Can I retire at age 52 with 837,000?

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 $837,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$69,119$68,503$67,902$67,316$66,744$64,867
2 years$34,217$33,580$32,962$32,363$31,783$29,906
3 years$22,585$21,945$21,329$20,736$20,164$18,347
4 years$16,770$16,132$15,522$14,939$14,381$12,637
5 years$13,282$12,648$12,046$11,474$10,932$9,266
6 years$10,957$10,328$9,735$9,176$8,650$7,063
7 years$9,297$8,673$8,090$7,544$7,035$5,527
8 years$8,053$7,434$6,861$6,329$5,836$4,407
9 years$7,086$6,473$5,909$5,391$4,915$3,563
10 years$6,312$5,706$5,152$4,647$4,188$2,911
11 years$5,680$5,079$4,535$4,044$3,602$2,398
12 years$5,153$4,559$4,025$3,547$3,121$1,989
13 years$4,708$4,120$3,596$3,132$2,722$1,658
14 years$4,327$3,745$3,231$2,780$2,386$1,388
15 years$3,997$3,421$2,917$2,479$2,101$1,166
16 years$3,708$3,139$2,645$2,220$1,857$982
17 years$3,454$2,891$2,407$1,995$1,646$829
18 years$3,228$2,671$2,197$1,797$1,464$702
19 years$3,026$2,476$2,011$1,624$1,305$595
20 years$2,845$2,300$1,846$1,471$1,165$505
21 years$2,681$2,143$1,698$1,335$1,043$429
22 years$2,532$2,000$1,565$1,214$935$365
23 years$2,396$1,871$1,445$1,105$839$311
24 years$2,272$1,753$1,336$1,008$754$265
25 years$2,158$1,645$1,238$921$679$226
26 years$2,053$1,546$1,148$842$611$192
27 years$1,956$1,455$1,066$771$551$164
28 years$1,865$1,371$991$706$497$140
29 years$1,782$1,293$922$647$449$120
30 years$1,704$1,221$859$594$406$102
31 years$1,631$1,155$801$546$367$87
32 years$1,563$1,093$747$502$332$75
33 years$1,499$1,035$698$461$300$64
34 years$1,439$981$652$424$272$54
35 years$1,383$930$609$391$246$47
36 years$1,329$883$570$360$223$40
37 years$1,279$838$534$331$202$34
38 years$1,232$797$500$306$183$29
39 years$1,187$758$468$282$166$25
40 years$1,144$721$439$260$151$21
41 years$1,104$686$411$240$137$18
42 years$1,066$654$386$221$124$16
43 years$1,029$623$362$204$113$13
44 years$994$594$340$189$102$11
45 years$961$566$319$174$93$10
46 years$930$540$300$161$84$8
47 years$900$515$282$149$77$7
48 years$871$492$265$137$70$6
49 years$844$470$249$127$63$5
50 years$817$449$234$117$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $837,000, adding $5,255 every year, while hoping to spend $37,675 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: 42/49/9 Blend
51$837,000$837,000$837,000$837,000
52$927,795$883,434$870,460$964,101
53$982,344$886,636$859,535$993,158
54$1,041,194$888,732$846,980$1,020,394
55$1,104,745$889,629$832,703$1,049,032
56$1,173,434$889,226$816,604$1,079,214
57$1,247,744$887,418$798,580$1,111,098
58$1,328,204$884,092$778,522$1,144,863
59$1,415,396$879,128$756,318$1,180,705
60$1,509,961$872,400$731,850$1,218,845
61$1,612,603$863,773$704,992$1,259,529
62$1,724,096$853,105$675,617$1,303,030
63$1,845,292$840,246$643,588$1,349,652
64$1,977,128$825,034$608,765$1,399,733
65$2,120,636$807,301$570,999$1,453,651
66$2,276,949$786,867$530,136$1,511,822
67$2,447,316$763,542$486,014$1,574,714
68$2,633,111$737,125$438,464$1,642,842
69$2,835,847$707,402$387,311$1,716,781
70$3,057,188$674,149$332,371$1,797,169
71$3,298,967$637,128$273,450$1,884,713
72$3,563,200$596,086$210,349$1,980,200
73$3,852,108$550,756$142,858$2,084,500
74$4,168,138$500,857$70,758$2,198,580
75$4,513,980$446,092$0$2,323,512
76$4,892,600$386,145$0$2,461,080
77$5,307,263$320,683$0$2,619,294
78$5,761,563$249,356$0$2,792,838
79$6,259,460$171,792$0$2,983,353
80$6,805,314$87,599$0$3,192,654
81$7,403,928$0$0$3,422,753
82$8,060,592$0$0$3,677,834
83$8,781,131$0$0$4,009,661
84$9,571,964$0$0$4,373,971
85$10,440,159$0$0$4,774,032
86$11,393,504$0$0$5,213,448
87$12,440,576$0$0$5,696,187
88$13,590,824$0$0$6,226,621
89$14,854,659$0$0$6,809,567
90$16,243,549$0$0$7,450,329
91$17,770,128$0$0$8,154,754
92$19,448,314$0$0$8,929,281
93$21,293,443$0$0$9,781,007
94$23,322,409$0$0$10,717,748
95$25,553,826$0$0$11,748,118
96$28,008,202$0$0$12,881,607
97$30,708,133$0$0$14,128,669
98$33,678,515$0$0$15,500,826
99$36,946,777$0$0$17,010,770
100$40,543,144$0$0$18,672,487