Can I retire at age 52 with 836,000?

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 $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%18.5%
1 years$69,036$68,421$67,821$67,236$66,664$64,375
2 years$34,176$33,540$32,923$32,325$31,745$29,462
3 years$22,558$21,919$21,303$20,711$20,140$17,936
4 years$16,750$16,113$15,503$14,921$14,364$12,254
5 years$13,266$12,632$12,031$11,461$10,919$8,910
6 years$10,944$10,315$9,723$9,165$8,640$6,733
7 years$9,286$8,663$8,080$7,535$7,027$5,221
8 years$8,043$7,426$6,852$6,321$5,829$4,124
9 years$7,077$6,465$5,902$5,384$4,909$3,301
10 years$6,305$5,699$5,145$4,641$4,183$2,670
11 years$5,673$5,073$4,530$4,039$3,597$2,177
12 years$5,147$4,554$4,020$3,543$3,117$1,786
13 years$4,703$4,115$3,592$3,128$2,718$1,473
14 years$4,322$3,741$3,227$2,777$2,383$1,219
15 years$3,992$3,417$2,914$2,476$2,098$1,013
16 years$3,704$3,135$2,642$2,217$1,854$844
17 years$3,450$2,887$2,404$1,992$1,644$704
18 years$3,224$2,668$2,194$1,795$1,462$589
19 years$3,023$2,473$2,009$1,622$1,303$493
20 years$2,841$2,298$1,844$1,469$1,164$413
21 years$2,678$2,140$1,696$1,333$1,042$347
22 years$2,529$1,998$1,563$1,212$934$291
23 years$2,393$1,869$1,443$1,104$838$245
24 years$2,269$1,751$1,335$1,007$753$206
25 years$2,155$1,643$1,236$920$678$173
26 years$2,050$1,544$1,146$841$611$146
27 years$1,953$1,453$1,065$770$550$123
28 years$1,863$1,369$990$705$497$104
29 years$1,780$1,292$921$647$449$87
30 years$1,702$1,220$858$594$405$74
31 years$1,629$1,153$800$545$366$62
32 years$1,561$1,091$746$501$331$52
33 years$1,497$1,033$697$461$300$44
34 years$1,437$979$651$424$272$37
35 years$1,381$929$609$390$246$31
36 years$1,328$882$569$359$223$26
37 years$1,278$837$533$331$202$22
38 years$1,230$796$499$305$183$19
39 years$1,185$757$468$281$166$16
40 years$1,143$720$438$260$151$13
41 years$1,103$685$411$239$137$11
42 years$1,064$653$385$221$124$10
43 years$1,028$622$362$204$113$8
44 years$993$593$340$188$102$7
45 years$960$565$319$174$93$6
46 years$929$539$299$161$84$5
47 years$899$515$281$148$76$4
48 years$870$491$264$137$69$3
49 years$843$469$248$127$63$3
50 years$816$448$234$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $836,000, adding $3,169 every year, while hoping to spend $34,040 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: 39/35/26 Blend
51$836,000$836,000$836,000$836,000
52$924,541$880,233$867,275$953,357
53$982,626$887,146$860,110$981,526
54$1,045,494$893,257$851,565$1,008,568
55$1,113,599$898,491$841,556$1,037,147
56$1,187,436$902,767$829,998$1,067,425
57$1,267,552$906,000$816,801$1,099,581
58$1,354,549$908,101$801,871$1,133,814
59$1,449,087$908,972$785,108$1,170,348
60$1,551,894$908,511$766,409$1,209,429
61$1,663,770$906,611$745,666$1,251,332
62$1,785,595$903,155$722,766$1,296,364
63$1,918,338$898,022$697,591$1,344,863
64$2,063,065$891,082$670,016$1,397,209
65$2,220,949$882,196$639,914$1,453,818
66$2,393,282$871,220$607,147$1,515,158
67$2,581,486$857,999$571,576$1,581,743
68$2,787,125$842,369$533,051$1,654,148
69$3,011,923$824,156$491,420$1,733,007
70$3,257,777$803,177$446,519$1,819,026
71$3,526,774$779,237$398,182$1,912,984
72$3,821,216$752,130$346,232$2,015,748
73$4,143,633$721,638$290,484$2,128,277
74$4,496,816$687,531$230,748$2,251,633
75$4,883,836$649,564$166,822$2,386,993
76$5,308,074$607,480$98,498$2,535,659
77$5,773,257$561,005$25,556$2,699,075
78$6,283,486$509,852$0$2,878,836
79$6,843,282$453,714$0$3,091,214
80$7,457,621$392,271$0$3,332,167
81$8,131,987$325,181$0$3,596,829
82$8,872,420$252,085$0$3,887,663
83$9,685,573$172,603$0$4,207,388
84$10,578,774$86,334$0$4,559,007
85$11,560,098$0$0$4,945,833
86$12,638,439$0$0$5,374,277
87$13,823,596$0$0$5,881,823
88$15,126,365$0$0$6,439,859
89$16,558,637$0$0$7,053,495
90$18,133,517$0$0$7,728,360
91$19,865,441$0$0$8,470,657
92$21,770,313$0$0$9,287,219
93$23,865,658$0$0$10,185,576
94$26,170,784$0$0$11,174,023
95$28,706,963$0$0$12,261,702
96$31,497,636$0$0$13,458,685
97$34,568,628$0$0$14,776,067
98$37,948,396$0$0$16,226,077
99$41,668,294$0$0$17,822,188
100$45,762,870$0$0$19,579,246