Can I retire at age 52 with 827,000?

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 $827,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$68,293$67,685$67,091$66,512$65,946$65,366
2 years$33,808$33,179$32,568$31,977$31,403$30,819
3 years$22,315$21,683$21,074$20,488$19,923$19,353
4 years$16,569$15,939$15,336$14,760$14,209$13,657
5 years$13,123$12,496$11,902$11,337$10,802$10,269
6 years$10,826$10,204$9,618$9,067$8,547$8,034
7 years$9,186$8,570$7,993$7,454$6,951$6,459
8 years$7,957$7,346$6,779$6,253$5,767$5,295
9 years$7,001$6,396$5,838$5,326$4,856$4,405
10 years$6,237$5,638$5,090$4,591$4,138$3,707
11 years$5,612$5,019$4,481$3,996$3,559$3,148
12 years$5,092$4,505$3,977$3,505$3,084$2,692
13 years$4,652$4,071$3,553$3,094$2,689$2,316
14 years$4,275$3,700$3,193$2,747$2,357$2,003
15 years$3,949$3,380$2,882$2,450$2,076$1,739
16 years$3,664$3,101$2,613$2,193$1,834$1,516
17 years$3,413$2,856$2,378$1,971$1,627$1,325
18 years$3,189$2,639$2,171$1,776$1,446$1,161
19 years$2,990$2,446$1,987$1,605$1,289$1,019
20 years$2,811$2,273$1,824$1,453$1,151$897
21 years$2,649$2,117$1,678$1,319$1,030$790
22 years$2,502$1,976$1,546$1,199$924$697
23 years$2,368$1,848$1,428$1,092$829$616
24 years$2,245$1,732$1,320$996$745$545
25 years$2,132$1,625$1,223$910$671$483
26 years$2,028$1,527$1,134$832$604$428
27 years$1,932$1,438$1,053$761$545$379
28 years$1,843$1,355$979$698$491$337
29 years$1,760$1,278$911$640$444$299
30 years$1,683$1,207$849$587$401$266
31 years$1,611$1,141$791$539$362$236
32 years$1,544$1,079$738$496$328$210
33 years$1,481$1,022$689$456$297$187
34 years$1,422$969$644$419$269$166
35 years$1,366$919$602$386$243$148
36 years$1,313$872$563$355$220$132
37 years$1,264$828$527$328$200$117
38 years$1,217$787$494$302$181$104
39 years$1,173$749$463$278$164$93
40 years$1,131$712$434$257$149$83
41 years$1,091$678$406$237$135$74
42 years$1,053$646$381$219$123$66
43 years$1,017$615$358$202$111$59
44 years$983$586$336$186$101$52
45 years$950$559$315$172$92$47
46 years$919$533$296$159$83$42
47 years$889$509$278$147$76$37
48 years$861$486$261$136$69$33
49 years$833$464$246$125$62$29
50 years$807$443$231$116$57$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $827,000, adding $4,144 every year, while hoping to spend $48,100 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: 40/49/11 Blend
51$827,000$827,000$827,000$827,000
52$915,629$871,798$858,979$949,082
53$957,845$863,338$836,577$964,594
54$1,002,755$852,851$811,812$976,295
55$1,050,583$840,188$784,555$987,884
56$1,101,574$825,189$754,669$999,371
57$1,155,997$807,685$722,013$1,010,772
58$1,214,146$787,499$686,438$1,022,109
59$1,276,343$764,441$647,788$1,033,409
60$1,342,943$738,312$605,902$1,044,707
61$1,414,334$708,899$560,610$1,056,045
62$1,490,940$675,979$511,734$1,067,477
63$1,573,228$639,315$459,090$1,079,065
64$1,661,712$598,656$402,484$1,090,885
65$1,756,954$553,737$341,714$1,103,025
66$1,859,571$504,278$276,570$1,115,591
67$1,970,242$449,983$206,830$1,128,704
68$2,089,714$390,539$132,265$1,142,505
69$2,218,804$325,615$52,636$1,157,160
70$2,358,414$254,862$0$1,172,857
71$2,509,533$177,911$0$1,193,608
72$2,673,248$94,372$0$1,222,707
73$2,850,756$3,833$0$1,254,283
74$3,043,373$0$0$1,288,694
75$3,252,544$0$0$1,377,101
76$3,479,862$0$0$1,475,519
77$3,727,075$0$0$1,582,651
78$3,996,111$0$0$1,699,344
79$4,289,089$0$0$1,826,531
80$4,608,339$0$0$1,965,238
81$4,956,428$0$0$2,116,593
82$5,336,181$0$0$2,281,839
83$5,750,705$0$0$2,462,346
84$6,203,424$0$0$2,659,618
85$6,698,103$0$0$2,875,315
86$7,238,891$0$0$3,111,262
87$7,830,352$0$0$3,369,470
88$8,477,515$0$0$3,652,152
89$9,185,916$0$0$3,961,745
90$9,961,649$0$0$4,300,935
91$10,811,429$0$0$4,672,678
92$11,742,648$0$0$5,080,230
93$12,763,447$0$0$5,527,176
94$13,882,794$0$0$6,017,468
95$15,110,564$0$0$6,555,454
96$16,457,637$0$0$7,145,927
97$17,935,993$0$0$7,794,165
98$19,558,832$0$0$8,505,984
99$21,340,691$0$0$9,287,788
100$23,297,586$0$0$10,146,633