Can I retire at age 52 with 832,000?

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 $832,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$68,706$68,094$67,497$66,914$66,345$63,839
2 years$34,013$33,379$32,765$32,170$31,593$29,097
3 years$22,450$21,814$21,201$20,612$20,044$17,637
4 years$16,670$16,035$15,429$14,850$14,295$11,996
5 years$13,202$12,572$11,974$11,406$10,867$8,680
6 years$10,892$10,266$9,677$9,121$8,599$6,527
7 years$9,242$8,621$8,041$7,499$6,993$5,035
8 years$8,005$7,390$6,820$6,291$5,801$3,956
9 years$7,043$6,434$5,874$5,358$4,886$3,150
10 years$6,275$5,672$5,121$4,619$4,163$2,533
11 years$5,646$5,049$4,508$4,020$3,580$2,053
12 years$5,123$4,532$4,001$3,526$3,103$1,675
13 years$4,680$4,095$3,575$3,113$2,705$1,372
14 years$4,301$3,723$3,212$2,763$2,372$1,129
15 years$3,973$3,401$2,900$2,464$2,088$932
16 years$3,686$3,120$2,629$2,207$1,845$771
17 years$3,433$2,873$2,392$1,983$1,636$639
18 years$3,209$2,655$2,184$1,787$1,455$531
19 years$3,008$2,461$1,999$1,614$1,297$442
20 years$2,828$2,287$1,835$1,462$1,158$368
21 years$2,665$2,130$1,688$1,327$1,037$306
22 years$2,517$1,988$1,555$1,207$929$256
23 years$2,382$1,860$1,436$1,099$834$213
24 years$2,258$1,742$1,328$1,002$750$178
25 years$2,145$1,635$1,230$915$675$149
26 years$2,041$1,537$1,141$837$608$124
27 years$1,944$1,446$1,060$766$548$104
28 years$1,854$1,363$985$702$494$87
29 years$1,771$1,286$917$644$446$73
30 years$1,694$1,214$854$591$403$61
31 years$1,621$1,148$796$542$365$51
32 years$1,553$1,086$743$499$330$43
33 years$1,490$1,028$693$458$299$36
34 years$1,430$975$648$422$270$30
35 years$1,374$925$606$388$245$25
36 years$1,321$878$567$358$222$21
37 years$1,272$833$530$330$201$18
38 years$1,224$792$497$304$182$15
39 years$1,180$753$465$280$165$12
40 years$1,137$717$436$258$150$10
41 years$1,097$682$409$238$136$9
42 years$1,059$650$384$220$123$7
43 years$1,023$619$360$203$112$6
44 years$989$590$338$187$102$5
45 years$956$563$317$173$92$4
46 years$924$537$298$160$84$4
47 years$894$512$280$148$76$3
48 years$866$489$263$137$69$2
49 years$838$467$247$126$63$2
50 years$812$446$232$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $832,000, adding $4,364 every year, while hoping to spend $44,391 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: 32/39/29 Blend
51$832,000$832,000$832,000$832,000
52$921,365$877,269$864,373$942,599
53$968,113$873,024$846,098$955,050
54$1,018,141$867,083$825,723$964,246
55$1,071,737$859,316$803,131$973,291
56$1,129,217$849,585$778,198$982,205
57$1,190,928$837,745$750,798$991,010
58$1,257,248$823,640$720,795$999,738
59$1,328,595$807,106$688,050$1,008,427
60$1,405,428$787,971$652,416$1,017,123
61$1,488,250$766,049$613,740$1,025,882
62$1,577,612$741,146$571,861$1,034,773
63$1,674,123$713,057$526,613$1,043,874
64$1,778,449$681,562$477,819$1,053,279
65$1,891,323$646,431$425,299$1,063,098
66$2,013,552$607,420$368,861$1,073,458
67$2,146,022$564,271$308,305$1,084,507
68$2,289,706$516,711$243,424$1,096,414
69$2,445,678$464,451$174,000$1,109,374
70$2,615,115$407,187$99,807$1,123,611
71$2,799,314$344,597$20,607$1,139,378
72$2,999,701$276,339$0$1,156,965
73$3,217,846$202,054$0$1,196,479
74$3,455,474$121,364$0$1,246,606
75$3,714,488$33,865$0$1,301,468
76$3,996,977$0$0$1,361,629
77$4,305,243$0$0$1,453,837
78$4,641,822$0$0$1,570,501
79$5,009,500$0$0$1,698,068
80$5,411,350$0$0$1,837,619
81$5,850,750$0$0$1,990,344
82$6,331,425$0$0$2,157,554
83$6,857,470$0$0$2,340,691
84$7,433,400$0$0$2,541,345
85$8,064,184$0$0$2,761,265
86$8,755,293$0$0$3,002,379
87$9,512,756$0$0$3,266,811
88$10,343,209$0$0$3,556,897
89$11,253,963$0$0$3,875,214
90$12,253,070$0$0$4,224,597
91$13,349,398$0$0$4,608,172
92$14,552,718$0$0$5,029,381
93$15,873,789$0$0$5,492,015
94$17,324,465$0$0$6,000,251
95$18,917,804$0$0$6,558,691
96$20,668,190$0$0$7,172,404
97$22,591,470$0$0$7,846,975
98$24,705,101$0$0$8,588,556
99$27,028,315$0$0$9,403,925
100$29,582,300$0$0$10,300,551