Can I retire at age 52 with 841,000?

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 $841,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$69,449$68,830$68,227$67,638$67,063$64,683
2 years$34,381$33,740$33,120$32,518$31,935$29,563
3 years$22,693$22,050$21,431$20,835$20,261$17,971
4 years$16,850$16,209$15,596$15,010$14,450$12,260
5 years$13,345$12,708$12,103$11,529$10,985$8,900
6 years$11,009$10,377$9,781$9,220$8,692$6,714
7 years$9,342$8,715$8,128$7,580$7,069$5,197
8 years$8,091$7,470$6,893$6,359$5,864$4,098
9 years$7,120$6,504$5,937$5,416$4,939$3,275
10 years$6,343$5,733$5,176$4,669$4,208$2,644
11 years$5,707$5,104$4,557$4,063$3,619$2,151
12 years$5,178$4,581$4,044$3,564$3,136$1,762
13 years$4,731$4,140$3,613$3,147$2,735$1,450
14 years$4,348$3,763$3,247$2,793$2,397$1,198
15 years$4,016$3,437$2,931$2,491$2,111$993
16 years$3,726$3,154$2,658$2,230$1,865$825
17 years$3,470$2,905$2,418$2,004$1,654$687
18 years$3,243$2,684$2,208$1,806$1,471$573
19 years$3,041$2,487$2,021$1,632$1,311$479
20 years$2,858$2,311$1,855$1,478$1,171$401
21 years$2,694$2,153$1,706$1,341$1,048$335
22 years$2,544$2,010$1,572$1,220$939$281
23 years$2,408$1,880$1,452$1,111$843$236
24 years$2,283$1,761$1,343$1,013$758$198
25 years$2,168$1,653$1,244$925$682$166
26 years$2,063$1,553$1,153$846$614$140
27 years$1,965$1,462$1,071$774$554$117
28 years$1,874$1,378$996$709$500$99
29 years$1,790$1,300$926$651$451$83
30 years$1,712$1,227$863$597$408$70
31 years$1,639$1,160$805$548$369$59
32 years$1,570$1,098$751$504$333$49
33 years$1,506$1,040$701$463$302$41
34 years$1,446$985$655$426$273$35
35 years$1,389$935$612$393$247$29
36 years$1,336$887$573$362$224$25
37 years$1,285$842$536$333$203$21
38 years$1,238$801$502$307$184$17
39 years$1,193$761$470$283$167$15
40 years$1,150$724$441$261$152$12
41 years$1,109$689$413$241$137$10
42 years$1,071$657$388$222$125$9
43 years$1,034$626$364$205$113$7
44 years$999$596$342$189$103$6
45 years$966$569$321$175$93$5
46 years$934$543$301$162$85$4
47 years$904$518$283$149$77$4
48 years$875$494$266$138$70$3
49 years$848$472$250$128$63$3
50 years$821$451$235$118$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $841,000, adding $5,376 every year, while hoping to spend $52,663 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: 55/21/24 Blend
51$841,000$841,000$841,000$841,000
52$932,327$887,754$874,719$977,200
53$971,392$875,221$847,989$996,069
54$1,012,676$860,309$818,598$1,010,647
55$1,056,350$842,846$786,403$1,025,421
56$1,102,601$822,648$751,251$1,040,425
57$1,151,632$799,524$712,984$1,055,701
58$1,203,667$773,269$671,437$1,071,299
59$1,258,948$743,666$626,437$1,087,275
60$1,317,741$710,486$577,803$1,103,696
61$1,380,339$673,488$525,347$1,120,638
62$1,447,059$632,415$468,872$1,138,189
63$1,518,251$586,996$408,172$1,156,451
64$1,594,299$536,944$343,031$1,175,539
65$1,675,620$481,957$273,226$1,195,585
66$1,762,675$421,715$198,521$1,216,740
67$1,855,969$355,880$118,672$1,239,173
68$1,956,053$284,094$33,423$1,263,078
69$2,063,536$205,979$0$1,288,674
70$2,179,083$121,139$0$1,330,946
71$2,303,425$29,150$0$1,385,527
72$2,437,366$0$0$1,444,236
73$2,581,786$0$0$1,523,780
74$2,737,656$0$0$1,616,960
75$2,906,039$0$0$1,717,683
76$3,088,104$0$0$1,826,658
77$3,285,139$0$0$1,944,661
78$3,498,556$0$0$2,072,550
79$3,729,908$0$0$2,211,263
80$3,980,905$0$0$2,361,835
81$4,253,427$0$0$2,525,404
82$4,549,539$0$0$2,703,221
83$4,871,516$0$0$2,896,662
84$5,221,859$0$0$3,107,242
85$5,603,321$0$0$3,336,628
86$6,018,930$0$0$3,586,653
87$6,472,019$0$0$3,859,335
88$6,966,257$0$0$4,156,897
89$7,505,681$0$0$4,481,784
90$8,094,736$0$0$4,836,686
91$8,738,314$0$0$5,224,568
92$9,441,801$0$0$5,648,693
93$10,211,127$0$0$6,112,651
94$11,052,822$0$0$6,620,398
95$11,974,074$0$0$7,176,290
96$12,982,802$0$0$7,785,122
97$14,087,721$0$0$8,452,175
98$15,298,434$0$0$9,183,267
99$16,625,513$0$0$9,984,803
100$18,080,603$0$0$10,863,837