Can I retire at age 52 with 814,000?

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 $814,000?

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$67,219$66,621$66,036$65,466$64,910$63,729
2 years$33,277$32,657$32,057$31,474$30,909$29,725
3 years$21,964$21,342$20,743$20,166$19,610$18,458
4 years$16,309$15,688$15,095$14,528$13,986$12,875
5 years$12,917$12,300$11,715$11,159$10,632$9,565
6 years$10,656$10,044$9,467$8,924$8,413$7,391
7 years$9,042$8,435$7,867$7,337$6,842$5,866
8 years$7,832$7,230$6,672$6,155$5,676$4,746
9 years$6,891$6,295$5,747$5,243$4,780$3,895
10 years$6,139$5,549$5,010$4,519$4,073$3,232
11 years$5,524$4,940$4,411$3,933$3,503$2,705
12 years$5,012$4,434$3,914$3,450$3,035$2,280
13 years$4,579$4,007$3,497$3,046$2,647$1,933
14 years$4,208$3,642$3,142$2,704$2,320$1,646
15 years$3,887$3,327$2,837$2,411$2,043$1,407
16 years$3,606$3,053$2,572$2,159$1,806$1,207
17 years$3,359$2,811$2,341$1,940$1,601$1,037
18 years$3,139$2,598$2,137$1,748$1,423$894
19 years$2,943$2,408$1,956$1,580$1,269$772
20 years$2,767$2,237$1,795$1,431$1,133$668
21 years$2,607$2,084$1,651$1,298$1,014$579
22 years$2,462$1,945$1,522$1,180$909$502
23 years$2,330$1,819$1,405$1,075$816$436
24 years$2,210$1,705$1,300$981$733$378
25 years$2,099$1,600$1,204$895$660$329
26 years$1,996$1,503$1,116$819$595$286
27 years$1,902$1,415$1,037$749$536$249
28 years$1,814$1,333$964$687$484$217
29 years$1,733$1,258$897$630$437$189
30 years$1,657$1,188$835$578$395$165
31 years$1,586$1,123$779$531$357$144
32 years$1,520$1,063$727$488$323$126
33 years$1,458$1,006$678$449$292$110
34 years$1,399$954$634$413$264$96
35 years$1,345$905$593$380$239$84
36 years$1,293$859$554$350$217$73
37 years$1,244$815$519$322$197$64
38 years$1,198$775$486$297$178$56
39 years$1,154$737$455$274$162$49
40 years$1,113$701$427$253$147$42
41 years$1,074$667$400$233$133$37
42 years$1,036$636$375$215$121$32
43 years$1,001$606$352$199$110$28
44 years$967$577$331$183$99$25
45 years$935$550$310$169$90$22
46 years$904$525$292$156$82$19
47 years$875$501$274$145$74$16
48 years$847$478$257$134$68$14
49 years$820$457$242$123$61$13
50 years$795$436$227$114$56$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $814,000, adding $3,254 every year, while hoping to spend $36,225 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: 79/14/7 Blend
51$814,000$814,000$814,000$814,000
52$900,385$857,243$844,626$970,554
53$953,681$860,704$834,377$1,020,482
54$1,011,199$863,122$822,572$1,070,166
55$1,073,331$864,405$809,118$1,123,585
56$1,140,510$864,459$793,922$1,181,094
57$1,213,208$863,184$776,885$1,243,083
58$1,291,947$860,472$757,902$1,309,984
59$1,377,299$856,209$736,866$1,382,269
60$1,469,895$850,274$713,662$1,460,462
61$1,570,428$842,541$688,173$1,545,140
62$1,679,658$832,872$660,274$1,636,935
63$1,798,425$821,125$629,835$1,736,548
64$1,927,651$807,147$596,721$1,844,749
65$2,068,350$790,775$560,790$1,962,389
66$2,221,639$771,840$521,893$2,090,403
67$2,388,746$750,161$479,877$2,229,822
68$2,571,025$725,545$434,578$2,381,786
69$2,769,962$697,789$385,829$2,547,547
70$2,987,196$666,679$333,453$2,728,488
71$3,224,531$631,987$277,265$2,926,133
72$3,483,953$593,474$217,073$3,142,160
73$3,767,648$550,886$152,676$3,378,422
74$4,078,021$503,952$83,864$3,636,959
75$4,417,724$452,391$10,418$3,920,020
76$4,789,674$395,901$0$4,230,087
77$5,197,086$334,165$0$4,574,970
78$5,643,498$266,848$0$4,953,765
79$6,132,808$193,597$0$5,369,037
80$6,669,308$114,036$0$5,824,466
81$7,257,726$27,773$0$6,324,112
82$7,903,269$0$0$6,872,445
83$8,611,674$0$0$7,484,503
84$9,389,257$0$0$8,161,053
85$10,242,978$0$0$8,903,874
86$11,180,503$0$0$9,719,641
87$12,210,278$0$0$10,615,705
88$13,341,604$0$0$11,600,164
89$14,584,730$0$0$12,681,940
90$15,950,948$0$0$13,870,861
91$17,452,695$0$0$15,177,757
92$19,103,674$0$0$16,614,556
93$20,918,984$0$0$18,194,402
94$22,915,257$0$0$19,931,774
95$25,110,820$0$0$21,842,627
96$27,525,865$0$0$23,944,538
97$30,182,636$0$0$26,256,874
98$33,105,646$0$0$28,800,973
99$36,321,901$0$0$31,600,346
100$39,861,158$0$0$34,680,898