Can I retire at age 52 with 842,000?

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 $842,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$69,532$68,912$68,308$67,718$67,142$66,831
2 years$34,422$33,781$33,159$32,557$31,973$31,659
3 years$22,720$22,076$21,456$20,859$20,285$19,978
4 years$16,870$16,228$15,615$15,028$14,467$14,169
5 years$13,361$12,723$12,118$11,543$10,998$10,710
6 years$11,023$10,389$9,793$9,231$8,702$8,425
7 years$9,353$8,725$8,138$7,589$7,077$6,810
8 years$8,101$7,479$6,902$6,367$5,871$5,615
9 years$7,128$6,512$5,944$5,423$4,944$4,699
10 years$6,350$5,740$5,182$4,675$4,213$3,977
11 years$5,714$5,110$4,562$4,068$3,623$3,398
12 years$5,184$4,586$4,049$3,568$3,140$2,925
13 years$4,736$4,145$3,618$3,150$2,738$2,533
14 years$4,353$3,767$3,250$2,797$2,400$2,204
15 years$4,021$3,442$2,935$2,494$2,113$1,927
16 years$3,730$3,158$2,661$2,233$1,868$1,691
17 years$3,474$2,908$2,421$2,006$1,656$1,488
18 years$3,247$2,687$2,210$1,808$1,472$1,313
19 years$3,044$2,490$2,023$1,634$1,312$1,161
20 years$2,862$2,314$1,857$1,480$1,172$1,029
21 years$2,697$2,156$1,708$1,343$1,049$914
22 years$2,547$2,012$1,574$1,221$940$812
23 years$2,411$1,882$1,453$1,112$844$723
24 years$2,286$1,763$1,344$1,014$759$645
25 years$2,171$1,655$1,245$926$683$575
26 years$2,065$1,555$1,155$847$615$514
27 years$1,967$1,464$1,072$775$554$459
28 years$1,877$1,379$997$710$500$411
29 years$1,792$1,301$928$651$452$368
30 years$1,714$1,229$864$598$408$329
31 years$1,641$1,162$806$549$369$295
32 years$1,572$1,099$752$505$334$265
33 years$1,508$1,041$702$464$302$237
34 years$1,448$986$656$427$274$213
35 years$1,391$936$613$393$248$191
36 years$1,337$888$573$362$224$172
37 years$1,287$843$537$333$203$154
38 years$1,239$802$503$307$184$138
39 years$1,194$762$471$283$167$124
40 years$1,151$725$441$261$152$112
41 years$1,111$690$414$241$138$100
42 years$1,072$657$388$223$125$90
43 years$1,035$626$364$205$113$81
44 years$1,000$597$342$190$103$73
45 years$967$569$321$175$93$66
46 years$935$543$302$162$85$59
47 years$905$518$283$150$77$53
48 years$876$495$266$138$70$48
49 years$849$473$250$128$64$43
50 years$822$451$235$118$58$39

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $842,000, adding $3,667 every year, while hoping to spend $43,160 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: 77/5/18 Blend
51$842,000$842,000$842,000$842,000
52$931,667$887,041$873,990$999,341
53$980,775$884,584$857,346$1,042,111
54$1,033,445$880,560$838,699$1,083,250
55$1,089,996$874,847$817,935$1,127,203
56$1,150,776$867,314$794,936$1,174,238
57$1,216,168$857,826$769,579$1,224,649
58$1,286,592$846,234$741,735$1,278,761
59$1,362,510$832,386$711,269$1,336,934
60$1,444,430$816,116$678,040$1,399,563
61$1,532,908$797,252$641,901$1,467,084
62$1,628,557$775,610$602,697$1,539,979
63$1,732,050$750,995$560,267$1,618,779
64$1,844,127$723,201$514,444$1,704,070
65$1,965,601$692,011$465,051$1,796,498
66$2,097,366$657,194$411,904$1,896,776
67$2,240,407$618,506$354,812$2,005,690
68$2,395,805$575,689$293,575$2,124,108
69$2,564,750$528,470$227,982$2,252,986
70$2,748,551$476,562$157,817$2,393,380
71$2,948,650$419,660$82,850$2,546,455
72$3,166,630$357,441$2,843$2,713,493
73$3,404,237$289,566$0$2,895,911
74$3,663,390$215,676$0$3,111,124
75$3,946,202$135,390$0$3,346,616
76$4,254,998$48,309$0$3,603,791
77$4,592,341$0$0$3,884,801
78$4,961,047$0$0$4,194,544
79$5,364,220$0$0$4,536,177
80$5,805,276$0$0$4,909,940
81$6,287,979$0$0$5,319,027
82$6,816,470$0$0$5,766,950
83$7,395,311$0$0$6,257,582
84$8,029,527$0$0$6,795,183
85$8,724,649$0$0$7,384,449
86$9,486,771$0$0$8,030,549
87$10,322,604$0$0$8,739,177
88$11,239,539$0$0$9,516,605
89$12,245,719$0$0$10,369,740
90$13,350,112$0$0$11,306,192
91$14,562,595$0$0$12,334,342
92$15,894,051$0$0$13,463,424
93$17,356,466$0$0$14,703,607
94$18,963,047$0$0$16,066,098
95$20,728,339$0$0$17,563,238
96$22,668,370$0$0$19,208,626
97$24,800,795$0$0$21,017,242
98$27,145,065$0$0$23,005,592
99$29,722,611$0$0$25,191,857
100$32,557,041$0$0$27,596,072