Can I retire at age 52 with 812,000?

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 $812,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$67,054$66,457$65,874$65,305$64,750$62,304
2 years$33,195$32,577$31,978$31,397$30,833$28,397
3 years$21,910$21,289$20,692$20,116$19,562$17,213
4 years$16,269$15,650$15,058$14,493$13,952$11,707
5 years$12,885$12,270$11,686$11,132$10,606$8,472
6 years$10,630$10,019$9,444$8,902$8,392$6,370
7 years$9,020$8,414$7,848$7,319$6,825$4,914
8 years$7,812$7,212$6,656$6,140$5,662$3,861
9 years$6,874$6,280$5,733$5,230$4,768$3,074
10 years$6,124$5,535$4,998$4,508$4,063$2,472
11 years$5,510$4,928$4,400$3,923$3,494$2,004
12 years$5,000$4,423$3,905$3,441$3,028$1,634
13 years$4,568$3,997$3,489$3,038$2,640$1,339
14 years$4,198$3,633$3,135$2,697$2,315$1,102
15 years$3,877$3,319$2,830$2,405$2,038$909
16 years$3,597$3,045$2,566$2,154$1,801$752
17 years$3,351$2,804$2,335$1,935$1,597$624
18 years$3,132$2,591$2,131$1,744$1,420$518
19 years$2,936$2,402$1,951$1,576$1,266$431
20 years$2,760$2,232$1,791$1,427$1,131$359
21 years$2,601$2,079$1,647$1,295$1,012$299
22 years$2,456$1,940$1,518$1,178$907$250
23 years$2,325$1,815$1,402$1,072$814$208
24 years$2,204$1,700$1,296$978$732$174
25 years$2,093$1,596$1,201$893$658$145
26 years$1,991$1,500$1,114$817$593$121
27 years$1,897$1,411$1,034$748$535$102
28 years$1,810$1,330$961$685$482$85
29 years$1,729$1,255$895$628$436$71
30 years$1,653$1,185$833$576$394$59
31 years$1,582$1,120$777$529$356$50
32 years$1,516$1,060$725$487$322$42
33 years$1,454$1,004$677$447$291$35
34 years$1,396$951$632$412$264$29
35 years$1,341$902$591$379$239$24
36 years$1,290$856$553$349$216$20
37 years$1,241$813$518$322$196$17
38 years$1,195$773$485$296$178$14
39 years$1,151$735$454$273$161$12
40 years$1,110$699$426$252$146$10
41 years$1,071$666$399$233$133$8
42 years$1,034$634$374$215$120$7
43 years$998$604$351$198$109$6
44 years$965$576$330$183$99$5
45 years$933$549$310$169$90$4
46 years$902$524$291$156$82$3
47 years$873$500$273$144$74$3
48 years$845$477$257$133$67$2
49 years$818$456$241$123$61$2
50 years$793$435$227$114$56$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $812,000, adding $4,118 every year, while hoping to spend $32,320 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: 73/20/7 Blend
51$812,000$812,000$812,000$812,000
52$899,072$856,036$843,450$963,515
53$956,389$863,593$837,317$1,014,112
54$1,018,469$870,438$829,896$1,065,046
55$1,085,764$876,500$821,108$1,119,915
56$1,158,771$881,708$810,874$1,179,098
57$1,238,035$885,981$799,108$1,243,012
58$1,324,158$889,238$785,722$1,312,115
59$1,417,801$891,389$770,622$1,386,915
60$1,519,690$892,341$753,712$1,467,971
61$1,630,626$891,993$734,889$1,555,896
62$1,751,490$890,241$714,047$1,651,371
63$1,883,250$886,970$691,076$1,755,142
64$2,026,972$882,062$665,857$1,868,035
65$2,183,830$875,390$638,270$1,990,957
66$2,355,116$866,819$608,188$2,124,911
67$2,542,251$856,208$575,476$2,271,002
68$2,746,803$843,404$539,996$2,430,448
69$2,970,494$828,248$501,603$2,604,590
70$3,215,222$810,570$460,145$2,794,910
71$3,483,077$790,190$415,462$3,003,040
72$3,776,361$766,919$367,390$3,230,778
73$4,097,606$740,555$315,754$3,480,110
74$4,449,605$710,884$260,374$3,753,222
75$4,835,429$677,683$201,062$4,052,525
76$5,258,465$640,711$137,619$4,380,680
77$5,722,439$599,717$69,841$4,740,616
78$6,231,459$554,434$0$5,135,567
79$6,790,047$504,580$0$5,569,280
80$7,403,184$449,857$0$6,051,079
81$8,076,359$389,950$0$6,580,088
82$8,815,617$324,527$0$7,161,102
83$9,627,616$253,234$0$7,799,404
84$10,519,692$175,702$0$8,500,816
85$11,499,927$91,538$0$9,271,758
86$12,577,223$327$0$10,119,306
87$13,761,389$0$0$11,051,257
88$15,063,231$0$0$12,097,857
89$16,494,653$0$0$13,248,751
90$18,068,772$0$0$14,514,420
91$19,800,038$0$0$15,906,488
92$21,704,374$0$0$17,437,761
93$23,799,321$0$0$19,122,352
94$26,104,207$0$0$20,975,809
95$28,640,328$0$0$23,015,261
96$31,431,149$0$0$25,259,586
97$34,502,523$0$0$27,729,579
98$37,882,937$0$0$30,448,158
99$41,603,779$0$0$33,440,572
100$45,699,636$0$0$36,734,643