Can I retire at age 52 with 824,000?

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 $824,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$68,045$67,439$66,848$66,271$65,707$63,502
2 years$33,686$33,058$32,450$31,861$31,289$29,089
3 years$22,234$21,604$20,998$20,414$19,851$17,726
4 years$16,509$15,881$15,281$14,707$14,158$12,123
5 years$13,075$12,451$11,859$11,296$10,763$8,824
6 years$10,787$10,167$9,583$9,034$8,516$6,675
7 years$9,153$8,538$7,964$7,427$6,926$5,182
8 years$7,928$7,319$6,754$6,230$5,746$4,098
9 years$6,976$6,373$5,817$5,307$4,839$3,285
10 years$6,214$5,617$5,072$4,575$4,123$2,660
11 years$5,592$5,001$4,465$3,981$3,546$2,172
12 years$5,073$4,488$3,963$3,492$3,073$1,784
13 years$4,635$4,056$3,540$3,083$2,679$1,473
14 years$4,260$3,687$3,181$2,737$2,349$1,221
15 years$3,935$3,368$2,872$2,441$2,068$1,016
16 years$3,651$3,090$2,604$2,185$1,828$847
17 years$3,400$2,846$2,369$1,964$1,621$708
18 years$3,178$2,630$2,163$1,770$1,441$593
19 years$2,979$2,437$1,980$1,599$1,284$497
20 years$2,801$2,265$1,817$1,448$1,147$418
21 years$2,639$2,110$1,671$1,314$1,027$351
22 years$2,493$1,969$1,541$1,195$920$295
23 years$2,359$1,842$1,422$1,088$826$249
24 years$2,237$1,726$1,315$993$742$210
25 years$2,124$1,619$1,218$906$668$177
26 years$2,021$1,522$1,130$829$602$149
27 years$1,925$1,432$1,049$759$543$126
28 years$1,837$1,350$975$695$490$106
29 years$1,754$1,273$908$637$442$90
30 years$1,677$1,202$846$585$399$76
31 years$1,606$1,137$788$537$361$64
32 years$1,539$1,076$735$494$327$54
33 years$1,476$1,019$687$454$296$46
34 years$1,417$965$642$418$268$38
35 years$1,361$916$600$385$242$33
36 years$1,309$869$561$354$220$27
37 years$1,259$825$525$326$199$23
38 years$1,213$784$492$301$180$20
39 years$1,168$746$461$277$164$17
40 years$1,127$710$432$256$148$14
41 years$1,087$676$405$236$135$12
42 years$1,049$643$380$218$122$10
43 years$1,013$613$357$201$111$8
44 years$979$584$335$186$101$7
45 years$946$557$314$171$91$6
46 years$915$532$295$158$83$5
47 years$886$507$277$146$75$4
48 years$857$484$261$135$68$4
49 years$830$462$245$125$62$3
50 years$805$442$230$116$56$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $824,000, adding $5,371 every year, while hoping to spend $35,074 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: 33/39/28 Blend
51$824,000$824,000$824,000$824,000
52$913,588$869,916$857,144$935,823
53$969,456$875,224$848,540$958,485
54$1,029,846$879,616$838,472$979,403
55$1,095,184$883,010$826,854$1,001,266
56$1,165,935$885,320$813,597$1,024,182
57$1,242,613$886,454$798,605$1,048,272
58$1,325,782$886,312$781,780$1,073,672
59$1,416,060$884,790$763,018$1,100,537
60$1,514,132$881,778$742,213$1,129,036
61$1,620,746$877,157$719,249$1,159,363
62$1,736,728$870,804$694,010$1,191,732
63$1,862,986$862,585$666,371$1,226,383
64$2,000,519$852,361$636,204$1,263,585
65$2,150,428$839,982$603,372$1,303,638
66$2,313,921$825,291$567,735$1,346,878
67$2,492,332$808,121$529,145$1,393,676
68$2,687,126$788,295$487,447$1,444,450
69$2,899,916$765,625$442,480$1,499,663
70$3,132,481$739,914$394,077$1,559,832
71$3,386,776$710,952$342,060$1,625,531
72$3,664,954$678,516$286,246$1,697,400
73$3,969,388$642,371$226,444$1,776,149
74$4,302,688$602,269$162,452$1,862,569
75$4,667,729$557,948$94,062$1,957,537
76$5,067,680$509,130$21,055$2,062,028
77$5,506,026$455,520$0$2,177,125
78$5,986,609$396,809$0$2,321,016
79$6,513,659$332,668$0$2,485,862
80$7,091,835$262,752$0$2,666,920
81$7,726,269$186,694$0$2,865,905
82$8,422,615$104,108$0$3,084,715
83$9,187,097$14,585$0$3,325,445
84$10,026,577$0$0$3,590,415
85$10,948,609$0$0$3,917,505
86$11,961,516$0$0$4,283,841
87$13,074,469$0$0$4,686,496
88$14,297,569$0$0$5,129,141
89$15,641,944$0$0$5,615,821
90$17,119,856$0$0$6,150,994
91$18,744,810$0$0$6,739,569
92$20,531,691$0$0$7,386,955
93$22,496,893$0$0$8,099,113
94$24,658,480$0$0$8,882,609
95$27,036,358$0$0$9,744,680
96$29,652,454$0$0$10,693,298
97$32,530,931$0$0$11,737,246
98$35,698,412$0$0$12,886,204
99$39,184,229$0$0$14,150,837
100$43,020,705$0$0$15,542,894