Can I retire at age 52 with 801,000?

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 $801,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$66,146$65,557$64,982$64,421$63,873$62,303
2 years$32,745$32,136$31,545$30,972$30,416$28,844
3 years$21,613$21,001$20,411$19,844$19,297$17,773
4 years$16,049$15,438$14,854$14,296$13,763$12,297
5 years$12,710$12,104$11,528$10,981$10,462$9,060
6 years$10,486$9,883$9,316$8,782$8,278$6,940
7 years$8,897$8,300$7,742$7,220$6,733$5,459
8 years$7,707$7,115$6,565$6,056$5,585$4,375
9 years$6,781$6,195$5,655$5,159$4,704$3,556
10 years$6,041$5,460$4,930$4,447$4,008$2,922
11 years$5,436$4,861$4,340$3,870$3,447$2,421
12 years$4,932$4,363$3,852$3,395$2,987$2,020
13 years$4,506$3,943$3,441$2,997$2,605$1,694
14 years$4,141$3,584$3,092$2,660$2,283$1,427
15 years$3,825$3,274$2,792$2,373$2,010$1,206
16 years$3,549$3,004$2,531$2,124$1,777$1,023
17 years$3,305$2,766$2,303$1,909$1,575$869
18 years$3,089$2,556$2,103$1,720$1,401$740
19 years$2,896$2,369$1,925$1,554$1,249$632
20 years$2,722$2,202$1,767$1,408$1,115$540
21 years$2,565$2,051$1,625$1,278$998$462
22 years$2,423$1,914$1,498$1,162$895$396
23 years$2,293$1,790$1,383$1,058$803$339
24 years$2,174$1,677$1,279$965$722$291
25 years$2,065$1,574$1,184$881$649$250
26 years$1,964$1,479$1,098$806$585$215
27 years$1,871$1,392$1,020$737$527$185
28 years$1,785$1,312$948$676$476$159
29 years$1,705$1,238$882$620$430$137
30 years$1,630$1,169$822$569$388$117
31 years$1,561$1,105$766$522$351$101
32 years$1,496$1,046$715$480$318$87
33 years$1,434$990$668$441$287$75
34 years$1,377$938$624$406$260$65
35 years$1,323$890$583$374$236$56
36 years$1,272$845$546$344$214$48
37 years$1,224$802$511$317$194$41
38 years$1,179$763$478$292$175$36
39 years$1,136$725$448$270$159$31
40 years$1,095$690$420$249$144$26
41 years$1,056$657$394$229$131$23
42 years$1,020$625$369$212$119$20
43 years$985$596$347$195$108$17
44 years$952$568$325$180$98$15
45 years$920$542$305$167$89$13
46 years$890$517$287$154$81$11
47 years$861$493$270$142$73$9
48 years$834$471$253$131$67$8
49 years$807$450$238$121$60$7
50 years$782$429$224$112$55$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $801,000, adding $2,628 every year, while hoping to spend $54,410 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: 44/26/30 Blend
51$801,000$801,000$801,000$801,000
52$885,413$842,960$830,544$916,555
53$917,833$826,373$800,476$922,529
54$951,737$807,150$767,576$923,648
55$987,217$785,104$731,694$923,841
56$1,024,377$760,037$692,669$923,054
57$1,063,325$731,741$650,335$921,231
58$1,104,182$699,993$604,518$918,317
59$1,147,076$664,561$555,038$914,255
60$1,192,149$625,196$501,703$908,986
61$1,239,554$581,636$444,316$902,451
62$1,289,457$533,605$382,669$894,593
63$1,342,039$480,809$316,546$885,351
64$1,397,498$422,940$245,721$874,668
65$1,456,049$359,670$169,959$862,485
66$1,517,927$290,654$89,013$848,747
67$1,583,386$215,527$2,626$833,397
68$1,652,708$133,904$0$816,384
69$1,726,196$45,378$0$826,327
70$1,804,185$0$0$837,271
71$1,887,039$0$0$862,871
72$1,975,157$0$0$903,957
73$2,068,976$0$0$947,754
74$2,168,974$0$0$994,494
75$2,275,674$0$0$1,044,429
76$2,389,649$0$0$1,097,835
77$2,511,529$0$0$1,155,015
78$2,642,001$0$0$1,216,301
79$2,781,822$0$0$1,282,057
80$2,931,820$0$0$1,352,685
81$3,092,904$0$0$1,428,621
82$3,266,074$0$0$1,510,349
83$3,452,424$0$0$1,598,397
84$3,653,159$0$0$1,693,348
85$3,869,598$0$0$1,795,838
86$4,103,195$0$0$1,906,570
87$4,355,544$0$0$2,026,315
88$4,628,397$0$0$2,155,920
89$4,923,683$0$0$2,296,316
90$5,243,518$0$0$2,448,529
91$5,590,231$0$0$2,613,684
92$5,966,383$0$0$2,793,020
93$6,374,790$0$0$2,987,899
94$6,818,549$0$0$3,199,822
95$7,301,068$0$0$3,430,435
96$7,826,095$0$0$3,681,554
97$8,397,755$0$0$3,955,176
98$9,020,586$0$0$4,253,498
99$9,699,583$0$0$4,578,937
100$10,440,243$0$0$4,934,156