Can I retire at age 52 with 843,000?

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 $843,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$69,614$68,994$68,389$67,799$67,222$66,575
2 years$34,462$33,821$33,199$32,595$32,010$31,359
3 years$22,747$22,102$21,482$20,884$20,309$19,673
4 years$16,890$16,247$15,633$15,046$14,484$13,869
5 years$13,377$12,738$12,132$11,557$11,011$10,417
6 years$11,036$10,402$9,804$9,242$8,712$8,142
7 years$9,364$8,735$8,148$7,598$7,086$6,538
8 years$8,111$7,488$6,910$6,374$5,878$5,354
9 years$7,137$6,519$5,951$5,429$4,950$4,449
10 years$6,358$5,747$5,189$4,680$4,218$3,739
11 years$5,721$5,116$4,568$4,073$3,628$3,171
12 years$5,190$4,592$4,054$3,573$3,144$2,709
13 years$4,742$4,150$3,622$3,154$2,741$2,328
14 years$4,358$3,772$3,254$2,800$2,403$2,010
15 years$4,025$3,446$2,938$2,497$2,116$1,743
16 years$3,735$3,161$2,664$2,236$1,870$1,517
17 years$3,479$2,911$2,424$2,009$1,658$1,324
18 years$3,251$2,690$2,213$1,810$1,474$1,158
19 years$3,048$2,493$2,026$1,636$1,314$1,016
20 years$2,865$2,317$1,859$1,482$1,174$892
21 years$2,700$2,158$1,710$1,345$1,050$785
22 years$2,550$2,015$1,576$1,223$941$692
23 years$2,413$1,884$1,455$1,113$845$611
24 years$2,288$1,765$1,346$1,015$760$539
25 years$2,173$1,657$1,247$927$684$477
26 years$2,067$1,557$1,156$848$616$422
27 years$1,970$1,465$1,074$776$555$374
28 years$1,879$1,381$998$711$501$331
29 years$1,795$1,303$929$652$452$293
30 years$1,716$1,230$865$598$409$260
31 years$1,643$1,163$806$550$369$231
32 years$1,574$1,100$752$505$334$205
33 years$1,510$1,042$703$465$302$182
34 years$1,449$988$656$427$274$162
35 years$1,392$937$614$393$248$144
36 years$1,339$889$574$362$225$128
37 years$1,288$844$537$334$204$114
38 years$1,241$803$503$308$185$101
39 years$1,195$763$471$284$167$90
40 years$1,153$726$442$262$152$80
41 years$1,112$691$414$241$138$71
42 years$1,073$658$389$223$125$63
43 years$1,037$627$365$206$113$56
44 years$1,002$598$342$190$103$50
45 years$968$570$321$175$94$45
46 years$937$544$302$162$85$40
47 years$906$519$284$150$77$35
48 years$877$495$267$138$70$31
49 years$850$473$251$128$64$28
50 years$823$452$236$118$58$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $843,000, adding $5,215 every year, while hoping to spend $22,591 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: 44/32/24 Blend
51$843,000$843,000$843,000$843,000
52$934,365$889,686$876,620$968,773
53$1,005,634$909,244$881,950$1,013,235
54$1,083,415$929,003$886,701$1,058,812
55$1,168,348$948,950$890,831$1,107,768
56$1,261,139$969,068$894,294$1,160,428
57$1,362,564$989,341$897,041$1,217,151
58$1,473,477$1,009,750$899,023$1,278,332
59$1,594,819$1,030,275$900,188$1,344,407
60$1,727,626$1,050,894$900,479$1,415,859
61$1,873,038$1,071,582$899,840$1,493,217
62$2,032,312$1,092,314$898,209$1,577,067
63$2,206,831$1,113,060$895,522$1,668,054
64$2,398,119$1,133,791$891,713$1,766,891
65$2,607,853$1,154,473$886,711$1,874,361
66$2,837,881$1,175,069$880,443$1,991,332
67$3,090,239$1,195,541$872,832$2,118,757
68$3,367,169$1,215,848$863,797$2,257,691
69$3,671,140$1,235,944$853,254$2,409,293
70$4,004,872$1,255,782$841,114$2,574,846
71$4,371,362$1,275,308$827,284$2,755,763
72$4,773,911$1,294,468$811,668$2,953,599
73$5,216,155$1,313,202$794,164$3,170,075
74$5,702,099$1,331,446$774,666$3,407,085
75$6,236,158$1,349,132$753,062$3,666,717
76$6,823,194$1,366,186$729,236$3,951,276
77$7,468,561$1,382,531$703,068$4,263,304
78$8,178,162$1,398,083$674,428$4,605,601
79$8,958,499$1,412,753$643,185$4,981,259
80$9,816,733$1,426,446$609,200$5,393,683
81$10,760,759$1,439,061$572,327$5,846,630
82$11,799,271$1,450,489$532,414$6,344,244
83$12,941,850$1,460,616$489,304$6,891,091
84$14,199,052$1,469,320$442,829$7,492,209
85$15,582,508$1,476,469$392,816$8,153,150
86$17,105,034$1,481,927$339,086$8,880,038
87$18,780,751$1,485,545$281,449$9,679,622
88$20,625,218$1,487,166$219,708$10,559,346
89$22,655,578$1,486,625$153,656$11,527,416
90$24,890,723$1,483,746$83,079$12,592,879
91$27,351,467$1,478,340$7,752$13,765,709
92$30,060,746$1,470,208$0$15,056,904
93$33,043,834$1,459,140$0$16,497,186
94$36,328,579$1,444,912$0$18,084,647
95$39,945,668$1,427,287$0$19,832,100
96$43,928,915$1,406,012$0$21,755,855
97$48,315,579$1,380,821$0$23,873,889
98$53,146,719$1,351,433$0$26,206,016
99$58,467,579$1,317,548$0$28,774,071
100$64,328,013$1,278,849$0$31,602,122