Can I retire at age 52 with 794,000?

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 $794,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$65,568$64,984$64,414$63,858$63,315$61,020
2 years$32,459$31,855$31,269$30,701$30,150$27,863
3 years$21,425$20,817$20,233$19,670$19,128$16,921
4 years$15,908$15,303$14,724$14,171$13,642$11,532
5 years$12,599$11,998$11,427$10,885$10,371$8,363
6 years$10,394$9,797$9,235$8,705$8,206$6,302
7 years$8,820$8,228$7,674$7,157$6,674$4,873
8 years$7,639$7,053$6,508$6,004$5,536$3,837
9 years$6,722$6,141$5,605$5,114$4,663$3,063
10 years$5,988$5,413$4,887$4,408$3,973$2,470
11 years$5,388$4,818$4,302$3,836$3,417$2,007
12 years$4,889$4,325$3,818$3,365$2,961$1,641
13 years$4,466$3,908$3,411$2,971$2,582$1,349
14 years$4,105$3,553$3,065$2,637$2,263$1,113
15 years$3,791$3,245$2,767$2,352$1,993$921
16 years$3,518$2,978$2,509$2,106$1,761$764
17 years$3,276$2,742$2,283$1,892$1,562$635
18 years$3,062$2,534$2,084$1,705$1,389$529
19 years$2,871$2,348$1,908$1,541$1,238$442
20 years$2,699$2,182$1,751$1,395$1,105$369
21 years$2,543$2,033$1,611$1,266$989$308
22 years$2,402$1,897$1,484$1,151$887$258
23 years$2,273$1,775$1,371$1,049$796$216
24 years$2,155$1,663$1,268$956$715$181
25 years$2,047$1,560$1,174$873$644$152
26 years$1,947$1,467$1,089$799$580$127
27 years$1,855$1,380$1,011$731$523$107
28 years$1,770$1,301$940$670$472$90
29 years$1,690$1,227$875$614$426$75
30 years$1,616$1,159$815$564$385$63
31 years$1,547$1,095$760$518$348$53
32 years$1,483$1,036$709$476$315$45
33 years$1,422$981$662$438$285$37
34 years$1,365$930$618$403$258$31
35 years$1,312$882$578$371$234$26
36 years$1,261$837$541$341$212$22
37 years$1,213$795$506$314$192$19
38 years$1,168$756$474$290$174$16
39 years$1,126$719$444$267$158$13
40 years$1,086$684$416$247$143$11
41 years$1,047$651$390$227$130$9
42 years$1,011$620$366$210$118$8
43 years$976$591$344$194$107$7
44 years$943$563$322$179$97$6
45 years$912$537$303$165$88$5
46 years$882$512$284$153$80$4
47 years$854$489$267$141$73$3
48 years$826$467$251$130$66$3
49 years$800$446$236$120$60$2
50 years$775$426$222$111$54$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $794,000, adding $5,899 every year, while hoping to spend $25,939 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: 58/12/30 Blend
51$794,000$794,000$794,000$794,000
52$881,073$838,991$826,684$924,615
53$943,343$852,502$826,779$968,676
54$1,011,096$865,807$826,008$1,013,481
55$1,084,863$878,866$824,314$1,061,816
56$1,165,229$891,641$821,638$1,114,031
57$1,252,838$904,087$817,919$1,170,512
58$1,348,399$916,159$813,091$1,231,688
59$1,452,692$927,807$807,086$1,298,029
60$1,566,576$938,979$799,833$1,370,055
61$1,690,996$949,618$791,256$1,448,340
62$1,826,993$959,664$781,278$1,533,518
63$1,975,712$969,054$769,817$1,626,288
64$2,138,415$977,718$756,786$1,727,421
65$2,316,490$985,583$742,096$1,837,767
66$2,511,468$992,573$725,652$1,958,265
67$2,725,033$998,604$707,356$2,089,951
68$2,959,039$1,003,588$687,106$2,233,968
69$3,215,530$1,007,433$664,792$2,391,577
70$3,496,755$1,010,037$640,303$2,564,167
71$3,805,192$1,011,297$613,521$2,753,272
72$4,143,569$1,011,099$584,323$2,960,586
73$4,514,895$1,009,324$552,579$3,187,974
74$4,922,479$1,005,846$518,155$3,437,496
75$5,369,969$1,000,529$480,910$3,711,422
76$5,861,383$993,232$440,698$4,012,257
77$6,401,147$983,804$397,364$4,342,764
78$6,994,137$972,083$350,749$4,705,988
79$7,645,724$957,901$300,684$5,105,290
80$8,361,826$941,076$246,995$5,544,376
81$9,148,962$921,418$189,499$6,027,332
82$10,014,314$898,726$128,006$6,558,663
83$10,965,795$872,784$62,315$7,143,339
84$12,012,122$843,367$0$7,786,839
85$13,162,902$810,235$0$8,497,698
86$14,428,715$773,133$0$9,301,534
87$15,821,222$731,795$0$10,185,797
88$17,353,269$685,936$0$11,158,661
89$19,039,011$635,255$0$12,229,135
90$20,894,043$579,436$0$13,407,147
91$22,935,550$518,142$0$14,703,638
92$25,182,466$451,021$0$16,130,663
93$27,655,652$377,696$0$17,701,510
94$30,378,098$297,772$0$19,430,822
95$33,375,133$210,832$0$21,334,734
96$36,674,667$116,433$0$23,431,030
97$40,307,455$14,110$0$25,739,307
98$44,307,384$0$0$28,281,162
99$48,711,796$0$0$31,093,156
100$53,561,837$0$0$34,191,802