Can I retire at age 52 with 828,000?

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 $828,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$68,375$67,766$67,172$66,592$66,026$64,118
2 years$33,849$33,219$32,608$32,015$31,441$29,534
3 years$22,342$21,709$21,099$20,513$19,947$18,101
4 years$16,590$15,958$15,355$14,778$14,227$12,455
5 years$13,139$12,512$11,916$11,351$10,815$9,123
6 years$10,839$10,217$9,630$9,078$8,557$6,947
7 years$9,197$8,580$8,003$7,463$6,959$5,430
8 years$7,966$7,355$6,787$6,261$5,774$4,324
9 years$7,010$6,403$5,845$5,333$4,862$3,492
10 years$6,244$5,644$5,096$4,597$4,143$2,849
11 years$5,619$5,025$4,487$4,001$3,563$2,344
12 years$5,098$4,510$3,982$3,509$3,088$1,941
13 years$4,658$4,076$3,557$3,098$2,692$1,616
14 years$4,280$3,705$3,196$2,750$2,360$1,351
15 years$3,954$3,384$2,886$2,453$2,078$1,133
16 years$3,668$3,105$2,617$2,196$1,837$953
17 years$3,417$2,860$2,381$1,973$1,628$804
18 years$3,193$2,642$2,173$1,778$1,448$679
19 years$2,994$2,449$1,990$1,607$1,291$575
20 years$2,814$2,276$1,826$1,455$1,153$487
21 years$2,652$2,120$1,680$1,321$1,032$413
22 years$2,505$1,979$1,548$1,201$925$351
23 years$2,370$1,851$1,429$1,094$830$298
24 years$2,248$1,734$1,322$997$746$254
25 years$2,135$1,627$1,224$911$671$216
26 years$2,031$1,529$1,136$833$605$184
27 years$1,935$1,439$1,054$762$545$157
28 years$1,845$1,356$980$698$492$134
29 years$1,763$1,279$912$641$444$114
30 years$1,685$1,208$850$588$401$97
31 years$1,613$1,142$792$540$363$83
32 years$1,546$1,081$739$496$328$71
33 years$1,483$1,024$690$456$297$60
34 years$1,423$970$645$420$269$51
35 years$1,368$920$603$386$244$44
36 years$1,315$873$564$356$221$37
37 years$1,265$829$528$328$200$32
38 years$1,218$788$494$302$181$27
39 years$1,174$750$463$279$164$23
40 years$1,132$713$434$257$149$20
41 years$1,092$679$407$237$135$17
42 years$1,054$647$382$219$123$14
43 years$1,018$616$358$202$111$12
44 years$984$587$336$187$101$11
45 years$951$560$316$172$92$9
46 years$920$534$297$159$83$8
47 years$890$510$279$147$76$7
48 years$862$487$262$136$69$6
49 years$834$465$246$126$62$5
50 years$808$444$231$116$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $828,000, adding $4,560 every year, while hoping to spend $31,346 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: 46/39/15 Blend
51$828,000$828,000$828,000$828,000
52$917,160$873,276$860,442$955,248
53$977,358$882,714$855,915$991,628
54$1,042,646$891,565$850,185$1,027,531
55$1,113,510$899,765$843,180$1,065,799
56$1,190,484$907,250$834,823$1,106,664
57$1,274,156$913,948$825,032$1,150,384
58$1,365,174$919,785$813,725$1,197,242
59$1,464,248$924,681$800,811$1,247,553
60$1,572,163$928,552$786,200$1,301,666
61$1,689,780$931,307$769,794$1,359,965
62$1,818,047$932,851$751,491$1,422,876
63$1,958,008$933,082$731,187$1,490,870
64$2,110,813$931,891$708,770$1,564,470
65$2,277,727$929,164$684,124$1,644,250
66$2,460,141$924,779$657,129$1,730,849
67$2,659,590$918,607$627,656$1,824,971
68$2,877,760$910,511$595,575$1,927,396
69$3,116,511$900,345$560,746$2,038,984
70$3,377,888$887,956$523,024$2,160,688
71$3,664,147$873,179$482,259$2,293,559
72$3,977,767$855,843$438,293$2,438,762
73$4,321,483$835,763$390,959$2,597,580
74$4,698,305$812,745$340,087$2,771,434
75$5,111,547$786,585$285,495$2,961,893
76$5,564,862$757,065$226,996$3,170,689
77$6,062,270$723,953$164,393$3,399,736
78$6,608,203$687,008$97,481$3,651,150
79$7,207,540$645,972$26,047$3,927,265
80$7,865,656$600,571$0$4,230,661
81$8,588,472$550,519$0$4,572,217
82$9,382,512$495,511$0$4,952,017
83$10,254,962$435,224$0$5,369,399
84$11,213,738$369,320$0$5,828,236
85$12,267,562$297,439$0$6,332,802
86$13,426,041$219,201$0$6,887,813
87$14,699,761$134,206$0$7,498,469
88$16,100,385$42,031$0$8,170,510
89$17,640,762$0$0$8,910,267
90$19,335,049$0$0$9,749,515
91$21,198,844$0$0$10,692,678
92$23,249,331$0$0$11,730,427
93$25,505,447$0$0$12,872,361
94$27,988,054$0$0$14,129,053
95$30,720,140$0$0$15,512,155
96$33,727,034$0$0$17,034,504
97$37,036,645$0$0$18,710,246
98$40,679,723$0$0$20,554,968
99$44,690,154$0$0$22,585,844
100$49,105,273$0$0$24,821,798