Can I retire at age 52 with 821,000?

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 $821,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$67,797$67,194$66,604$66,029$65,468$63,653
2 years$33,563$32,938$32,332$31,745$31,175$29,360
3 years$22,153$21,525$20,921$20,339$19,779$18,021
4 years$16,449$15,823$15,225$14,653$14,106$12,419
5 years$13,028$12,406$11,815$11,255$10,723$9,111
6 years$10,748$10,130$9,549$9,001$8,485$6,949
7 years$9,120$8,507$7,935$7,400$6,901$5,441
8 years$7,899$7,292$6,729$6,208$5,725$4,340
9 years$6,950$6,349$5,796$5,288$4,821$3,511
10 years$6,192$5,597$5,053$4,558$4,108$2,871
11 years$5,571$4,982$4,449$3,967$3,533$2,366
12 years$5,055$4,472$3,948$3,479$3,061$1,963
13 years$4,618$4,041$3,527$3,072$2,670$1,638
14 years$4,244$3,673$3,169$2,727$2,340$1,372
15 years$3,920$3,356$2,862$2,432$2,061$1,153
16 years$3,637$3,079$2,594$2,177$1,821$972
17 years$3,388$2,835$2,361$1,956$1,615$822
18 years$3,166$2,620$2,155$1,763$1,436$696
19 years$2,968$2,428$1,973$1,593$1,280$590
20 years$2,790$2,256$1,811$1,443$1,143$501
21 years$2,630$2,102$1,665$1,310$1,023$426
22 years$2,484$1,962$1,535$1,191$917$363
23 years$2,350$1,835$1,417$1,084$823$309
24 years$2,229$1,719$1,311$989$740$264
25 years$2,117$1,613$1,214$903$666$225
26 years$2,014$1,516$1,126$826$600$192
27 years$1,918$1,427$1,045$756$541$164
28 years$1,830$1,345$972$693$488$140
29 years$1,748$1,269$904$635$440$120
30 years$1,671$1,198$842$583$398$102
31 years$1,600$1,133$785$535$360$87
32 years$1,533$1,072$733$492$325$75
33 years$1,470$1,015$684$452$295$64
34 years$1,411$962$639$416$267$55
35 years$1,356$912$598$383$242$47
36 years$1,304$866$559$353$219$40
37 years$1,255$822$523$325$198$34
38 years$1,208$782$490$300$180$29
39 years$1,164$743$459$276$163$25
40 years$1,122$707$430$255$148$21
41 years$1,083$673$404$235$134$18
42 years$1,045$641$379$217$122$16
43 years$1,009$611$355$200$111$13
44 years$975$582$333$185$100$12
45 years$943$555$313$171$91$10
46 years$912$530$294$158$83$8
47 years$883$505$276$146$75$7
48 years$854$482$260$135$68$6
49 years$827$461$244$125$62$5
50 years$802$440$229$115$56$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $821,000, adding $3,700 every year, while hoping to spend $52,699 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: 59/36/5 Blend
51$821,000$821,000$821,000$821,000
52$908,559$865,046$852,320$961,143
53$945,160$851,361$824,801$983,111
54$983,729$835,241$794,595$1,000,680
55$1,024,410$816,508$761,554$1,018,493
56$1,067,361$794,978$725,528$1,036,576
57$1,112,755$770,455$686,355$1,054,959
58$1,160,779$742,730$643,872$1,073,677
59$1,211,639$711,585$597,902$1,092,772
60$1,265,559$676,786$548,265$1,112,293
61$1,322,785$638,087$494,771$1,132,296
62$1,383,584$595,228$437,221$1,152,847
63$1,448,250$547,935$375,408$1,174,023
64$1,517,103$495,915$309,116$1,195,911
65$1,590,495$438,863$238,118$1,218,612
66$1,668,811$376,452$162,180$1,242,242
67$1,752,471$308,339$81,055$1,266,932
68$1,841,938$234,163$0$1,292,833
69$1,937,718$153,539$0$1,320,410
70$2,040,366$66,064$0$1,354,196
71$2,150,492$0$0$1,390,099
72$2,268,765$0$0$1,439,746
73$2,395,917$0$0$1,521,304
74$2,532,754$0$0$1,609,124
75$2,680,161$0$0$1,703,780
76$2,839,109$0$0$1,805,903
77$3,010,666$0$0$1,916,185
78$3,196,003$0$0$2,035,386
79$3,396,409$0$0$2,164,345
80$3,613,301$0$0$2,303,980
81$3,848,236$0$0$2,455,302
82$4,102,924$0$0$2,619,423
83$4,379,249$0$0$2,797,565
84$4,679,281$0$0$2,991,073
85$5,005,296$0$0$3,201,426
86$5,359,800$0$0$3,430,250
87$5,745,549$0$0$3,679,337
88$6,165,573$0$0$3,950,655
89$6,623,211$0$0$4,246,372
90$7,122,133$0$0$4,568,874
91$7,666,381$0$0$4,920,787
92$8,260,402$0$0$5,305,000
93$8,909,093$0$0$5,724,695
94$9,617,844$0$0$6,183,374
95$10,392,588$0$0$6,684,894
96$11,239,859$0$0$7,233,499
97$12,166,848$0$0$7,833,864
98$13,181,477$0$0$8,491,137
99$14,292,467$0$0$9,210,986
100$15,509,422$0$0$9,999,653