Can I retire at age 52 with 810,000?

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 $810,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$66,889$66,293$65,712$65,145$64,591$63,416
2 years$33,113$32,497$31,899$31,319$30,757$29,578
3 years$21,856$21,237$20,641$20,067$19,514$18,367
4 years$16,229$15,611$15,021$14,457$13,917$12,812
5 years$12,853$12,240$11,657$11,104$10,580$9,518
6 years$10,604$9,994$9,421$8,880$8,371$7,355
7 years$8,997$8,393$7,829$7,301$6,808$5,837
8 years$7,793$7,195$6,639$6,125$5,648$4,723
9 years$6,857$6,264$5,718$5,217$4,756$3,876
10 years$6,109$5,522$4,985$4,497$4,053$3,216
11 years$5,497$4,916$4,389$3,914$3,486$2,692
12 years$4,987$4,412$3,895$3,433$3,020$2,269
13 years$4,556$3,987$3,480$3,031$2,634$1,923
14 years$4,187$3,624$3,127$2,690$2,309$1,638
15 years$3,868$3,311$2,823$2,399$2,033$1,400
16 years$3,589$3,038$2,560$2,148$1,797$1,201
17 years$3,342$2,797$2,329$1,930$1,593$1,032
18 years$3,124$2,585$2,126$1,739$1,416$890
19 years$2,929$2,396$1,946$1,572$1,263$768
20 years$2,753$2,226$1,786$1,424$1,128$665
21 years$2,594$2,074$1,643$1,292$1,009$576
22 years$2,450$1,936$1,514$1,175$905$499
23 years$2,319$1,810$1,398$1,070$812$433
24 years$2,199$1,696$1,293$976$730$377
25 years$2,088$1,592$1,198$891$657$328
26 years$1,987$1,496$1,111$815$592$285
27 years$1,892$1,408$1,031$746$533$248
28 years$1,805$1,327$959$683$481$216
29 years$1,724$1,252$892$627$435$188
30 years$1,649$1,182$831$575$393$164
31 years$1,578$1,117$775$528$355$143
32 years$1,512$1,057$723$485$321$125
33 years$1,451$1,001$675$446$291$109
34 years$1,393$949$631$411$263$95
35 years$1,338$900$590$378$238$83
36 years$1,286$854$552$348$216$73
37 years$1,238$811$516$321$196$63
38 years$1,192$771$484$296$177$55
39 years$1,149$733$453$273$161$48
40 years$1,107$698$425$251$146$42
41 years$1,068$664$398$232$132$37
42 years$1,031$632$373$214$120$32
43 years$996$603$350$198$109$28
44 years$962$574$329$183$99$25
45 years$930$548$309$169$90$21
46 years$900$523$290$156$82$19
47 years$871$499$273$144$74$16
48 years$843$476$256$133$67$14
49 years$816$455$241$123$61$13
50 years$791$434$226$114$55$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $810,000, adding $2,875 every year, while hoping to spend $24,750 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: 47/45/8 Blend
51$810,000$810,000$810,000$810,000
52$895,586$852,656$840,101$935,600
53$960,601$868,102$841,910$978,844
54$1,031,420$883,476$842,951$1,022,927
55$1,108,605$898,747$843,171$1,070,194
56$1,192,782$913,884$842,515$1,120,948
57$1,284,633$928,852$840,928$1,175,522
58$1,384,915$943,615$838,348$1,234,285
59$1,494,456$958,132$834,713$1,297,644
60$1,614,172$972,362$829,957$1,366,046
61$1,745,068$986,258$824,011$1,439,986
62$1,888,252$999,772$816,802$1,520,007
63$2,044,945$1,012,852$808,256$1,606,712
64$2,216,489$1,025,441$798,292$1,700,762
65$2,404,364$1,037,481$786,828$1,802,890
66$2,610,198$1,048,907$773,776$1,913,902
67$2,835,786$1,059,651$759,045$2,034,688
68$3,083,104$1,069,641$742,541$2,166,228
69$3,354,327$1,078,800$724,162$2,309,605
70$3,651,852$1,087,045$703,806$2,466,013
71$3,978,320$1,094,289$681,362$2,636,770
72$4,336,637$1,100,438$656,716$2,823,327
73$4,730,008$1,105,393$629,750$3,027,287
74$5,161,960$1,109,049$600,338$3,250,418
75$5,636,380$1,111,292$568,349$3,494,669
76$6,157,550$1,112,005$533,648$3,762,190
77$6,730,186$1,111,059$496,091$4,055,353
78$7,359,485$1,108,321$455,530$4,376,773
79$8,051,171$1,103,647$411,809$4,729,335
80$8,811,552$1,096,887$364,766$5,116,220
81$9,647,574$1,087,879$314,230$5,540,939
82$10,566,894$1,076,452$260,024$6,007,360
83$11,577,946$1,062,427$201,964$6,519,751
84$12,690,022$1,045,611$139,855$7,082,819
85$13,913,360$1,025,802$73,496$7,701,755
86$15,259,241$1,002,784$2,675$8,382,282
87$16,740,093$976,330$0$9,130,712
88$18,369,610$946,199$0$9,960,229
89$20,162,883$912,135$0$10,872,932
90$22,136,536$873,868$0$11,877,076
91$24,308,888$831,113$0$12,982,016
92$26,700,124$783,567$0$14,198,062
93$29,332,486$730,912$0$15,536,583
94$32,230,481$672,807$0$17,010,114
95$35,421,113$608,898$0$18,632,472
96$38,934,138$538,805$0$20,418,890
97$42,802,343$462,130$0$22,386,162
98$47,061,859$378,451$0$24,552,803
99$51,752,496$287,322$0$26,939,220
100$56,918,123$188,274$0$29,567,915