Can I retire at age 52 with 839,000?

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 $839,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$69,284$68,667$68,065$67,477$66,903$66,177
2 years$34,299$33,660$33,041$32,441$31,859$31,127
3 years$22,639$21,997$21,380$20,785$20,212$19,499
4 years$16,810$16,170$15,559$14,975$14,416$13,725
5 years$13,313$12,678$12,074$11,502$10,959$10,293
6 years$10,983$10,352$9,758$9,198$8,671$8,032
7 years$9,320$8,694$8,109$7,562$7,052$6,439
8 years$8,072$7,452$6,877$6,344$5,850$5,264
9 years$7,103$6,489$5,923$5,404$4,927$4,366
10 years$6,327$5,719$5,164$4,658$4,198$3,663
11 years$5,694$5,092$4,546$4,054$3,610$3,101
12 years$5,166$4,570$4,035$3,556$3,129$2,644
13 years$4,720$4,130$3,605$3,139$2,728$2,267
14 years$4,337$3,754$3,239$2,787$2,392$1,954
15 years$4,006$3,429$2,924$2,485$2,106$1,691
16 years$3,717$3,146$2,651$2,225$1,861$1,469
17 years$3,462$2,898$2,413$1,999$1,650$1,279
18 years$3,236$2,678$2,202$1,802$1,467$1,117
19 years$3,033$2,482$2,016$1,628$1,308$977
20 years$2,851$2,306$1,850$1,475$1,168$857
21 years$2,687$2,148$1,702$1,338$1,045$752
22 years$2,538$2,005$1,569$1,217$937$661
23 years$2,402$1,875$1,448$1,108$841$582
24 years$2,277$1,757$1,339$1,011$756$513
25 years$2,163$1,649$1,241$923$680$452
26 years$2,058$1,550$1,151$844$613$399
27 years$1,960$1,458$1,068$772$552$353
28 years$1,870$1,374$993$708$498$312
29 years$1,786$1,296$924$649$450$276
30 years$1,708$1,224$861$596$407$244
31 years$1,635$1,157$803$547$368$216
32 years$1,567$1,095$749$503$333$191
33 years$1,503$1,037$699$462$301$169
34 years$1,442$983$653$425$273$150
35 years$1,386$932$611$392$247$133
36 years$1,333$885$571$361$224$118
37 years$1,282$840$535$332$203$105
38 years$1,235$799$501$306$184$93
39 years$1,190$760$469$282$167$82
40 years$1,147$723$440$260$151$73
41 years$1,107$688$412$240$137$65
42 years$1,068$655$387$222$124$57
43 years$1,032$624$363$205$113$51
44 years$997$595$341$189$103$45
45 years$964$567$320$175$93$40
46 years$932$541$300$161$84$36
47 years$902$517$282$149$77$32
48 years$873$493$265$138$70$28
49 years$846$471$249$127$63$25
50 years$819$450$234$118$57$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $839,000, adding $6,888 every year, while hoping to spend $46,343 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: 46/36/18 Blend
51$839,000$839,000$839,000$839,000
52$931,683$887,216$874,211$969,465
53$977,406$881,381$854,189$990,697
54$1,026,240$873,707$831,942$1,008,525
55$1,078,452$864,054$807,349$1,026,885
56$1,134,338$852,277$780,278$1,045,847
57$1,194,219$838,217$750,596$1,065,491
58$1,258,450$821,710$718,162$1,085,908
59$1,327,418$802,580$682,827$1,107,200
60$1,401,550$780,642$644,437$1,129,485
61$1,481,314$755,700$602,832$1,152,896
62$1,567,224$727,544$557,842$1,177,584
63$1,659,843$695,956$509,291$1,203,718
64$1,759,791$660,702$456,997$1,231,491
65$1,867,749$621,536$400,765$1,261,120
66$1,984,465$578,197$340,397$1,292,848
67$2,110,761$530,409$275,681$1,326,949
68$2,247,542$477,883$206,400$1,363,731
69$2,395,802$420,309$132,325$1,403,539
70$2,556,633$357,364$53,217$1,446,760
71$2,731,237$288,702$0$1,493,828
72$2,920,936$213,961$0$1,551,220
73$3,127,184$132,759$0$1,624,783
74$3,351,582$44,689$0$1,704,943
75$3,595,889$0$0$1,792,429
76$3,862,043$0$0$1,908,130
77$4,152,175$0$0$2,053,640
78$4,468,630$0$0$2,212,446
79$4,813,991$0$0$2,385,853
80$5,191,100$0$0$2,575,302
81$5,603,086$0$0$2,782,376
82$6,053,393$0$0$3,008,821
83$6,545,814$0$0$3,256,556
84$7,084,523$0$0$3,527,697
85$7,674,117$0$0$3,824,571
86$8,319,661$0$0$4,149,743
87$9,026,727$0$0$4,506,038
88$9,801,455$0$0$4,896,565
89$10,650,607$0$0$5,324,750
90$11,581,629$0$0$5,794,364
91$12,602,721$0$0$6,309,564
92$13,722,918$0$0$6,874,925
93$14,952,168$0$0$7,495,489
94$16,301,432$0$0$8,176,810
95$17,782,781$0$0$8,925,004
96$19,409,514$0$0$9,746,810
97$21,196,279$0$0$10,649,651
98$23,159,214$0$0$11,641,704
99$25,316,098$0$0$12,731,980
100$27,686,516$0$0$13,930,402