Can I retire at age 52 with 800,000?

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 $800,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$66,063$65,475$64,901$64,340$63,793$63,048
2 years$32,705$32,095$31,505$30,933$30,378$29,628
3 years$21,586$20,975$20,386$19,819$19,273$18,542
4 years$16,029$15,419$14,836$14,278$13,746$13,038
5 years$12,695$12,088$11,513$10,967$10,449$9,768
6 years$10,473$9,871$9,304$8,771$8,268$7,614
7 years$8,886$8,290$7,732$7,211$6,724$6,097
8 years$7,697$7,106$6,557$6,049$5,578$4,978
9 years$6,773$6,187$5,648$5,152$4,698$4,125
10 years$6,033$5,453$4,924$4,441$4,003$3,456
11 years$5,429$4,855$4,335$3,865$3,442$2,922
12 years$4,926$4,357$3,847$3,390$2,983$2,488
13 years$4,500$3,938$3,437$2,993$2,601$2,131
14 years$4,136$3,579$3,088$2,657$2,280$1,834
15 years$3,820$3,270$2,788$2,370$2,008$1,585
16 years$3,544$3,000$2,528$2,122$1,775$1,375
17 years$3,301$2,763$2,300$1,906$1,573$1,196
18 years$3,085$2,553$2,100$1,718$1,399$1,043
19 years$2,892$2,366$1,922$1,552$1,247$911
20 years$2,719$2,199$1,764$1,406$1,114$797
21 years$2,562$2,048$1,623$1,276$997$699
22 years$2,420$1,912$1,496$1,160$893$614
23 years$2,290$1,788$1,381$1,057$802$539
24 years$2,172$1,675$1,277$964$721$475
25 years$2,063$1,572$1,183$880$649$418
26 years$1,962$1,478$1,097$805$584$368
27 years$1,869$1,391$1,019$737$527$325
28 years$1,783$1,310$947$675$475$287
29 years$1,703$1,236$881$619$429$253
30 years$1,628$1,167$821$568$388$224
31 years$1,559$1,104$765$522$351$198
32 years$1,494$1,044$714$479$317$175
33 years$1,433$989$667$441$287$154
34 years$1,375$937$623$406$260$137
35 years$1,321$889$582$373$235$121
36 years$1,271$844$545$344$213$107
37 years$1,223$801$510$317$193$95
38 years$1,177$762$478$292$175$84
39 years$1,134$724$447$269$159$74
40 years$1,094$689$419$248$144$66
41 years$1,055$656$393$229$131$58
42 years$1,019$625$369$211$119$52
43 years$984$595$346$195$108$46
44 years$951$567$325$180$98$41
45 years$919$541$305$166$89$36
46 years$889$516$287$154$81$32
47 years$860$492$269$142$73$28
48 years$833$470$253$131$66$25
49 years$806$449$238$121$60$22
50 years$781$429$224$112$55$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $800,000, adding $3,031 every year, while hoping to spend $57,278 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: 50/24/26 Blend
51$800,000$800,000$800,000$800,000
52$884,726$842,326$829,926$922,334
53$914,025$822,657$796,786$929,200
54$944,393$800,104$760,615$930,672
55$975,878$774,466$721,252$931,130
56$1,008,531$745,529$678,528$930,503
57$1,042,409$713,067$632,266$928,716
58$1,077,568$676,842$582,281$925,693
59$1,114,073$636,599$528,380$921,352
60$1,151,988$592,073$470,361$915,608
61$1,191,386$542,979$408,013$908,373
62$1,232,341$489,019$341,115$899,555
63$1,274,937$429,878$269,439$889,057
64$1,319,259$365,221$192,745$876,779
65$1,365,402$294,695$110,780$862,616
66$1,413,467$217,929$23,285$846,461
67$1,463,561$134,527$0$828,201
68$1,515,801$44,076$0$827,162
69$1,570,313$0$0$831,938
70$1,627,231$0$0$850,244
71$1,686,703$0$0$881,552
72$1,748,886$0$0$914,309
73$1,813,952$0$0$948,606
74$1,882,084$0$0$984,544
75$1,953,484$0$0$1,022,232
76$2,028,368$0$0$1,061,788
77$2,106,973$0$0$1,103,341
78$2,189,555$0$0$1,147,029
79$2,276,391$0$0$1,193,004
80$2,367,786$0$0$1,241,432
81$2,464,067$0$0$1,292,491
82$2,565,594$0$0$1,346,379
83$2,672,758$0$0$1,403,307
84$2,785,985$0$0$1,463,510
85$2,905,741$0$0$1,527,241
86$3,032,532$0$0$1,594,777
87$3,166,914$0$0$1,666,423
88$3,309,492$0$0$1,742,509
89$3,460,929$0$0$1,823,399
90$3,621,950$0$0$1,909,489
91$3,793,347$0$0$2,001,213
92$3,975,988$0$0$2,099,048
93$4,170,824$0$0$2,203,513
94$4,378,895$0$0$2,315,180
95$4,601,343$0$0$2,434,675
96$4,839,419$0$0$2,562,683
97$5,094,493$0$0$2,699,959
98$5,368,071$0$0$2,847,326
99$5,661,803$0$0$3,005,692
100$5,977,501$0$0$3,176,052