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%11.3%
1 years$68,706$68,094$67,497$66,914$66,345$65,982
2 years$34,013$33,379$32,765$32,170$31,593$31,227
3 years$22,450$21,814$21,201$20,612$20,044$19,686
4 years$16,670$16,035$15,429$14,850$14,295$13,948
5 years$13,202$12,572$11,974$11,406$10,867$10,532
6 years$10,892$10,266$9,677$9,121$8,599$8,276
7 years$9,242$8,621$8,041$7,499$6,993$6,682
8 years$8,005$7,390$6,820$6,291$5,801$5,503
9 years$7,043$6,434$5,874$5,358$4,886$4,600
10 years$6,275$5,672$5,121$4,619$4,163$3,889
11 years$5,646$5,049$4,508$4,020$3,580$3,319
12 years$5,123$4,532$4,001$3,526$3,103$2,853
13 years$4,680$4,095$3,575$3,113$2,705$2,467
14 years$4,301$3,723$3,212$2,763$2,372$2,145
15 years$3,973$3,401$2,900$2,464$2,088$1,872
16 years$3,686$3,120$2,629$2,207$1,845$1,640
17 years$3,433$2,873$2,392$1,983$1,636$1,442
18 years$3,209$2,655$2,184$1,787$1,455$1,270
19 years$3,008$2,461$1,999$1,614$1,297$1,122
20 years$2,828$2,287$1,835$1,462$1,158$993
21 years$2,665$2,130$1,688$1,327$1,037$880
22 years$2,517$1,988$1,555$1,207$929$781
23 years$2,382$1,860$1,436$1,099$834$695
24 years$2,258$1,742$1,328$1,002$750$618
25 years$2,145$1,635$1,230$915$675$551
26 years$2,041$1,537$1,141$837$608$491
27 years$1,944$1,446$1,060$766$548$438
28 years$1,854$1,363$985$702$494$392
29 years$1,771$1,286$917$644$446$350
30 years$1,694$1,214$854$591$403$313
31 years$1,621$1,148$796$542$365$280
32 years$1,553$1,086$743$499$330$251
33 years$1,490$1,028$693$458$299$224
34 years$1,430$975$648$422$270$201
35 years$1,374$925$606$388$245$180
36 years$1,321$878$567$358$222$161
37 years$1,272$833$530$330$201$145
38 years$1,224$792$497$304$182$130
39 years$1,180$753$465$280$165$116
40 years$1,137$717$436$258$150$104
41 years$1,097$682$409$238$136$94
42 years$1,059$650$384$220$123$84
43 years$1,023$619$360$203$112$75
44 years$989$590$338$187$102$68
45 years$956$563$317$173$92$61
46 years$924$537$298$160$84$55
47 years$894$512$280$148$76$49
48 years$866$489$263$137$69$44
49 years$838$467$247$126$63$39
50 years$812$446$232$117$57$35

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $832,000, adding $6,203 every year, while hoping to spend $31,677 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: 70/16/14 Blend
51$832,000$832,000$832,000$832,000
52$923,262$879,166$866,270$984,568
53$983,731$888,541$861,586$1,035,475
54$1,049,306$897,314$855,684$1,086,767
55$1,120,474$905,422$848,488$1,142,077
56$1,197,772$912,797$839,922$1,201,798
57$1,281,789$919,368$829,904$1,266,360
58$1,373,174$925,060$818,348$1,336,239
59$1,472,640$929,790$805,165$1,411,957
60$1,580,974$933,474$790,262$1,494,095
61$1,699,038$936,019$773,541$1,583,288
62$1,827,783$937,328$754,898$1,680,239
63$1,968,258$937,297$734,228$1,785,723
64$2,121,613$935,818$711,417$1,900,594
65$2,289,117$932,772$686,349$2,025,793
66$2,472,166$928,037$658,901$2,162,361
67$2,672,297$921,481$628,945$2,311,440
68$2,891,203$912,965$596,346$2,474,296
69$3,130,746$902,341$560,964$2,652,319
70$3,392,979$889,453$522,653$2,847,045
71$3,680,162$874,134$481,260$3,060,168
72$3,994,781$856,210$436,625$3,293,555
73$4,339,577$835,493$388,581$3,549,263
74$4,717,569$811,787$336,953$3,829,562
75$5,132,079$784,883$281,560$4,136,956
76$5,586,770$754,560$222,210$4,474,204
77$6,085,671$720,585$158,705$4,844,348
78$6,633,226$682,710$90,838$5,250,743
79$7,234,327$640,674$18,393$5,697,087
80$7,894,361$594,200$0$6,187,460
81$8,619,267$542,997$0$6,735,159
82$9,415,582$486,754$0$7,339,843
83$10,290,512$425,145$0$8,004,265
84$11,251,993$357,826$0$8,734,489
85$12,308,769$284,432$0$9,537,198
86$13,470,471$204,577$0$10,419,758
87$14,747,712$117,854$0$11,390,287
88$16,152,184$23,835$0$12,457,732
89$17,696,769$0$0$13,631,953
90$19,395,659$0$0$14,937,539
91$21,264,492$0$0$16,378,391
92$23,320,495$0$0$17,963,604
93$25,582,651$0$0$19,707,818
94$28,071,877$0$0$21,627,167
95$30,811,218$0$0$23,739,429
96$33,826,065$0$0$26,064,190
97$37,144,398$0$0$28,623,031
98$40,797,046$0$0$31,439,733
99$44,817,977$0$0$34,540,499
100$49,244,621$0$0$37,954,202