Can I retire at age 52 with 831,000?

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 $831,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$68,623$68,012$67,416$66,833$66,265$65,329
2 years$33,972$33,339$32,726$32,131$31,555$30,613
3 years$22,423$21,788$21,176$20,587$20,020$19,102
4 years$16,650$16,016$15,411$14,832$14,278$13,392
5 years$13,187$12,557$11,959$11,392$10,854$10,001
6 years$10,879$10,254$9,665$9,110$8,588$7,771
7 years$9,231$8,611$8,032$7,490$6,985$6,202
8 years$7,995$7,381$6,811$6,283$5,794$5,047
9 years$7,035$6,427$5,867$5,352$4,880$4,166
10 years$6,267$5,665$5,115$4,613$4,158$3,478
11 years$5,639$5,043$4,503$4,015$3,576$2,930
12 years$5,117$4,526$3,996$3,522$3,099$2,485
13 years$4,674$4,090$3,570$3,109$2,702$2,121
14 years$4,296$3,718$3,208$2,760$2,369$1,818
15 years$3,968$3,397$2,896$2,461$2,086$1,565
16 years$3,682$3,116$2,626$2,204$1,843$1,351
17 years$3,429$2,870$2,390$1,980$1,634$1,170
18 years$3,205$2,652$2,181$1,785$1,453$1,016
19 years$3,004$2,458$1,997$1,613$1,295$884
20 years$2,824$2,284$1,833$1,460$1,157$770
21 years$2,662$2,127$1,686$1,325$1,035$672
22 years$2,514$1,986$1,554$1,205$928$587
23 years$2,379$1,857$1,435$1,098$833$514
24 years$2,256$1,740$1,327$1,001$749$450
25 years$2,142$1,633$1,229$914$674$394
26 years$2,038$1,535$1,140$836$607$346
27 years$1,942$1,444$1,058$765$547$304
28 years$1,852$1,361$984$701$494$267
29 years$1,769$1,284$915$643$446$234
30 years$1,692$1,213$853$590$403$206
31 years$1,619$1,146$795$542$364$181
32 years$1,552$1,085$742$498$329$159
33 years$1,488$1,027$693$458$298$140
34 years$1,429$974$647$421$270$123
35 years$1,373$923$605$388$244$109
36 years$1,320$876$566$357$222$96
37 years$1,270$832$530$329$201$84
38 years$1,223$791$496$303$182$74
39 years$1,178$752$465$280$165$65
40 years$1,136$716$436$258$150$58
41 years$1,096$681$408$238$136$51
42 years$1,058$649$383$220$123$45
43 years$1,022$618$360$203$112$39
44 years$987$589$337$187$102$35
45 years$955$562$317$173$92$31
46 years$923$536$298$160$84$27
47 years$893$512$280$148$76$24
48 years$865$488$263$136$69$21
49 years$837$466$247$126$63$18
50 years$811$445$232$116$57$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $831,000, adding $4,681 every year, while hoping to spend $31,569 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: 65/18/17 Blend
51$831,000$831,000$831,000$831,000
52$920,590$876,547$863,667$976,280
53$980,902$885,909$859,011$1,023,535
54$1,046,306$894,671$853,140$1,071,094
55$1,117,291$902,772$845,982$1,122,300
56$1,194,390$910,143$837,458$1,177,511
57$1,278,192$916,715$827,487$1,237,122
58$1,369,345$922,410$815,984$1,301,565
59$1,468,559$927,149$802,861$1,371,321
60$1,576,618$930,846$788,023$1,446,918
61$1,694,385$933,410$771,374$1,528,940
62$1,822,809$934,743$752,811$1,618,030
63$1,962,932$934,742$732,228$1,714,897
64$2,115,906$933,299$709,512$1,820,325
65$2,282,994$930,297$684,547$1,935,177
66$2,465,591$925,613$657,210$2,060,408
67$2,665,229$919,115$627,374$2,197,068
68$2,883,597$910,666$594,905$2,346,317
69$3,122,553$900,118$559,664$2,509,434
70$3,384,145$887,316$521,505$2,687,831
71$3,670,627$872,093$480,274$2,883,064
72$3,984,481$854,276$435,813$3,096,851
73$4,328,440$833,678$387,955$3,331,086
74$4,705,516$810,103$336,527$3,587,858
75$5,119,025$783,344$281,347$3,869,470
76$5,572,618$753,181$222,224$4,178,465
77$6,070,318$719,380$158,962$4,517,645
78$6,616,556$681,695$91,353$4,890,102
79$7,216,214$639,867$19,182$5,299,244
80$7,874,666$593,619$0$5,748,831
81$8,597,837$542,661$0$6,253,501
82$9,392,249$486,684$0$6,811,730
83$10,265,090$425,364$0$7,425,121
84$11,224,279$358,356$0$8,099,280
85$12,278,537$285,297$0$8,840,388
86$13,437,475$205,804$0$9,655,255
87$14,711,681$119,472$0$10,551,388
88$16,112,818$25,872$0$11,537,061
89$17,653,739$0$0$12,621,394
90$19,348,602$0$0$13,829,383
91$21,213,008$0$0$15,163,911
92$23,264,145$0$0$16,632,165
93$25,520,951$0$0$18,247,709
94$28,004,293$0$0$20,025,490
95$30,737,163$0$0$21,981,974
96$33,744,893$0$0$24,135,306
97$37,055,396$0$0$26,505,481
98$40,699,430$0$0$29,114,527
99$44,710,882$0$0$31,986,718
100$49,127,097$0$0$35,148,803