Can I retire at age 52 with 806,000?

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 $806,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$66,559$65,966$65,387$64,823$64,272$63,000
2 years$32,950$32,336$31,741$31,165$30,606$29,329
3 years$21,748$21,132$20,539$19,968$19,417$18,177
4 years$16,149$15,534$14,947$14,386$13,849$12,653
5 years$12,790$12,179$11,599$11,049$10,528$9,381
6 years$10,551$9,945$9,374$8,836$8,330$7,233
7 years$8,953$8,352$7,790$7,265$6,775$5,728
8 years$7,755$7,159$6,606$6,094$5,620$4,623
9 years$6,823$6,233$5,690$5,191$4,733$3,785
10 years$6,079$5,494$4,961$4,475$4,033$3,133
11 years$5,470$4,891$4,367$3,894$3,468$2,616
12 years$4,963$4,390$3,876$3,416$3,006$2,199
13 years$4,534$3,967$3,463$3,016$2,621$1,859
14 years$4,167$3,606$3,111$2,677$2,297$1,579
15 years$3,849$3,294$2,809$2,387$2,023$1,346
16 years$3,571$3,023$2,547$2,138$1,788$1,151
17 years$3,326$2,784$2,318$1,921$1,585$987
18 years$3,108$2,572$2,116$1,731$1,409$848
19 years$2,914$2,384$1,937$1,564$1,256$730
20 years$2,739$2,215$1,778$1,417$1,122$630
21 years$2,581$2,063$1,635$1,286$1,004$544
22 years$2,438$1,926$1,507$1,169$900$470
23 years$2,307$1,801$1,391$1,065$808$407
24 years$2,188$1,688$1,287$971$726$352
25 years$2,078$1,584$1,192$887$654$306
26 years$1,977$1,489$1,105$811$589$265
27 years$1,883$1,401$1,026$742$531$230
28 years$1,796$1,320$954$680$479$200
29 years$1,716$1,245$888$624$432$173
30 years$1,641$1,176$827$572$391$151
31 years$1,571$1,112$771$526$353$131
32 years$1,505$1,052$719$483$320$114
33 years$1,443$996$672$444$289$99
34 years$1,386$944$628$409$262$86
35 years$1,331$896$587$376$237$75
36 years$1,280$850$549$346$215$65
37 years$1,232$807$514$319$195$57
38 years$1,186$767$481$294$177$49
39 years$1,143$730$451$271$160$43
40 years$1,102$694$423$250$145$37
41 years$1,063$661$396$231$132$33
42 years$1,026$629$372$213$120$28
43 years$991$600$349$197$108$25
44 years$958$572$327$182$98$22
45 years$926$545$307$168$89$19
46 years$895$520$289$155$81$16
47 years$866$496$271$143$74$14
48 years$839$474$255$132$67$12
49 years$812$452$240$122$61$11
50 years$787$432$225$113$55$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $806,000, adding $5,465 every year, while hoping to spend $32,049 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: 51/42/7 Blend
51$806,000$806,000$806,000$806,000
52$893,849$851,131$838,638$937,601
53$950,922$858,737$832,633$975,572
54$1,012,742$865,641$825,352$1,012,911
55$1,079,760$871,775$816,719$1,052,738
56$1,152,470$877,067$806,654$1,095,292
57$1,231,418$881,440$795,073$1,140,839
58$1,317,203$884,810$781,889$1,189,674
59$1,410,484$887,092$767,008$1,242,123
60$1,511,985$888,192$750,334$1,298,544
61$1,622,505$888,010$731,768$1,359,335
62$1,742,921$886,444$711,203$1,424,937
63$1,874,200$883,380$688,529$1,495,834
64$2,017,405$878,702$663,631$1,572,565
65$2,173,705$872,284$636,388$1,655,724
66$2,344,390$863,992$606,674$1,745,966
67$2,530,877$853,687$574,357$1,844,018
68$2,734,727$841,219$539,299$1,950,681
69$2,957,660$826,429$501,356$2,066,841
70$3,201,568$809,151$460,377$2,193,477
71$3,468,534$789,206$416,207$2,331,671
72$3,760,854$766,406$368,679$2,482,617
73$4,081,054$740,553$317,622$2,647,637
74$4,431,917$711,435$262,858$2,828,189
75$4,816,508$678,831$204,200$3,025,882
76$5,238,202$642,504$141,451$3,242,498
77$5,700,717$602,205$74,407$3,479,999
78$6,208,147$557,670$2,857$3,740,557
79$6,765,003$508,621$0$4,026,567
80$7,376,252$454,762$0$4,346,165
81$8,047,367$395,782$0$4,697,366
82$8,784,376$331,353$0$5,083,201
83$9,593,919$261,127$0$5,507,247
84$10,483,313$184,735$0$5,973,454
85$11,460,615$101,792$0$6,486,181
86$12,534,704$11,886$0$7,050,237
87$13,715,361$0$0$7,670,929
88$15,013,361$0$0$8,393,588
89$16,440,577$0$0$9,194,319
90$18,010,089$0$0$10,074,979
91$19,736,307$0$0$11,043,666
92$21,635,108$0$0$12,109,302
93$23,723,987$0$0$13,281,716
94$26,022,217$0$0$14,571,741
95$28,551,036$0$0$15,991,310
96$31,333,843$0$0$17,553,573
97$34,396,421$0$0$19,273,017
98$37,767,176$0$0$21,165,608
99$41,477,412$0$0$23,248,935
100$45,561,619$0$0$25,542,381