Can I retire at age 52 with 833,000?

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 $833,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$68,788$68,176$67,578$66,994$66,425$64,766
2 years$34,054$33,419$32,805$32,209$31,631$29,970
3 years$22,477$21,840$21,227$20,637$20,068$18,458
4 years$16,690$16,055$15,448$14,867$14,313$12,765
5 years$13,218$12,587$11,988$11,420$10,880$9,399
6 years$10,905$10,278$9,688$9,132$8,609$7,196
7 years$9,253$8,632$8,051$7,508$7,002$5,657
8 years$8,015$7,399$6,828$6,298$5,808$4,531
9 years$7,052$6,442$5,881$5,365$4,892$3,681
10 years$6,282$5,678$5,127$4,625$4,168$3,023
11 years$5,653$5,055$4,514$4,025$3,584$2,503
12 years$5,129$4,537$4,006$3,530$3,106$2,086
13 years$4,686$4,100$3,579$3,117$2,709$1,749
14 years$4,306$3,727$3,216$2,767$2,374$1,472
15 years$3,978$3,405$2,903$2,467$2,091$1,243
16 years$3,691$3,124$2,632$2,209$1,848$1,054
17 years$3,437$2,877$2,395$1,985$1,638$895
18 years$3,213$2,658$2,187$1,789$1,457$762
19 years$3,012$2,464$2,002$1,616$1,298$650
20 years$2,831$2,289$1,837$1,464$1,160$555
21 years$2,668$2,133$1,690$1,329$1,038$474
22 years$2,520$1,991$1,557$1,208$930$406
23 years$2,385$1,862$1,438$1,100$835$348
24 years$2,261$1,744$1,330$1,003$751$298
25 years$2,148$1,637$1,232$916$675$256
26 years$2,043$1,539$1,142$838$608$220
27 years$1,946$1,448$1,061$767$549$189
28 years$1,857$1,364$986$703$495$162
29 years$1,773$1,287$918$644$447$139
30 years$1,696$1,216$855$591$404$120
31 years$1,623$1,149$797$543$365$103
32 years$1,555$1,087$744$499$330$89
33 years$1,492$1,030$694$459$299$76
34 years$1,432$976$649$422$271$66
35 years$1,376$926$606$389$245$56
36 years$1,323$879$567$358$222$49
37 years$1,273$834$531$330$201$42
38 years$1,226$793$497$304$182$36
39 years$1,181$754$466$280$165$31
40 years$1,139$717$437$259$150$27
41 years$1,099$683$409$239$136$23
42 years$1,061$650$384$220$124$20
43 years$1,024$620$360$203$112$17
44 years$990$591$338$188$102$15
45 years$957$563$318$173$92$13
46 years$925$537$298$160$84$11
47 years$895$513$280$148$76$9
48 years$867$490$263$137$69$8
49 years$839$467$248$126$63$7
50 years$813$447$233$117$57$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $833,000, adding $3,511 every year, while hoping to spend $45,258 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: 79/7/14 Blend
51$833,000$833,000$833,000$833,000
52$921,588$877,439$864,527$991,513
53$967,435$872,279$845,335$1,032,864
54$1,016,443$865,350$823,982$1,072,065
55$1,068,884$856,516$800,350$1,113,790
56$1,125,061$845,636$774,312$1,158,274
57$1,185,303$832,558$745,737$1,205,772
58$1,249,972$817,121$714,488$1,256,569
59$1,319,466$799,157$680,420$1,310,978
60$1,394,222$778,486$643,385$1,369,344
61$1,474,718$754,918$603,223$1,432,048
62$1,561,481$728,250$559,773$1,499,509
63$1,655,088$698,270$512,861$1,572,191
64$1,756,175$664,753$462,310$1,650,603
65$1,865,439$627,460$407,932$1,735,309
66$1,983,647$586,139$349,531$1,826,930
67$2,111,642$540,524$286,903$1,926,150
68$2,250,352$490,331$219,836$2,033,726
69$2,400,794$435,264$148,107$2,150,490
70$2,564,090$375,006$71,484$2,277,362
71$2,741,472$309,227$0$2,415,355
72$2,934,296$237,573$0$2,567,124
73$3,144,054$159,674$0$2,743,862
74$3,372,387$75,137$0$2,936,278
75$3,621,100$0$0$3,145,915
76$3,892,181$0$0$3,375,737
77$4,187,817$0$0$3,632,711
78$4,510,414$0$0$3,913,144
79$4,862,623$0$0$4,219,344
80$5,247,360$0$0$4,553,849
81$5,667,835$0$0$4,919,453
82$6,127,585$0$0$5,319,233
83$6,630,500$0$0$5,756,578
84$7,180,866$0$0$6,235,218
85$7,783,402$0$0$6,759,261
86$8,443,305$0$0$7,333,230
87$9,166,297$0$0$7,962,106
88$9,958,680$0$0$8,651,375
89$10,827,394$0$0$9,407,079
90$11,780,085$0$0$10,235,873
91$12,825,172$0$0$11,145,086
92$13,971,928$0$0$12,142,791
93$15,230,569$0$0$13,237,881
94$16,612,346$0$0$14,440,150
95$18,129,656$0$0$15,760,389
96$19,796,150$0$0$17,210,483
97$21,626,871$0$0$18,803,527
98$23,638,388$0$0$20,553,946
99$25,848,956$0$0$22,477,629
100$28,278,684$0$0$24,592,084