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%19.4%
1 years$69,532$68,912$68,308$67,718$67,142$64,606
2 years$34,422$33,781$33,159$32,557$31,973$29,447
3 years$22,720$22,076$21,456$20,859$20,285$17,849
4 years$16,870$16,228$15,615$15,028$14,467$12,140
5 years$13,361$12,723$12,118$11,543$10,998$8,785
6 years$11,023$10,389$9,793$9,231$8,702$6,605
7 years$9,353$8,725$8,138$7,589$7,077$5,096
8 years$8,101$7,479$6,902$6,367$5,871$4,003
9 years$7,128$6,512$5,944$5,423$4,944$3,187
10 years$6,350$5,740$5,182$4,675$4,213$2,564
11 years$5,714$5,110$4,562$4,068$3,623$2,078
12 years$5,184$4,586$4,049$3,568$3,140$1,695
13 years$4,736$4,145$3,618$3,150$2,738$1,389
14 years$4,353$3,767$3,250$2,797$2,400$1,143
15 years$4,021$3,442$2,935$2,494$2,113$943
16 years$3,730$3,158$2,661$2,233$1,868$780
17 years$3,474$2,908$2,421$2,006$1,656$647
18 years$3,247$2,687$2,210$1,808$1,472$537
19 years$3,044$2,490$2,023$1,634$1,312$447
20 years$2,862$2,314$1,857$1,480$1,172$372
21 years$2,697$2,156$1,708$1,343$1,049$310
22 years$2,547$2,012$1,574$1,221$940$259
23 years$2,411$1,882$1,453$1,112$844$216
24 years$2,286$1,763$1,344$1,014$759$180
25 years$2,171$1,655$1,245$926$683$151
26 years$2,065$1,555$1,155$847$615$126
27 years$1,967$1,464$1,072$775$554$105
28 years$1,877$1,379$997$710$500$88
29 years$1,792$1,301$928$651$452$74
30 years$1,714$1,229$864$598$408$62
31 years$1,641$1,162$806$549$369$52
32 years$1,572$1,099$752$505$334$43
33 years$1,508$1,041$702$464$302$36
34 years$1,448$986$656$427$274$30
35 years$1,391$936$613$393$248$25
36 years$1,337$888$573$362$224$21
37 years$1,287$843$537$333$203$18
38 years$1,239$802$503$307$184$15
39 years$1,194$762$471$283$167$12
40 years$1,151$725$441$261$152$10
41 years$1,111$690$414$241$138$9
42 years$1,072$657$388$223$125$7
43 years$1,035$626$364$205$113$6
44 years$1,000$597$342$190$103$5
45 years$967$569$321$175$93$4
46 years$935$543$302$162$85$4
47 years$905$518$283$150$77$3
48 years$876$495$266$138$70$3
49 years$849$473$250$128$64$2
50 years$822$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 $842,000, adding $4,863 every year, while hoping to spend $26,887 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: 34/48/18 Blend
51$842,000$842,000$842,000$842,000
52$932,900$888,274$875,223$959,298
53$999,448$903,192$875,936$994,036
54$1,071,883$917,940$875,771$1,028,629
55$1,150,777$932,481$874,671$1,065,366
56$1,236,760$946,775$872,575$1,104,451
57$1,330,523$960,781$869,421$1,146,111
58$1,432,830$974,453$865,140$1,190,597
59$1,544,520$987,743$859,664$1,238,186
60$1,666,518$1,000,598$852,918$1,289,184
61$1,799,839$1,012,964$844,828$1,343,929
62$1,945,604$1,024,781$835,311$1,402,799
63$2,105,046$1,035,985$824,284$1,466,205
64$2,279,522$1,046,510$811,659$1,534,608
65$2,470,527$1,056,283$797,344$1,608,512
66$2,679,707$1,065,227$781,241$1,688,480
67$2,908,875$1,073,261$763,250$1,775,130
68$3,160,027$1,080,298$743,266$1,869,146
69$3,435,362$1,086,244$721,177$1,971,286
70$3,737,301$1,091,002$696,869$2,082,385
71$4,068,510$1,094,466$670,219$2,203,367
72$4,431,928$1,096,525$641,101$2,335,254
73$4,830,791$1,097,060$609,384$2,479,173
74$5,268,661$1,095,946$574,928$2,636,371
75$5,749,467$1,093,049$537,590$2,808,226
76$6,277,531$1,088,228$497,218$2,996,257
77$6,857,619$1,081,331$453,654$3,202,145
78$7,494,979$1,072,199$406,734$3,427,747
79$8,195,393$1,060,663$356,286$3,675,110
80$8,965,231$1,046,543$302,130$3,946,498
81$9,811,510$1,029,649$244,077$4,244,410
82$10,741,963$1,009,781$181,932$4,571,605
83$11,765,106$986,723$115,490$4,931,128
84$12,890,325$960,251$44,537$5,326,344
85$14,127,960$930,125$0$5,760,963
86$15,489,402$896,091$0$6,245,073
87$16,987,204$857,882$0$6,786,725
88$18,635,195$815,215$0$7,382,395
89$20,448,613$767,788$0$8,037,641
90$22,444,247$715,285$0$8,758,594
91$24,640,597$657,371$0$9,552,015
92$27,058,046$593,690$0$10,425,364
93$29,719,054$523,869$0$11,386,866
94$32,648,370$447,511$0$12,445,595
95$35,873,262$364,197$0$13,611,556
96$39,423,777$273,485$0$14,895,784
97$43,333,026$174,910$0$16,310,450
98$47,637,491$67,976$0$17,868,974
99$52,377,373$0$0$19,586,157
100$57,596,970$0$0$21,503,584