Can I retire at age 52 with 822,000?

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 $822,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$67,880$67,275$66,685$66,110$65,547$64,515
2 years$33,604$32,978$32,372$31,783$31,213$30,175
3 years$22,180$21,552$20,947$20,364$19,803$18,792
4 years$16,469$15,843$15,244$14,671$14,124$13,148
5 years$13,044$12,421$11,830$11,269$10,737$9,799
6 years$10,761$10,143$9,560$9,012$8,495$7,597
7 years$9,131$8,518$7,945$7,409$6,909$6,049
8 years$7,909$7,301$6,738$6,215$5,732$4,911
9 years$6,959$6,357$5,803$5,294$4,827$4,045
10 years$6,199$5,603$5,059$4,564$4,113$3,369
11 years$5,578$4,988$4,454$3,972$3,537$2,831
12 years$5,061$4,477$3,953$3,484$3,065$2,395
13 years$4,624$4,046$3,532$3,076$2,673$2,038
14 years$4,249$3,678$3,173$2,730$2,343$1,743
15 years$3,925$3,360$2,865$2,435$2,063$1,496
16 years$3,642$3,083$2,598$2,180$1,823$1,288
17 years$3,392$2,839$2,364$1,959$1,617$1,112
18 years$3,170$2,623$2,158$1,765$1,437$963
19 years$2,972$2,431$1,975$1,595$1,281$835
20 years$2,794$2,259$1,813$1,445$1,144$726
21 years$2,633$2,104$1,667$1,311$1,024$631
22 years$2,487$1,964$1,537$1,192$918$550
23 years$2,353$1,837$1,419$1,086$824$480
24 years$2,231$1,721$1,312$990$741$419
25 years$2,119$1,615$1,215$904$666$366
26 years$2,016$1,518$1,127$827$600$320
27 years$1,921$1,429$1,047$757$541$280
28 years$1,832$1,346$973$693$488$245
29 years$1,750$1,270$906$636$441$215
30 years$1,673$1,200$843$584$398$188
31 years$1,602$1,134$786$536$360$165
32 years$1,535$1,073$734$493$326$145
33 years$1,472$1,016$685$453$295$127
34 years$1,413$963$640$417$267$111
35 years$1,358$913$598$384$242$98
36 years$1,306$867$560$353$219$86
37 years$1,256$823$524$326$199$75
38 years$1,210$783$491$300$180$66
39 years$1,166$744$460$277$163$58
40 years$1,124$708$431$255$148$51
41 years$1,084$674$404$235$134$45
42 years$1,047$642$379$217$122$39
43 years$1,011$612$356$201$111$34
44 years$977$583$334$185$100$30
45 years$944$556$313$171$91$27
46 years$913$530$294$158$83$23
47 years$884$506$277$146$75$21
48 years$855$483$260$135$68$18
49 years$828$461$244$125$62$16
50 years$803$441$230$115$56$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $822,000, adding $4,234 every year, while hoping to spend $49,462 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: 23/50/27 Blend
51$822,000$822,000$822,000$822,000
52$910,211$866,645$853,904$923,286
53$950,426$856,484$829,883$924,695
54$993,084$844,167$803,399$921,752
55$1,038,384$829,536$774,318$917,542
56$1,086,540$812,424$742,499$911,994
57$1,137,789$792,655$707,795$905,034
58$1,192,389$770,040$670,051$896,587
59$1,250,622$744,381$629,107$886,573
60$1,312,798$715,469$584,794$874,916
61$1,379,256$683,079$536,938$861,536
62$1,450,368$646,978$485,353$846,352
63$1,526,543$606,917$429,849$829,284
64$1,608,226$562,632$370,226$810,251
65$1,695,909$513,846$306,272$789,174
66$1,790,131$460,263$237,772$765,974
67$1,891,483$401,574$164,495$740,574
68$2,000,613$337,451$86,205$712,900
69$2,118,235$267,545$2,652$682,883
70$2,245,132$191,491$0$650,455
71$2,382,163$108,902$0$640,481
72$2,530,275$19,369$0$630,418
73$2,690,505$0$0$619,538
74$2,863,996$0$0$650,553
75$3,052,004$0$0$695,831
76$3,255,909$0$0$745,065
77$3,477,229$0$0$798,635
78$3,717,634$0$0$856,963
79$3,978,961$0$0$920,511
80$4,263,230$0$0$989,790
81$4,572,665$0$0$1,065,360
82$4,909,711$0$0$1,147,839
83$5,277,062$0$0$1,237,905
84$5,677,678$0$0$1,336,308
85$6,114,822$0$0$1,443,869
86$6,592,082$0$0$1,561,497
87$7,113,409$0$0$1,690,189
88$7,683,153$0$0$1,831,043
89$8,306,103$0$0$1,985,272
90$8,987,530$0$0$2,154,207
91$9,733,240$0$0$2,339,316
92$10,549,626$0$0$2,542,215
93$11,443,727$0$0$2,764,685
94$12,423,294$0$0$3,008,687
95$13,496,864$0$0$3,276,381
96$14,673,840$0$0$3,570,144
97$15,964,577$0$0$3,892,598
98$17,380,480$0$0$4,246,629
99$18,934,112$0$0$4,635,416
100$20,639,310$0$0$5,062,461