425,122$746,013$5,326,385
78$8,187,530$1,445,876$721,927$5,792,838
79$8,972,035$1,466,100$695,488$6,305,594
80$9,834,964$1,485,720$666,568$6,869,376
81$10,784,267$1,504,657$635,035$7,489,390
82$11,828,702$1,522,825$600,749$8,171,375
83$12,977,919$1,540,134$563,564$8,921,657
84$14,242,552$1,556,485$523,328$9,747,210
85$15,634,314$1,571,775$479,882$10,655,719
86$17,166,116$1,585,894$433,059$11,655,656
87$18,852,181$1,598,723$382,687$12,756,361
88$20,708,180$1,610,137$328,584$13,968,125
89$22,751,383$1,620,002$270,560$15,302,296
90$25,000,818$1,628,177$208,418$16,771,379
91$27,477,452$1,634,508$141,951$18,389,156
92$30,204,390$1,638,837$70,944$20,170,822
93$33,207,089$1,640,991$0$22,133,121
94$36,513,601$1,640,789$0$24,296,057
95$40,154,838$1,638,037$0$26,702,760
96$44,164,862$1,632,532$0$29,352,998
97$48,581,208$1,624,055$0$32,271,564
98$53,445,233$1,612,376$0$35,485,781
99$58,802,514$1,597,250$0$39,025,756
100$64,703,273$1,578,418$0$42,924,669