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%16.6%
1 years$69,449$68,830$68,227$67,638$67,063$65,256
2 years$34,381$33,740$33,120$32,518$31,935$30,127
3 years$22,693$22,050$21,431$20,835$20,261$18,509
4 years$16,850$16,209$15,596$15,010$14,450$12,768
5 years$13,345$12,708$12,103$11,529$10,985$9,377
6 years$11,009$10,377$9,781$9,220$8,692$7,160
7 years$9,342$8,715$8,128$7,580$7,069$5,612
8 years$8,091$7,470$6,893$6,359$5,864$4,483
9 years$7,120$6,504$5,937$5,416$4,939$3,631
10 years$6,343$5,733$5,176$4,669$4,208$2,972
11 years$5,707$5,104$4,557$4,063$3,619$2,453
12 years$5,178$4,581$4,044$3,564$3,136$2,038
13 years$4,731$4,140$3,613$3,147$2,735$1,702
14 years$4,348$3,763$3,247$2,793$2,397$1,428
15 years$4,016$3,437$2,931$2,491$2,111$1,202
16 years$3,726$3,154$2,658$2,230$1,865$1,015
17 years$3,470$2,905$2,418$2,004$1,654$859
18 years$3,243$2,684$2,208$1,806$1,471$728
19 years$3,041$2,487$2,021$1,632$1,311$619
20 years$2,858$2,311$1,855$1,478$1,171$526
21 years$2,694$2,153$1,706$1,341$1,048$448
22 years$2,544$2,010$1,572$1,220$939$382
23 years$2,408$1,880$1,452$1,111$843$326
24 years$2,283$1,761$1,343$1,013$758$279
25 years$2,168$1,653$1,244$925$682$238
26 years$2,063$1,553$1,153$846$614$204
27 years$1,965$1,462$1,071$774$554$174
28 years$1,874$1,378$996$709$500$149
29 years$1,790$1,300$926$651$451$128
30 years$1,712$1,227$863$597$408$109
31 years$1,639$1,160$805$548$369$93
32 years$1,570$1,098$751$504$333$80
33 years$1,506$1,040$701$463$302$69
34 years$1,446$985$655$426$273$59
35 years$1,389$935$612$393$247$50
36 years$1,336$887$573$362$224$43
37 years$1,285$842$536$333$203$37
38 years$1,238$801$502$307$184$32
39 years$1,193$761$470$283$167$27
40 years$1,150$724$441$261$152$23
41 years$1,109$689$413$241$137$20
42 years$1,071$657$388$222$125$17
43 years$1,034$626$364$205$113$15
44 years$999$596$342$189$103$13
45 years$966$569$321$175$93$11
46 years$934$543$301$162$85$9
47 years$904$518$283$149$77$8
48 years$875$494$266$138$70$7
49 years$848$472$250$128$63$6
50 years$821$451$235$118$58$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $841,000, adding $4,240 every year, while hoping to spend $28,289 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: 52/31/17 Blend
51$841,000$841,000$841,000$841,000
52$931,156$886,583$873,547$975,052
53$996,034$899,926$872,712$1,018,970
54$1,066,582$912,975$870,900$1,063,393
55$1,143,348$925,685$868,050$1,111,087
56$1,226,936$938,010$864,095$1,162,374
57$1,318,008$949,897$858,968$1,217,604
58$1,417,297$961,294$852,595$1,277,166
59$1,525,606$972,142$844,902$1,341,489
60$1,643,820$982,380$835,808$1,411,047
61$1,772,915$991,941$825,233$1,486,361
62$1,913,961$1,000,756$813,088$1,568,009
63$2,068,142$1,008,749$799,282$1,656,627
64$2,236,755$1,015,841$783,721$1,752,917
65$2,421,234$1,021,947$766,306$1,857,655
66$2,623,154$1,026,976$746,931$1,971,696
67$2,844,251$1,030,833$725,488$2,095,986
68$3,086,436$1,033,415$701,863$2,231,564
69$3,351,814$1,034,614$675,937$2,379,583
70$3,642,703$1,034,315$647,586$2,541,311
71$3,961,657$1,032,394$616,678$2,718,148
72$4,311,487$1,028,722$583,078$2,911,640
73$4,695,291$1,023,162$546,643$3,123,491
74$5,116,479$1,015,565$507,224$3,355,583
75$5,578,810$1,005,779$464,666$3,609,992
76$6,086,423$993,636$418,807$3,889,008
77$6,643,878$978,964$369,477$4,195,156
78$7,256,198$961,577$316,498$4,531,225
79$7,928,915$941,279$259,686$4,900,289
80$8,668,126$917,864$198,847$5,305,740
81$9,480,546$891,110$133,779$5,751,319
82$10,373,573$860,786$64,272$6,241,153
83$11,355,358$826,645$0$6,779,795
84$12,434,882$788,428$0$7,374,062
85$13,622,037$745,858$0$8,040,253
86$14,927,724$698,644$0$8,772,850
87$16,363,952$646,478$0$9,578,635
88$17,943,954$589,035$0$10,465,082
89$19,682,310$525,970$0$11,440,435
90$21,595,081$456,918$0$12,513,780
91$23,699,969$381,497$0$13,695,135
92$26,016,474$299,298$0$14,995,541
93$28,566,084$209,894$0$16,427,173
94$31,372,477$112,830$0$18,003,450
95$34,461,739$7,629$0$19,739,167
96$37,862,619$0$0$21,650,632
97$41,606,791$0$0$23,792,053
98$45,729,157$0$0$26,152,749
99$50,268,176$0$0$28,752,154
100$55,266,227$0$0$31,614,551