Can I retire at age 52 with 803,000?

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 $803,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$66,311$65,720$65,144$64,582$64,032$63,232
2 years$32,827$32,216$31,623$31,049$30,492$29,686
3 years$21,667$21,053$20,462$19,893$19,345$18,560
4 years$16,089$15,476$14,891$14,332$13,797$13,038
5 years$12,742$12,134$11,556$11,008$10,488$9,758
6 years$10,512$9,908$9,339$8,803$8,299$7,598
7 years$8,920$8,321$7,761$7,238$6,749$6,077
8 years$7,726$7,132$6,582$6,072$5,599$4,957
9 years$6,798$6,210$5,669$5,172$4,715$4,102
10 years$6,056$5,474$4,942$4,458$4,018$3,433
11 years$5,449$4,873$4,351$3,880$3,455$2,899
12 years$4,944$4,374$3,862$3,403$2,994$2,465
13 years$4,517$3,953$3,450$3,004$2,611$2,109
14 years$4,151$3,593$3,100$2,667$2,289$1,813
15 years$3,834$3,282$2,799$2,379$2,015$1,564
16 years$3,558$3,011$2,538$2,130$1,781$1,355
17 years$3,314$2,773$2,309$1,914$1,579$1,177
18 years$3,097$2,563$2,108$1,724$1,404$1,024
19 years$2,903$2,375$1,930$1,558$1,252$894
20 years$2,729$2,207$1,771$1,411$1,118$781
21 years$2,572$2,056$1,629$1,281$1,000$684
22 years$2,429$1,919$1,501$1,165$897$599
23 years$2,299$1,795$1,386$1,061$805$526
24 years$2,180$1,682$1,282$967$724$462
25 years$2,070$1,578$1,187$883$651$406
26 years$1,969$1,483$1,101$808$586$358
27 years$1,876$1,396$1,023$739$529$315
28 years$1,790$1,315$951$677$477$277
29 years$1,709$1,241$885$621$431$245
30 years$1,635$1,172$824$570$389$216
31 years$1,565$1,108$768$524$352$190
32 years$1,499$1,048$717$481$318$168
33 years$1,438$993$669$442$288$148
34 years$1,381$941$625$407$261$131
35 years$1,326$892$585$375$236$116
36 years$1,275$847$547$345$214$102
37 years$1,227$804$512$318$194$90
38 years$1,182$764$479$293$176$80
39 years$1,139$727$449$270$160$71
40 years$1,098$692$421$249$145$62
41 years$1,059$658$395$230$131$55
42 years$1,022$627$370$212$119$49
43 years$987$597$347$196$108$43
44 years$954$569$326$181$98$38
45 years$922$543$306$167$89$34
46 years$892$518$288$154$81$30
47 years$863$494$270$143$73$26
48 years$836$472$254$132$67$23
49 years$809$451$239$122$61$21
50 years$784$430$224$113$55$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $803,000, adding $5,777 every year, while hoping to spend $30,750 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: 37/46/17 Blend
51$803,000$803,000$803,000$803,000
52$890,865$848,306$835,859$919,046
53$949,015$857,155$831,143$948,749
54$1,012,067$865,407$825,238$977,470
55$1,080,486$873,001$818,072$1,007,843
56$1,154,788$879,870$809,569$1,040,032
57$1,235,537$885,945$799,651$1,074,220
58$1,323,356$891,150$788,233$1,110,610
59$1,418,929$895,407$775,230$1,149,428
60$1,523,009$898,631$760,549$1,190,924
61$1,636,424$900,733$744,096$1,235,376
62$1,760,088$901,617$725,772$1,283,092
63$1,895,002$901,182$705,470$1,334,415
64$2,042,272$899,320$683,084$1,389,724
65$2,203,115$895,917$658,498$1,449,440
66$2,378,868$890,852$631,593$1,514,029
67$2,571,005$883,997$602,244$1,584,009
68$2,781,149$875,214$570,321$1,659,951
69$3,011,087$864,361$535,687$1,742,492
70$3,262,786$851,282$498,201$1,832,335
71$3,538,412$835,817$457,713$1,930,258
72$3,840,351$817,793$414,067$2,037,123
73$4,171,230$797,028$367,101$2,153,887
74$4,533,942$773,328$316,645$2,281,605
75$4,931,674$746,491$262,523$2,421,447
76$5,367,936$716,300$204,548$2,574,709
77$5,846,593$682,527$142,528$2,742,821
78$6,371,903$644,929$76,261$2,927,369
79$6,948,558$603,250$5,536$3,130,105
80$7,581,722$557,222$0$3,352,965
81$8,277,089$506,556$0$3,610,779
82$9,040,927$450,953$0$3,895,126
83$9,880,143$390,091$0$4,207,662
84$10,802,346$323,634$0$4,551,326
85$11,815,919$251,225$0$4,929,364
86$12,930,095$172,487$0$5,345,359
87$14,155,049$87,023$0$5,803,267
88$15,501,990$0$0$6,307,457
89$16,983,267$0$0$6,865,576
90$18,612,488$0$0$7,528,010
91$20,404,642$0$0$8,256,820
92$22,376,246$0$0$9,058,738
93$24,545,500$0$0$9,941,183
94$26,932,454$0$0$10,912,330
95$29,559,201$0$0$11,981,183
96$32,450,086$0$0$13,157,667
97$35,631,930$0$0$14,452,715
98$39,134,288$0$0$15,878,378
99$42,989,725$0$0$17,447,929
100$47,234,125$0$0$19,175,999