Can I retire at age 52 with 808,000?

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 $808,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$66,724$66,130$65,550$64,984$64,431$63,182
2 years$33,032$32,416$31,820$31,242$30,681$29,428
3 years$21,802$21,185$20,590$20,017$19,466$18,247
4 years$16,189$15,573$14,984$14,421$13,883$12,709
5 years$12,822$12,209$11,628$11,077$10,554$9,427
6 years$10,577$9,970$9,397$8,858$8,351$7,273
7 years$8,975$8,373$7,809$7,283$6,791$5,762
8 years$7,774$7,177$6,623$6,109$5,634$4,654
9 years$6,840$6,249$5,704$5,204$4,745$3,812
10 years$6,094$5,508$4,973$4,486$4,043$3,158
11 years$5,483$4,903$4,378$3,904$3,477$2,638
12 years$4,975$4,401$3,886$3,424$3,013$2,219
13 years$4,545$3,977$3,472$3,023$2,627$1,877
14 years$4,177$3,615$3,119$2,684$2,303$1,595
15 years$3,858$3,303$2,816$2,393$2,028$1,361
16 years$3,580$3,030$2,553$2,143$1,792$1,165
17 years$3,334$2,791$2,323$1,925$1,589$999
18 years$3,116$2,579$2,121$1,735$1,413$859
19 years$2,921$2,390$1,942$1,568$1,259$740
20 years$2,746$2,221$1,782$1,420$1,125$639
21 years$2,588$2,069$1,639$1,289$1,007$552
22 years$2,444$1,931$1,511$1,172$902$478
23 years$2,313$1,806$1,395$1,067$810$414
24 years$2,193$1,692$1,290$973$728$359
25 years$2,083$1,588$1,195$889$655$311
26 years$1,982$1,492$1,108$813$590$270
27 years$1,888$1,404$1,029$744$532$235
28 years$1,801$1,323$957$682$480$204
29 years$1,720$1,249$890$625$433$177
30 years$1,645$1,179$829$574$392$154
31 years$1,574$1,115$773$527$354$134
32 years$1,509$1,055$721$484$320$117
33 years$1,447$999$673$445$290$102
34 years$1,389$947$629$410$262$88
35 years$1,335$898$588$377$238$77
36 years$1,283$852$550$347$215$67
37 years$1,235$809$515$320$195$58
38 years$1,189$769$482$295$177$51
39 years$1,146$731$452$272$160$44
40 years$1,105$696$424$251$146$39
41 years$1,066$662$397$231$132$34
42 years$1,029$631$373$214$120$29
43 years$994$601$350$197$109$26
44 years$960$573$328$182$99$22
45 years$928$546$308$168$90$19
46 years$898$521$289$155$81$17
47 years$869$497$272$143$74$15
48 years$841$475$255$133$67$13
49 years$814$453$240$123$61$11
50 years$789$433$226$113$55$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $808,000, adding $6,478 every year, while hoping to spend $23,218 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: 43/31/26 Blend
51$808,000$808,000$808,000$808,000
52$897,098$854,274$841,750$928,634
53$963,898$871,430$845,245$968,933
54$1,036,734$888,648$848,079$1,009,860
55$1,116,196$905,907$850,205$1,053,752
56$1,202,936$923,184$851,574$1,100,897
57$1,297,668$940,453$852,135$1,151,611
58$1,401,183$957,688$851,834$1,206,246
59$1,514,347$974,858$850,614$1,265,188
60$1,638,117$991,933$848,416$1,328,863
61$1,773,545$1,008,877$845,178$1,397,742
62$1,921,789$1,025,654$840,833$1,472,344
63$2,084,125$1,042,225$835,315$1,553,244
64$2,261,958$1,058,546$828,550$1,641,074
65$2,456,835$1,074,573$820,464$1,736,532
66$2,670,461$1,090,256$810,979$1,840,388
67$2,904,712$1,105,542$800,011$1,953,493
68$3,161,656$1,120,377$787,474$2,076,785
69$3,443,569$1,134,699$773,278$2,211,299
70$3,752,959$1,148,445$757,329$2,358,178
71$4,092,588$1,161,546$739,527$2,518,680
72$4,465,499$1,173,929$719,768$2,694,198
73$4,875,044$1,185,516$697,945$2,886,264
74$5,324,916$1,196,224$673,944$3,096,571
75$5,819,183$1,205,964$647,646$3,326,986
76$6,362,325$1,214,642$618,928$3,579,569
77$6,959,280$1,222,157$587,659$3,856,591
78$7,615,485$1,228,402$553,705$4,160,559
79$8,336,935$1,233,263$516,924$4,494,237
80$9,130,229$1,236,620$477,167$4,860,674
81$10,002,641$1,238,343$434,281$5,263,233
82$10,962,185$1,238,297$388,104$5,705,625
83$12,017,689$1,236,335$338,468$6,191,940
84$13,178,882$1,232,304$285,195$6,726,691
85$14,456,482$1,226,040$228,102$7,314,854
86$15,862,297$1,217,370$166,997$7,961,917
87$17,409,339$1,206,109$101,680$8,673,932
88$19,111,947$1,192,064$31,941$9,457,573
89$20,985,916$1,175,025$0$10,320,201
90$23,048,653$1,154,775$0$11,281,717
91$25,319,338$1,131,082$0$12,349,506
92$27,819,105$1,103,699$0$13,524,633
93$30,571,238$1,072,365$0$14,818,045
94$33,601,400$1,036,806$0$16,241,813
95$36,937,862$996,729$0$17,809,239
96$40,611,780$951,825$0$19,534,985
97$44,657,486$901,768$0$21,435,211
98$49,112,807$846,213$0$23,527,732
99$54,019,429$784,793$0$25,832,179
100$59,423,286$717,123$0$28,370,194