Can I retire at age 52 with 804,000?

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 $804,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$66,394$65,802$65,225$64,662$64,112$61,593
2 years$32,868$32,256$31,663$31,088$30,530$28,022
3 years$21,694$21,080$20,488$19,918$19,369$16,953
4 years$16,109$15,496$14,910$14,350$13,814$11,507
5 years$12,758$12,149$11,571$11,022$10,501$8,309
6 years$10,525$9,920$9,351$8,814$8,309$6,234
7 years$8,931$8,331$7,771$7,247$6,758$4,798
8 years$7,736$7,141$6,590$6,079$5,606$3,761
9 years$6,806$6,218$5,676$5,178$4,721$2,987
10 years$6,063$5,481$4,949$4,464$4,023$2,396
11 years$5,456$4,879$4,357$3,885$3,460$1,937
12 years$4,950$4,379$3,866$3,407$2,998$1,576
13 years$4,523$3,958$3,454$3,008$2,614$1,288
14 years$4,156$3,597$3,104$2,670$2,292$1,057
15 years$3,839$3,286$2,802$2,381$2,018$869
16 years$3,562$3,015$2,541$2,132$1,783$717
17 years$3,318$2,777$2,312$1,916$1,581$593
18 years$3,101$2,566$2,110$1,727$1,406$491
19 years$2,907$2,378$1,932$1,560$1,253$407
20 years$2,733$2,210$1,773$1,413$1,119$338
21 years$2,575$2,058$1,631$1,282$1,002$281
22 years$2,432$1,921$1,503$1,166$898$234
23 years$2,302$1,797$1,388$1,062$806$194
24 years$2,182$1,684$1,284$969$724$162
25 years$2,073$1,580$1,189$884$652$135
26 years$1,972$1,485$1,103$809$587$112
27 years$1,878$1,398$1,024$740$529$94
28 years$1,792$1,317$952$678$478$78
29 years$1,712$1,242$886$622$431$65
30 years$1,637$1,173$825$571$390$54
31 years$1,567$1,109$769$524$352$45
32 years$1,501$1,049$718$482$319$38
33 years$1,440$994$670$443$288$31
34 years$1,382$942$626$408$261$26
35 years$1,328$893$585$375$237$22
36 years$1,277$848$548$346$214$18
37 years$1,229$805$513$318$194$15
38 years$1,183$765$480$293$176$13
39 years$1,140$728$450$271$160$11
40 years$1,099$692$421$250$145$9
41 years$1,060$659$395$230$131$7
42 years$1,024$628$371$213$119$6
43 years$989$598$348$196$108$5
44 years$955$570$327$181$98$4
45 years$924$544$307$167$89$4
46 years$893$519$288$155$81$3
47 years$864$495$271$143$74$3
48 years$837$473$254$132$67$2
49 years$810$451$239$122$61$2
50 years$785$431$225$113$55$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $804,000, adding $5,287 every year, while hoping to spend $35,440 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: 64/14/22 Blend
51$804,000$804,000$804,000$804,000
52$891,462$848,850$836,388$943,128
53$944,683$852,735$826,699$982,463
54$1,002,145$855,624$815,497$1,020,962
55$1,064,243$857,428$802,696$1,062,210
56$1,131,411$858,058$788,201$1,106,479
57$1,204,126$857,414$771,918$1,154,071
58$1,282,914$855,394$753,744$1,205,317
59$1,368,351$851,889$733,574$1,260,583
60$1,461,072$846,780$711,298$1,320,276
61$1,561,775$839,946$686,800$1,384,843
62$1,671,227$831,255$659,959$1,454,780
63$1,790,273$820,567$630,649$1,530,631
64$1,919,842$807,736$598,737$1,613,002
65$2,060,957$792,605$564,085$1,702,559
66$2,214,741$775,010$526,549$1,800,039
67$2,382,435$754,775$485,977$1,906,255
68$2,565,399$731,715$442,214$2,022,104
69$2,765,134$705,634$395,092$2,148,580
70$2,983,291$676,323$344,441$2,286,776
71$3,221,688$643,564$290,081$2,437,901
72$3,482,325$607,124$231,824$2,603,291
73$3,767,406$566,757$169,474$2,784,419
74$4,079,357$522,203$102,827$2,982,910
75$4,420,849$473,189$31,669$3,200,561
76$4,794,823$419,422$0$3,439,352
77$5,204,518$360,597$0$3,711,863
78$5,653,501$296,389$0$4,018,723
79$6,145,702$226,456$0$4,355,210
80$6,685,447$150,435$0$4,724,324
81$7,277,502$67,946$0$5,129,368
82$7,927,115$0$0$5,573,985
83$8,640,070$0$0$6,065,490
84$9,422,734$0$0$6,616,600
85$10,282,123$0$0$7,221,794
86$11,225,966$0$0$7,886,523
87$12,262,774$0$0$8,616,789
88$13,401,928$0$0$9,419,207
89$14,653,759$0$0$10,301,061
90$16,029,649$0$0$11,270,380
91$17,542,137$0$0$12,336,005
92$19,205,039$0$0$13,507,679
93$21,033,576$0$0$14,796,136
94$23,044,517$0$0$16,213,202
95$25,256,337$0$0$17,771,906
96$27,689,394$0$0$19,486,604
97$30,366,115$0$0$21,373,113
98$33,311,212$0$0$23,448,861
99$36,551,913$0$0$25,733,050
100$40,118,219$0$0$28,246,836