Can I retire at age 52 with 825,000?

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 $825,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.7%
1 years$68,128$67,521$66,929$66,351$65,787$65,046
2 years$33,727$33,098$32,490$31,899$31,327$30,581
3 years$22,261$21,630$21,023$20,438$19,875$19,147
4 years$16,529$15,900$15,299$14,725$14,175$13,471
5 years$13,091$12,466$11,873$11,310$10,776$10,097
6 years$10,800$10,180$9,595$9,045$8,526$7,875
7 years$9,164$8,549$7,974$7,436$6,934$6,310
8 years$7,938$7,328$6,762$6,238$5,753$5,155
9 years$6,984$6,380$5,824$5,313$4,845$4,274
10 years$6,222$5,624$5,078$4,580$4,128$3,583
11 years$5,599$5,007$4,470$3,986$3,550$3,031
12 years$5,080$4,494$3,967$3,496$3,076$2,583
13 years$4,641$4,061$3,545$3,087$2,683$2,214
14 years$4,265$3,691$3,185$2,740$2,352$1,907
15 years$3,940$3,372$2,875$2,444$2,071$1,649
16 years$3,655$3,094$2,607$2,188$1,830$1,431
17 years$3,404$2,849$2,372$1,966$1,623$1,245
18 years$3,182$2,633$2,166$1,772$1,443$1,087
19 years$2,983$2,440$1,982$1,601$1,286$950
20 years$2,804$2,267$1,819$1,450$1,149$832
21 years$2,642$2,112$1,674$1,316$1,028$730
22 years$2,496$1,972$1,542$1,196$921$641
23 years$2,362$1,844$1,424$1,090$827$564
24 years$2,239$1,728$1,317$994$743$497
25 years$2,127$1,621$1,220$908$669$438
26 years$2,023$1,524$1,131$830$603$386
27 years$1,928$1,434$1,051$760$543$341
28 years$1,839$1,351$977$696$490$301
29 years$1,756$1,275$909$638$443$266
30 years$1,679$1,204$847$586$400$235
31 years$1,608$1,138$789$538$362$208
32 years$1,540$1,077$736$494$327$184
33 years$1,477$1,020$688$455$296$163
34 years$1,418$967$642$418$268$144
35 years$1,363$917$601$385$243$128
36 years$1,310$870$562$355$220$113
37 years$1,261$826$526$327$199$100
38 years$1,214$785$492$301$181$89
39 years$1,170$747$461$278$164$79
40 years$1,128$711$432$256$149$70
41 years$1,088$676$406$236$135$62
42 years$1,050$644$380$218$122$55
43 years$1,014$614$357$201$111$49
44 years$980$585$335$186$101$43
45 years$948$558$315$172$92$38
46 years$917$532$295$159$83$34
47 years$887$508$278$147$75$30
48 years$859$485$261$135$69$27
49 years$831$463$245$125$62$24
50 years$805$442$231$116$57$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $825,000, adding $3,895 every year, while hoping to spend $50,852 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: 47/45/8 Blend
51$825,000$825,000$825,000$825,000
52$913,168$869,443$856,655$953,923
53$952,205$857,939$831,247$970,835
54$993,519$844,168$803,283$983,544
55$1,037,289$827,964$772,625$996,158
56$1,083,711$809,152$739,126$1,008,684
57$1,132,997$787,548$702,634$1,021,132
58$1,185,381$762,956$662,990$1,033,517
59$1,241,118$735,168$620,028$1,045,861
60$1,300,487$703,967$573,574$1,058,190
61$1,363,794$669,118$523,446$1,070,538
62$1,431,374$630,378$469,455$1,082,948
63$1,503,594$587,487$411,402$1,095,471
64$1,580,856$540,170$349,080$1,108,168
65$1,663,602$488,136$282,272$1,121,114
66$1,752,316$431,081$210,754$1,134,396
67$1,847,527$368,679$134,290$1,148,116
68$1,949,819$300,588$52,633$1,162,394
69$2,059,830$226,447$0$1,177,371
70$2,178,264$145,874$0$1,196,152
71$2,305,890$58,465$0$1,220,965
72$2,443,556$0$0$1,247,548
73$2,592,190$0$0$1,294,100
74$2,752,817$0$0$1,375,767
75$2,926,559$0$0$1,464,179
76$3,114,650$0$0$1,559,974
77$3,318,448$0$0$1,663,852
78$3,539,446$0$0$1,776,587
79$3,779,286$0$0$1,899,025
80$4,039,771$0$0$2,032,101
81$4,322,888$0$0$2,176,840
82$4,630,822$0$0$2,334,374
83$4,965,976$0$0$2,505,944
84$5,330,994$0$0$2,692,918
85$5,728,786$0$0$2,896,801
86$6,162,554$0$0$3,119,251
87$6,635,824$0$0$3,362,090
88$7,152,476$0$0$3,627,326
89$7,716,779$0$0$3,917,169
90$8,333,436$0$0$4,234,051
91$9,007,623$0$0$4,580,651
92$9,745,039$0$0$4,959,918
93$10,551,958$0$0$5,375,100
94$11,435,289$0$0$5,829,772
95$12,402,643$0$0$6,327,872
96$13,462,396$0$0$6,873,739
97$14,623,776$0$0$7,472,146
98$15,896,947$0$0$8,128,356
99$17,293,099$0$0$8,848,162
100$18,824,561$0$0$9,637,946