Can I retire at age 52 with 795,000?

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 $795,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$65,650$65,066$64,495$63,938$63,394$61,662
2 years$32,500$31,895$31,308$30,740$30,188$28,455
3 years$21,452$20,844$20,259$19,695$19,152$17,473
4 years$15,928$15,322$14,743$14,189$13,660$12,048
5 years$12,615$12,013$11,441$10,899$10,384$8,843
6 years$10,407$9,809$9,246$8,716$8,216$6,748
7 years$8,831$8,238$7,684$7,166$6,682$5,287
8 years$7,649$7,061$6,516$6,011$5,543$4,220
9 years$6,730$6,148$5,613$5,120$4,668$3,416
10 years$5,996$5,419$4,893$4,414$3,978$2,794
11 years$5,395$4,825$4,308$3,841$3,421$2,305
12 years$4,895$4,330$3,823$3,369$2,965$1,914
13 years$4,472$3,913$3,416$2,975$2,585$1,598
14 years$4,110$3,557$3,069$2,640$2,266$1,339
15 years$3,796$3,249$2,771$2,355$1,995$1,127
16 years$3,522$2,981$2,512$2,108$1,763$950
17 years$3,281$2,746$2,286$1,894$1,564$804
18 years$3,066$2,537$2,087$1,707$1,390$681
19 years$2,874$2,351$1,910$1,543$1,239$578
20 years$2,702$2,185$1,753$1,397$1,107$492
21 years$2,546$2,035$1,613$1,268$990$418
22 years$2,405$1,900$1,486$1,153$888$356
23 years$2,276$1,777$1,372$1,050$797$304
24 years$2,158$1,665$1,269$958$716$259
25 years$2,050$1,562$1,176$875$645$221
26 years$1,950$1,468$1,090$800$581$189
27 years$1,857$1,382$1,012$732$523$162
28 years$1,772$1,302$941$671$472$138
29 years$1,692$1,228$876$615$427$118
30 years$1,618$1,160$816$564$385$101
31 years$1,549$1,097$761$518$348$87
32 years$1,484$1,038$710$476$315$74
33 years$1,424$983$663$438$285$63
34 years$1,367$931$619$403$258$54
35 years$1,313$883$579$371$234$46
36 years$1,263$838$541$342$212$40
37 years$1,215$796$507$315$192$34
38 years$1,170$757$475$290$174$29
39 years$1,127$720$445$268$158$25
40 years$1,087$685$417$247$143$21
41 years$1,049$652$391$228$130$18
42 years$1,012$621$367$210$118$16
43 years$978$591$344$194$107$13
44 years$945$564$323$179$97$12
45 years$913$538$303$165$88$10
46 years$883$513$285$153$80$8
47 years$855$489$268$141$73$7
48 years$827$467$251$130$66$6
49 years$801$446$236$121$60$5
50 years$776$426$222$111$54$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $795,000, adding $6,910 every year, while hoping to spend $36,277 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: 62/13/25 Blend
51$795,000$795,000$795,000$795,000
52$883,218$841,083$828,760$931,723
53$934,707$843,697$817,925$968,026
54$990,233$845,224$805,511$1,003,059
55$1,050,169$845,572$791,428$1,040,516
56$1,114,924$844,643$775,578$1,080,638
57$1,184,949$842,334$757,864$1,123,695
58$1,260,741$838,535$738,179$1,169,982
59$1,342,844$833,130$716,415$1,219,828
60$1,431,857$825,997$692,458$1,273,597
61$1,528,439$817,002$666,187$1,331,689
62$1,633,313$806,009$637,479$1,394,548
63$1,747,278$792,870$606,201$1,462,665
64$1,871,208$777,430$572,217$1,536,583
65$2,006,070$759,522$535,385$1,616,901
66$2,152,923$738,973$495,554$1,704,281
67$2,312,936$715,597$452,570$1,799,456
68$2,487,394$689,199$406,269$1,903,236
69$2,677,710$659,572$356,481$2,016,514
70$2,885,441$626,495$303,027$2,140,278
71$3,112,300$589,738$245,723$2,275,620
72$3,360,175$549,056$184,375$2,423,745
73$3,631,141$504,187$118,780$2,585,983
74$3,927,484$454,860$48,726$2,763,807
75$4,251,723$400,783$0$2,958,838
76$4,606,628$341,651$0$3,179,814
77$4,995,253$277,141$0$3,436,093
78$5,420,958$206,910$0$3,716,913
79$5,887,445$130,597$0$4,024,752
80$6,398,790$47,822$0$4,362,345
81$6,959,483$0$0$4,732,702
82$7,574,470$0$0$5,145,126
83$8,249,196$0$0$5,605,180
84$8,989,662$0$0$6,110,119
85$9,802,475$0$0$6,664,458
86$10,694,915$0$0$7,273,170
87$11,675,001$0$0$7,941,732
88$12,751,565$0$0$8,676,178
89$13,934,339$0$0$9,483,156
90$15,234,042$0$0$10,369,989
91$16,662,484$0$0$11,344,745
92$18,232,677$0$0$12,416,312
93$19,958,954$0$0$13,594,482
94$21,857,107$0$0$14,890,044
95$23,944,535$0$0$16,314,885
96$26,240,408$0$0$17,882,101
97$28,765,847$0$0$19,606,120
98$31,544,121$0$0$21,502,841
99$34,600,870$0$0$23,589,779
100$37,964,344$0$0$25,886,235