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%14.6%
1 years$68,788$68,176$67,578$66,994$66,425$65,163
2 years$34,054$33,419$32,805$32,209$31,631$30,365
3 years$22,477$21,840$21,227$20,637$20,068$18,837
4 years$16,690$16,055$15,448$14,867$14,313$13,126
5 years$13,218$12,587$11,988$11,420$10,880$9,742
6 years$10,905$10,278$9,688$9,132$8,609$7,520
7 years$9,253$8,632$8,051$7,508$7,002$5,961
8 years$8,015$7,399$6,828$6,298$5,808$4,817
9 years$7,052$6,442$5,881$5,365$4,892$3,949
10 years$6,282$5,678$5,127$4,625$4,168$3,273
11 years$5,653$5,055$4,514$4,025$3,584$2,736
12 years$5,129$4,537$4,006$3,530$3,106$2,303
13 years$4,686$4,100$3,579$3,117$2,709$1,949
14 years$4,306$3,727$3,216$2,767$2,374$1,658
15 years$3,978$3,405$2,903$2,467$2,091$1,415
16 years$3,691$3,124$2,632$2,209$1,848$1,212
17 years$3,437$2,877$2,395$1,985$1,638$1,041
18 years$3,213$2,658$2,187$1,789$1,457$896
19 years$3,012$2,464$2,002$1,616$1,298$772
20 years$2,831$2,289$1,837$1,464$1,160$667
21 years$2,668$2,133$1,690$1,329$1,038$577
22 years$2,520$1,991$1,557$1,208$930$499
23 years$2,385$1,862$1,438$1,100$835$433
24 years$2,261$1,744$1,330$1,003$751$376
25 years$2,148$1,637$1,232$916$675$326
26 years$2,043$1,539$1,142$838$608$283
27 years$1,946$1,448$1,061$767$549$246
28 years$1,857$1,364$986$703$495$214
29 years$1,773$1,287$918$644$447$186
30 years$1,696$1,216$855$591$404$162
31 years$1,623$1,149$797$543$365$141
32 years$1,555$1,087$744$499$330$123
33 years$1,492$1,030$694$459$299$107
34 years$1,432$976$649$422$271$93
35 years$1,376$926$606$389$245$81
36 years$1,323$879$567$358$222$71
37 years$1,273$834$531$330$201$62
38 years$1,226$793$497$304$182$54
39 years$1,181$754$466$280$165$47
40 years$1,139$717$437$259$150$41
41 years$1,099$683$409$239$136$36
42 years$1,061$650$384$220$124$31
43 years$1,024$620$360$203$112$27
44 years$990$591$338$188$102$24
45 years$957$563$318$173$92$21
46 years$925$537$298$160$84$18
47 years$895$513$280$148$76$16
48 years$867$490$263$137$69$14
49 years$839$467$248$126$63$12
50 years$813$447$233$117$57$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $833,000, adding $6,421 every year, while hoping to spend $30,416 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: 65/16/19 Blend
51$833,000$833,000$833,000$833,000
52$924,589$880,440$867,529$979,875
53$986,535$891,219$864,229$1,028,547
54$1,053,780$901,507$859,798$1,077,653
55$1,126,832$911,248$854,168$1,130,594
56$1,206,251$920,381$847,265$1,187,747
57$1,292,652$928,843$839,012$1,249,525
58$1,386,711$936,565$829,328$1,316,388
59$1,489,174$943,476$818,129$1,388,839
60$1,600,861$949,497$805,327$1,467,435
61$1,722,673$954,547$790,830$1,552,792
62$1,855,604$958,537$774,540$1,645,586
63$2,000,745$961,376$756,357$1,746,566
64$2,159,301$962,963$736,175$1,856,555
65$2,332,596$963,194$713,883$1,976,463
66$2,522,088$961,958$689,366$2,107,293
67$2,729,382$959,135$662,501$2,250,152
68$2,956,247$954,601$633,162$2,406,260
69$3,204,629$948,221$601,218$2,576,962
70$3,476,671$939,853$566,529$2,763,745
71$3,774,735$929,349$528,950$2,968,245
72$4,101,419$916,549$488,332$3,192,268
73$4,459,587$901,283$444,514$3,437,805
74$4,852,394$883,374$397,334$3,707,055
75$5,283,311$862,633$346,617$4,002,438
76$5,756,164$838,858$292,185$4,326,626
77$6,275,169$811,838$233,849$4,682,566
78$6,844,966$781,347$171,413$5,073,507
79$7,470,669$747,150$104,671$5,503,031
80$8,157,910$708,993$33,411$5,975,088
81$8,912,894$666,611$0$6,494,036
82$9,742,458$619,724$0$7,073,320
83$10,654,132$568,033$0$7,717,386
84$11,656,211$511,225$0$8,425,341
85$12,757,836$448,966$0$9,203,677
86$13,969,077$380,907$0$10,059,547
87$15,301,027$306,676$0$11,000,835
88$16,765,910$225,881$0$12,036,231
89$18,377,193$138,109$0$13,175,312
90$20,149,713$42,923$0$14,428,631
91$22,099,819$0$0$15,807,822
92$24,245,523$0$0$17,336,293
93$26,606,671$0$0$19,026,614
94$29,205,132$0$0$20,886,892
95$32,065,000$0$0$22,934,384
96$35,212,825$0$0$25,188,107
97$38,677,859$0$0$27,669,013
98$42,492,337$0$0$30,400,192
99$46,691,775$0$0$33,407,082
100$51,315,311$0$0$36,717,716