Can I retire at age 52 with 816,000?

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 $816,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$67,385$66,784$66,199$65,627$65,069$64,578
2 years$33,359$32,737$32,135$31,551$30,985$30,490
3 years$22,018$21,394$20,794$20,215$19,658$19,174
4 years$16,349$15,727$15,132$14,564$14,020$13,552
5 years$12,949$12,330$11,743$11,187$10,658$10,206
6 years$10,682$10,069$9,490$8,946$8,433$7,998
7 years$9,064$8,456$7,887$7,355$6,859$6,440
8 years$7,851$7,248$6,688$6,170$5,690$5,289
9 years$6,908$6,311$5,761$5,255$4,792$4,408
10 years$6,154$5,563$5,022$4,530$4,083$3,716
11 years$5,538$4,952$4,422$3,943$3,511$3,161
12 years$5,024$4,445$3,924$3,458$3,043$2,709
13 years$4,590$4,017$3,506$3,053$2,653$2,335
14 years$4,218$3,651$3,150$2,710$2,326$2,023
15 years$3,897$3,335$2,844$2,417$2,048$1,760
16 years$3,615$3,060$2,579$2,164$1,810$1,537
17 years$3,367$2,818$2,346$1,944$1,605$1,346
18 years$3,147$2,604$2,142$1,752$1,427$1,182
19 years$2,950$2,413$1,961$1,583$1,272$1,040
20 years$2,773$2,243$1,800$1,434$1,136$917
21 years$2,613$2,089$1,655$1,302$1,017$810
22 years$2,468$1,950$1,526$1,183$911$717
23 years$2,336$1,824$1,409$1,078$818$635
24 years$2,215$1,709$1,303$983$735$563
25 years$2,104$1,604$1,207$898$662$499
26 years$2,001$1,507$1,119$821$596$444
27 years$1,907$1,418$1,039$751$537$394
28 years$1,819$1,337$966$688$485$351
29 years$1,737$1,261$899$631$438$312
30 years$1,661$1,191$837$579$396$278
31 years$1,590$1,126$781$532$358$248
32 years$1,524$1,065$728$489$324$221
33 years$1,461$1,009$680$450$293$197
34 years$1,403$956$635$414$265$176
35 years$1,348$907$594$381$240$157
36 years$1,296$861$556$351$218$140
37 years$1,247$817$520$323$197$125
38 years$1,201$777$487$298$179$112
39 years$1,157$739$456$275$162$100
40 years$1,116$703$428$253$147$89
41 years$1,076$669$401$234$133$79
42 years$1,039$637$376$216$121$71
43 years$1,003$607$353$199$110$63
44 years$970$579$331$184$100$57
45 years$937$552$311$170$91$51
46 years$907$526$292$157$82$45
47 years$877$502$275$145$75$41
48 years$849$480$258$134$68$36
49 years$822$458$243$124$62$32
50 years$797$437$228$114$56$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $816,000, adding $5,283 every year, while hoping to spend $37,065 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: 46/48/6 Blend
51$816,000$816,000$816,000$816,000
52$904,681$861,433$848,785$944,588
53$957,522$864,207$837,783$975,341
54$1,014,510$865,874$825,169$1,004,376
55$1,076,030$866,341$810,852$1,035,002
56$1,142,502$865,509$794,733$1,067,376
57$1,214,392$863,274$776,711$1,101,674
58$1,292,208$859,522$756,679$1,138,091
59$1,376,511$854,136$734,525$1,176,845
60$1,467,916$846,990$710,133$1,218,177
61$1,567,101$837,950$683,380$1,262,357
62$1,674,810$826,875$654,138$1,309,683
63$1,791,864$813,615$622,275$1,360,487
64$1,919,164$798,011$587,651$1,415,136
65$2,057,700$779,896$550,119$1,474,041
66$2,208,565$759,090$509,528$1,537,655
67$2,372,959$735,406$465,717$1,606,482
68$2,552,204$708,644$418,521$1,681,082
69$2,747,753$678,592$367,766$1,762,074
70$2,961,208$645,027$313,271$1,850,146
71$3,194,331$607,713$254,845$1,946,062
72$3,449,061$566,399$192,291$2,050,666
73$3,727,534$520,822$125,401$2,164,895
74$4,032,102$470,701$53,961$2,289,787
75$4,365,353$415,742$0$2,426,492
76$4,730,137$355,632$0$2,577,709
77$5,129,595$290,042$0$2,747,203
78$5,567,182$218,622$0$2,933,091
79$6,046,706$141,006$0$3,137,118
80$6,572,359$56,804$0$3,361,213
81$7,148,758$0$0$3,607,512
82$7,780,990$0$0$3,896,539
83$8,474,655$0$0$4,246,667
84$9,235,925$0$0$4,631,016
85$10,071,595$0$0$5,053,032
86$10,989,153$0$0$5,516,508
87$11,996,843$0$0$6,025,622
88$13,103,753$0$0$6,584,978
89$14,319,889$0$0$7,199,648
90$15,656,277$0$0$7,875,219
91$17,125,063$0$0$8,617,847
92$18,739,628$0$0$9,434,312
93$20,514,715$0$0$10,332,085
94$22,466,566$0$0$11,319,400
95$24,613,075$0$0$12,405,323
96$26,973,957$0$0$13,599,848
97$29,570,936$0$0$14,913,985
98$32,427,944$0$0$16,359,861
99$35,571,351$0$0$17,950,844
100$39,030,212$0$0$19,701,659