Can I retire at age 52 with 836,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $836,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$69,036$68,421$67,821$67,236$66,664$66,050
2 years$34,176$33,540$32,923$32,325$31,745$31,126
3 years$22,558$21,919$21,303$20,711$20,140$19,536
4 years$16,750$16,113$15,503$14,921$14,364$13,780
5 years$13,266$12,632$12,031$11,461$10,919$10,356
6 years$10,944$10,315$9,723$9,165$8,640$8,098
7 years$9,286$8,663$8,080$7,535$7,027$6,507
8 years$8,043$7,426$6,852$6,321$5,829$5,331
9 years$7,077$6,465$5,902$5,384$4,909$4,432
10 years$6,305$5,699$5,145$4,641$4,183$3,728
11 years$5,673$5,073$4,530$4,039$3,597$3,163
12 years$5,147$4,554$4,020$3,543$3,117$2,704
13 years$4,703$4,115$3,592$3,128$2,718$2,325
14 years$4,322$3,741$3,227$2,777$2,383$2,009
15 years$3,992$3,417$2,914$2,476$2,098$1,743
16 years$3,704$3,135$2,642$2,217$1,854$1,518
17 years$3,450$2,887$2,404$1,992$1,644$1,326
18 years$3,224$2,668$2,194$1,795$1,462$1,161
19 years$3,023$2,473$2,009$1,622$1,303$1,019
20 years$2,841$2,298$1,844$1,469$1,164$896
21 years$2,678$2,140$1,696$1,333$1,042$789
22 years$2,529$1,998$1,563$1,212$934$696
23 years$2,393$1,869$1,443$1,104$838$614
24 years$2,269$1,751$1,335$1,007$753$543
25 years$2,155$1,643$1,236$920$678$480
26 years$2,050$1,544$1,146$841$611$425
27 years$1,953$1,453$1,065$770$550$377
28 years$1,863$1,369$990$705$497$334
29 years$1,780$1,292$921$647$449$297
30 years$1,702$1,220$858$594$405$263
31 years$1,629$1,153$800$545$366$234
32 years$1,561$1,091$746$501$331$208
33 years$1,497$1,033$697$461$300$185
34 years$1,437$979$651$424$272$164
35 years$1,381$929$609$390$246$146
36 years$1,328$882$569$359$223$130
37 years$1,278$837$533$331$202$116
38 years$1,230$796$499$305$183$103
39 years$1,185$757$468$281$166$91
40 years$1,143$720$438$260$151$81
41 years$1,103$685$411$239$137$73
42 years$1,064$653$385$221$124$65
43 years$1,028$622$362$204$113$57
44 years$993$593$340$188$102$51
45 years$960$565$319$174$93$46
46 years$929$539$299$161$84$41
47 years$899$515$281$148$76$36
48 years$870$491$264$137$69$32
49 years$843$469$248$127$63$29
50 years$816$448$234$117$57$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $836,000, adding $2,619 every year, while hoping to spend $46,166 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: 30/49/21 Blend
51$836,000$836,000$836,000$836,000
52$923,973$879,665$866,707$945,562
53$969,099$873,649$846,622$956,223
54$1,017,279$865,790$824,316$963,366
55$1,068,778$855,950$799,667$970,083
56$1,123,883$843,982$772,546$976,364
57$1,182,911$829,729$742,818$982,205
58$1,246,209$813,026$710,343$987,605
59$1,314,155$793,698$674,973$992,568
60$1,387,169$771,559$636,554$997,104
61$1,465,708$746,412$594,926$1,001,227
62$1,550,274$718,051$549,921$1,004,961
63$1,641,421$686,254$501,362$1,008,337
64$1,739,754$650,789$449,066$1,011,397
65$1,845,942$611,410$392,842$1,014,193
66$1,960,716$567,857$332,490$1,016,791
67$2,084,881$519,854$267,801$1,019,268
68$2,219,322$467,110$198,555$1,021,722
69$2,365,012$409,318$124,526$1,024,267
70$2,523,021$346,153$45,476$1,027,037
71$2,694,526$277,271$0$1,030,192
72$2,880,820$202,310$0$1,042,629
73$3,083,327$120,886$0$1,067,292
74$3,303,613$32,596$0$1,094,289
75$3,543,400$0$0$1,123,970
76$3,804,584$0$0$1,190,693
77$4,089,251$0$0$1,282,690
78$4,399,697$0$0$1,383,143
79$4,738,449$0$0$1,492,886
80$5,108,288$0$0$1,612,835
81$5,512,276$0$0$1,744,000
82$5,953,783$0$0$1,887,494
83$6,436,521$0$0$2,044,541
84$6,964,574$0$0$2,216,489
85$7,542,442$0$0$2,404,824
86$8,175,079$0$0$2,611,179
87$8,867,938$0$0$2,837,356
88$9,627,028$0$0$3,085,338
89$10,458,963$0$0$3,357,309
90$11,371,031$0$0$3,655,675
91$12,371,254$0$0$3,983,086
92$13,468,473$0$0$4,342,461
93$14,672,421$0$0$4,737,014
94$15,993,822$0$0$5,170,288
95$17,444,487$0$0$5,646,184
96$19,037,428$0$0$6,169,000
97$20,786,978$0$0$6,743,471
98$22,708,926$0$0$7,374,812
99$24,820,664$0$0$8,068,771
100$27,141,356$0$0$8,831,679