Can I retire at age 52 with 802,000?

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 $802,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$66,228$65,638$65,063$64,501$63,953$63,683
2 years$32,786$32,176$31,584$31,010$30,454$30,182
3 years$21,640$21,027$20,437$19,869$19,321$19,055
4 years$16,069$15,457$14,873$14,314$13,780$13,522
5 years$12,726$12,119$11,542$10,995$10,475$10,226
6 years$10,499$9,896$9,328$8,792$8,289$8,048
7 years$8,909$8,310$7,751$7,229$6,741$6,509
8 years$7,716$7,124$6,574$6,064$5,592$5,370
9 years$6,789$6,202$5,662$5,165$4,710$4,496
10 years$6,048$5,467$4,936$4,452$4,013$3,808
11 years$5,443$4,867$4,346$3,875$3,451$3,256
12 years$4,938$4,368$3,857$3,399$2,991$2,804
13 years$4,511$3,948$3,446$3,001$2,608$2,430
14 years$4,146$3,588$3,096$2,664$2,286$2,116
15 years$3,830$3,278$2,795$2,376$2,013$1,851
16 years$3,553$3,008$2,534$2,127$1,779$1,625
17 years$3,309$2,770$2,306$1,911$1,577$1,431
18 years$3,093$2,559$2,105$1,722$1,402$1,264
19 years$2,900$2,372$1,927$1,556$1,250$1,118
20 years$2,726$2,204$1,769$1,409$1,117$992
21 years$2,569$2,053$1,627$1,279$999$881
22 years$2,426$1,917$1,499$1,163$896$784
23 years$2,296$1,793$1,384$1,059$804$699
24 years$2,177$1,679$1,280$966$723$623
25 years$2,068$1,576$1,186$882$650$557
26 years$1,967$1,481$1,100$807$586$498
27 years$1,874$1,394$1,021$738$528$445
28 years$1,787$1,314$949$677$477$398
29 years$1,707$1,239$884$620$430$357
30 years$1,633$1,170$823$569$389$320
31 years$1,563$1,106$767$523$351$287
32 years$1,497$1,047$716$481$318$257
33 years$1,436$991$668$442$288$231
34 years$1,379$940$625$407$261$208
35 years$1,325$891$584$374$236$186
36 years$1,274$846$546$345$214$168
37 years$1,226$803$511$318$194$151
38 years$1,180$764$479$293$176$135
39 years$1,137$726$449$270$159$122
40 years$1,096$691$420$249$144$109
41 years$1,058$658$394$230$131$98
42 years$1,021$626$370$212$119$89
43 years$986$597$347$196$108$80
44 years$953$569$326$181$98$72
45 years$921$542$306$167$89$65
46 years$891$517$287$154$81$58
47 years$862$494$270$142$73$52
48 years$835$471$254$132$67$47
49 years$808$450$238$122$60$42
50 years$783$430$224$112$55$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $802,000, adding $6,077 every year, while hoping to spend $44,453 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: 70/12/18 Blend
51$802,000$802,000$802,000$802,000
52$890,072$847,566$835,135$948,132
53$933,562$841,800$815,815$981,822
54$979,998$834,260$794,357$1,012,826
55$1,029,633$824,815$770,644$1,045,642
56$1,082,747$813,321$744,551$1,080,445
57$1,139,642$799,629$715,948$1,117,426
58$1,200,654$783,579$684,701$1,156,798
59$1,266,150$765,004$650,668$1,198,797
60$1,336,531$743,723$613,699$1,243,682
61$1,412,241$719,549$573,641$1,291,744
62$1,493,763$692,280$530,332$1,343,300
63$1,581,631$661,706$483,602$1,398,703
64$1,676,430$627,602$433,276$1,458,345
65$1,778,802$589,732$379,167$1,522,657
66$1,889,455$547,844$321,085$1,592,117
67$2,009,165$501,674$258,827$1,667,253
68$2,138,786$450,941$192,183$1,748,650
69$2,279,255$395,351$120,934$1,836,954
70$2,431,605$334,589$44,852$1,932,878
71$2,596,971$268,326$0$2,037,213
72$2,776,600$196,212$0$2,157,810
73$2,971,866$117,878$0$2,298,302
74$3,184,278$32,937$0$2,451,179
75$3,415,499$0$0$2,617,673
76$3,667,356$0$0$2,806,933
77$3,941,863$0$0$3,017,993
78$4,241,233$0$0$3,248,210
79$4,567,904$0$0$3,499,464
80$4,924,558$0$0$3,773,824
81$5,314,149$0$0$4,073,568
82$5,739,927$0$0$4,401,202
83$6,205,473$0$0$4,759,487
84$6,714,727$0$0$5,151,461
85$7,272,027$0$0$5,580,472
86$7,882,153$0$0$6,050,205
87$8,550,366$0$0$6,564,716
88$9,282,460$0$0$7,128,476
89$10,084,817$0$0$7,746,405
90$10,964,463$0$0$8,423,924
91$11,929,139$0$0$9,167,002
92$12,987,371$0$0$9,982,216
93$14,148,549$0$0$10,876,806
94$15,423,015$0$0$11,858,752
95$16,822,163$0$0$12,936,841
96$18,358,544$0$0$14,120,751
97$20,045,981$0$0$15,421,148
98$21,899,706$0$0$16,849,778
99$23,936,495$0$0$18,419,582
100$26,174,832$0$0$20,144,817