Can I retire at age 52 with 838,000?

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 $838,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.2%
1 years$69,201$68,585$67,983$67,396$66,823$65,394
2 years$34,258$33,620$33,002$32,402$31,821$30,388
3 years$22,612$21,971$21,354$20,760$20,188$18,796
4 years$16,790$16,151$15,540$14,957$14,398$13,058
5 years$13,298$12,663$12,060$11,488$10,945$9,661
6 years$10,970$10,340$9,746$9,187$8,661$7,433
7 years$9,308$8,684$8,099$7,553$7,044$5,873
8 years$8,063$7,443$6,869$6,336$5,843$4,729
9 years$7,094$6,481$5,916$5,397$4,921$3,863
10 years$6,320$5,712$5,158$4,652$4,193$3,189
11 years$5,687$5,086$4,541$4,049$3,606$2,656
12 years$5,160$4,564$4,030$3,551$3,125$2,227
13 years$4,714$4,125$3,600$3,135$2,725$1,878
14 years$4,332$3,749$3,235$2,783$2,389$1,590
15 years$4,002$3,425$2,921$2,482$2,103$1,352
16 years$3,713$3,143$2,648$2,223$1,859$1,153
17 years$3,458$2,894$2,410$1,997$1,648$986
18 years$3,232$2,674$2,200$1,800$1,465$845
19 years$3,030$2,479$2,014$1,626$1,306$725
20 years$2,848$2,303$1,848$1,473$1,167$623
21 years$2,684$2,145$1,700$1,337$1,044$537
22 years$2,535$2,003$1,567$1,215$936$463
23 years$2,399$1,873$1,447$1,107$840$399
24 years$2,275$1,755$1,338$1,009$755$345
25 years$2,160$1,647$1,239$922$679$298
26 years$2,055$1,548$1,149$843$612$257
27 years$1,958$1,457$1,067$772$552$223
28 years$1,868$1,373$992$707$498$193
29 years$1,784$1,295$923$648$450$167
30 years$1,706$1,223$860$595$406$145
31 years$1,633$1,156$802$546$367$125
32 years$1,565$1,094$748$502$332$109
33 years$1,501$1,036$698$462$301$94
34 years$1,441$982$653$425$272$82
35 years$1,384$931$610$391$247$71
36 years$1,331$884$571$360$223$61
37 years$1,281$839$534$332$202$53
38 years$1,233$798$500$306$184$46
39 years$1,188$759$469$282$166$40
40 years$1,146$722$439$260$151$35
41 years$1,105$687$412$240$137$30
42 years$1,067$654$386$222$124$26
43 years$1,030$623$363$204$113$23
44 years$996$594$340$189$102$20
45 years$963$567$320$174$93$17
46 years$931$541$300$161$84$15
47 years$901$516$282$149$77$13
48 years$872$492$265$138$70$11
49 years$845$470$249$127$63$10
50 years$818$449$234$117$57$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $838,000, adding $2,684 every year, while hoping to spend $36,706 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: 48/23/29 Blend
51$838,000$838,000$838,000$838,000
52$926,245$881,831$868,842$962,917
53$981,667$885,985$858,893$993,179
54$1,041,511$889,113$847,381$1,022,225
55$1,106,192$891,126$834,214$1,053,066
56$1,176,160$891,928$819,297$1,085,891
57$1,251,915$891,419$802,530$1,120,909
58$1,334,004$889,493$783,809$1,158,352
59$1,423,030$886,035$763,024$1,198,480
60$1,519,655$880,927$740,061$1,241,579
61$1,624,607$874,039$714,800$1,287,969
62$1,738,687$865,238$687,116$1,338,002
63$1,862,777$854,378$656,879$1,392,072
64$1,997,847$841,309$623,951$1,450,614
65$2,144,964$825,870$588,189$1,514,110
66$2,305,301$807,889$549,445$1,583,096
67$2,480,152$787,185$507,561$1,658,166
68$2,670,939$763,568$462,375$1,739,976
69$2,879,226$736,835$413,717$1,829,256
70$3,106,739$706,771$361,408$1,926,811
71$3,355,373$673,150$305,262$2,033,534
72$3,627,218$635,731$245,085$2,150,416
73$3,924,574$594,262$180,675$2,278,550
74$4,249,972$548,472$111,819$2,419,148
75$4,606,201$498,079$38,297$2,573,551
76$4,996,332$442,784$0$2,743,240
77$5,423,746$382,268$0$2,942,284
78$5,892,166$316,197$0$3,173,524
79$6,405,693$244,217$0$3,427,179
80$6,968,845$165,955$0$3,705,548
81$7,586,596$81,016$0$4,011,168
82$8,264,426$0$0$4,346,834
83$9,008,371$0$0$4,718,423
84$9,825,079$0$0$5,148,959
85$10,721,873$0$0$5,621,812
86$11,706,822$0$0$6,141,247
87$12,788,812$0$0$6,711,963
88$13,977,633$0$0$7,339,139
89$15,284,071$0$0$8,028,477
90$16,720,009$0$0$8,786,261
91$18,298,537$0$0$9,619,413
92$20,034,077$0$0$10,535,561
93$21,942,518$0$0$11,543,108
94$24,041,367$0$0$12,651,311
95$26,349,911$0$0$13,870,372
96$28,889,400$0$0$15,211,528
97$31,683,249$0$0$16,687,164
98$34,757,256$0$0$18,310,922
99$38,139,843$0$0$20,097,836
100$41,862,331$0$0$22,064,470