Can I retire at age 52 with 832,000?

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 $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%13%
1 years$68,706$68,094$67,497$66,914$66,345$65,516
2 years$34,013$33,379$32,765$32,170$31,593$30,759
3 years$22,450$21,814$21,201$20,612$20,044$19,230
4 years$16,670$16,035$15,429$14,850$14,295$13,509
5 years$13,202$12,572$11,974$11,406$10,867$10,110
6 years$10,892$10,266$9,677$9,121$8,599$7,872
7 years$9,242$8,621$8,041$7,499$6,993$6,297
8 years$8,005$7,390$6,820$6,291$5,801$5,136
9 years$7,043$6,434$5,874$5,358$4,886$4,250
10 years$6,275$5,672$5,121$4,619$4,163$3,557
11 years$5,646$5,049$4,508$4,020$3,580$3,003
12 years$5,123$4,532$4,001$3,526$3,103$2,554
13 years$4,680$4,095$3,575$3,113$2,705$2,185
14 years$4,301$3,723$3,212$2,763$2,372$1,878
15 years$3,973$3,401$2,900$2,464$2,088$1,621
16 years$3,686$3,120$2,629$2,207$1,845$1,404
17 years$3,433$2,873$2,392$1,983$1,636$1,219
18 years$3,209$2,655$2,184$1,787$1,455$1,061
19 years$3,008$2,461$1,999$1,614$1,297$926
20 years$2,828$2,287$1,835$1,462$1,158$809
21 years$2,665$2,130$1,688$1,327$1,037$709
22 years$2,517$1,988$1,555$1,207$929$621
23 years$2,382$1,860$1,436$1,099$834$545
24 years$2,258$1,742$1,328$1,002$750$479
25 years$2,145$1,635$1,230$915$675$421
26 years$2,041$1,537$1,141$837$608$370
27 years$1,944$1,446$1,060$766$548$326
28 years$1,854$1,363$985$702$494$287
29 years$1,771$1,286$917$644$446$253
30 years$1,694$1,214$854$591$403$223
31 years$1,621$1,148$796$542$365$197
32 years$1,553$1,086$743$499$330$174
33 years$1,490$1,028$693$458$299$154
34 years$1,430$975$648$422$270$136
35 years$1,374$925$606$388$245$120
36 years$1,321$878$567$358$222$106
37 years$1,272$833$530$330$201$94
38 years$1,224$792$497$304$182$83
39 years$1,180$753$465$280$165$73
40 years$1,137$717$436$258$150$65
41 years$1,097$682$409$238$136$57
42 years$1,059$650$384$220$123$51
43 years$1,023$619$360$203$112$45
44 years$989$590$338$187$102$40
45 years$956$563$317$173$92$35
46 years$924$537$298$160$84$31
47 years$894$512$280$148$76$27
48 years$866$489$263$137$69$24
49 years$838$467$247$126$63$21
50 years$812$446$232$117$57$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $832,000, adding $2,971 every year, while hoping to spend $59,398 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: 42/47/11 Blend
51$832,000$832,000$832,000$832,000
52$919,929$875,833$862,937$955,481
53$950,562$855,549$828,646$960,370
54$982,330$832,282$791,216$959,485
55$1,015,284$805,820$750,478$957,203
56$1,049,482$775,944$706,258$953,421
57$1,084,983$742,419$658,371$948,031
58$1,121,851$704,997$606,627$940,920
59$1,160,155$663,417$550,824$931,966
60$1,199,968$617,402$490,754$921,044
61$1,241,369$566,659$426,198$908,021
62$1,284,441$510,878$356,928$892,757
63$1,329,275$449,731$282,706$875,106
64$1,375,967$382,874$203,283$854,914
65$1,424,621$309,941$118,399$832,020
66$1,475,350$230,546$27,783$806,254
67$1,528,274$144,281$0$777,440
68$1,583,523$50,716$0$753,481
69$1,641,238$0$0$730,100
70$1,701,569$0$0$730,038
71$1,764,682$0$0$757,437
72$1,830,752$0$0$786,149
73$1,899,974$0$0$816,259
74$1,972,554$0$0$847,864
75$2,048,719$0$0$881,065
76$2,128,714$0$0$915,974
77$2,212,806$0$0$952,713
78$2,301,285$0$0$991,414
79$2,394,466$0$0$1,032,219
80$2,492,692$0$0$1,075,288
81$2,596,339$0$0$1,120,789
82$2,705,813$0$0$1,168,909
83$2,821,560$0$0$1,219,853
84$2,944,065$0$0$1,273,842
85$3,073,859$0$0$1,331,119
86$3,211,521$0$0$1,391,950
87$3,357,685$0$0$1,456,624
88$3,513,044$0$0$1,525,461
89$3,678,354$0$0$1,598,807
90$3,854,446$0$0$1,677,043
91$4,042,227$0$0$1,760,587
92$4,242,693$0$0$1,849,896
93$4,456,934$0$0$1,945,470
94$4,686,144$0$0$2,047,860
95$4,931,633$0$0$2,157,669
96$5,194,839$0$0$2,275,557
97$5,477,337$0$0$2,402,250
98$5,780,857$0$0$2,538,546
99$6,107,299$0$0$2,685,319
100$6,458,747$0$0$2,843,530