Can I retire at age 52 with 837,000?

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 $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%13.9%
1 years$69,119$68,503$67,902$67,316$66,744$65,665
2 years$34,217$33,580$32,962$32,363$31,783$30,699
3 years$22,585$21,945$21,329$20,736$20,164$19,109
4 years$16,770$16,132$15,522$14,939$14,381$13,363
5 years$13,282$12,648$12,046$11,474$10,932$9,954
6 years$10,957$10,328$9,735$9,176$8,650$7,713
7 years$9,297$8,673$8,090$7,544$7,035$6,138
8 years$8,053$7,434$6,861$6,329$5,836$4,981
9 years$7,086$6,473$5,909$5,391$4,915$4,100
10 years$6,312$5,706$5,152$4,647$4,188$3,412
11 years$5,680$5,079$4,535$4,044$3,602$2,865
12 years$5,153$4,559$4,025$3,547$3,121$2,423
13 years$4,708$4,120$3,596$3,132$2,722$2,060
14 years$4,327$3,745$3,231$2,780$2,386$1,760
15 years$3,997$3,421$2,917$2,479$2,101$1,510
16 years$3,708$3,139$2,645$2,220$1,857$1,300
17 years$3,454$2,891$2,407$1,995$1,646$1,121
18 years$3,228$2,671$2,197$1,797$1,464$970
19 years$3,026$2,476$2,011$1,624$1,305$841
20 years$2,845$2,300$1,846$1,471$1,165$730
21 years$2,681$2,143$1,698$1,335$1,043$635
22 years$2,532$2,000$1,565$1,214$935$553
23 years$2,396$1,871$1,445$1,105$839$482
24 years$2,272$1,753$1,336$1,008$754$420
25 years$2,158$1,645$1,238$921$679$367
26 years$2,053$1,546$1,148$842$611$320
27 years$1,956$1,455$1,066$771$551$280
28 years$1,865$1,371$991$706$497$245
29 years$1,782$1,293$922$647$449$214
30 years$1,704$1,221$859$594$406$188
31 years$1,631$1,155$801$546$367$164
32 years$1,563$1,093$747$502$332$144
33 years$1,499$1,035$698$461$300$126
34 years$1,439$981$652$424$272$111
35 years$1,383$930$609$391$246$97
36 years$1,329$883$570$360$223$85
37 years$1,279$838$534$331$202$75
38 years$1,232$797$500$306$183$65
39 years$1,187$758$468$282$166$57
40 years$1,144$721$439$260$151$50
41 years$1,104$686$411$240$137$44
42 years$1,066$654$386$221$124$39
43 years$1,029$623$362$204$113$34
44 years$994$594$340$189$102$30
45 years$961$566$319$174$93$26
46 years$930$540$300$161$84$23
47 years$900$515$282$149$77$20
48 years$871$492$265$137$70$18
49 years$844$470$249$127$63$16
50 years$817$449$234$117$57$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $837,000, adding $3,705 every year, while hoping to spend $47,611 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: 34/39/27 Blend
51$837,000$837,000$837,000$837,000
52$926,196$881,835$868,861$950,006
53$970,010$874,387$847,310$960,785
54$1,016,697$864,978$823,442$967,868
55$1,066,501$853,463$797,128$974,578
56$1,119,687$839,685$768,234$980,913
57$1,176,547$823,481$736,621$986,877
58$1,237,399$804,677$702,143$992,477
59$1,302,596$783,088$664,646$997,726
60$1,372,520$758,518$623,972$1,002,644
61$1,447,594$730,763$579,952$1,007,259
62$1,528,280$699,602$532,412$1,011,605
63$1,615,087$664,804$481,170$1,015,727
64$1,708,572$626,126$426,035$1,019,682
65$1,809,348$583,308$366,809$1,023,538
66$1,918,088$536,077$303,284$1,027,377
67$2,035,532$484,143$235,242$1,031,298
68$2,162,491$427,201$162,458$1,035,416
69$2,299,859$364,928$84,695$1,039,869
70$2,448,618$296,983$1,705$1,044,816
71$2,609,847$223,005$0$1,050,442
72$2,784,732$142,613$0$1,081,984
73$2,974,580$55,406$0$1,116,816
74$3,180,824$0$0$1,154,811
75$3,405,045$0$0$1,213,130
76$3,648,979$0$0$1,302,554
77$3,914,538$0$0$1,400,017
78$4,203,825$0$0$1,506,306
79$4,519,154$0$0$1,622,287
80$4,863,073$0$0$1,748,912
81$5,238,385$0$0$1,887,229
82$5,648,176$0$0$2,038,391
83$6,095,843$0$0$2,203,670
84$6,585,127$0$0$2,384,465
85$7,120,143$0$0$2,582,315
86$7,705,427$0$0$2,798,917
87$8,345,969$0$0$3,036,139
88$9,047,265$0$0$3,296,036
89$9,815,369$0$0$3,580,875
90$10,656,946$0$0$3,893,149
91$11,579,337$0$0$4,235,607
92$12,590,626$0$0$4,611,274
93$13,699,718$0$0$5,023,484
94$14,916,420$0$0$5,475,908
95$16,251,534$0$0$5,972,590
96$17,716,960$0$0$6,517,985
97$19,325,804$0$0$7,117,000
98$21,092,504$0$0$7,775,042
99$23,032,965$0$0$8,498,065
100$25,164,707$0$0$9,292,630