Can I retire at age 52 with 844,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $844,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$69,697$69,076$68,470$67,879$67,302$65,835
2 years$34,503$33,861$33,238$32,634$32,048$30,578
3 years$22,774$22,128$21,507$20,909$20,333$18,905
4 years$16,910$16,267$15,652$15,064$14,502$13,127
5 years$13,393$12,753$12,146$11,570$11,024$9,707
6 years$11,049$10,414$9,816$9,253$8,723$7,464
7 years$9,375$8,746$8,157$7,607$7,094$5,894
8 years$8,120$7,497$6,918$6,382$5,885$4,744
9 years$7,145$6,527$5,958$5,436$4,956$3,872
10 years$6,365$5,753$5,195$4,686$4,223$3,195
11 years$5,728$5,122$4,573$4,078$3,632$2,659
12 years$5,197$4,597$4,059$3,577$3,147$2,228
13 years$4,748$4,154$3,626$3,158$2,744$1,878
14 years$4,363$3,776$3,258$2,803$2,406$1,589
15 years$4,030$3,450$2,942$2,500$2,118$1,350
16 years$3,739$3,165$2,667$2,238$1,872$1,150
17 years$3,483$2,915$2,427$2,011$1,660$983
18 years$3,255$2,693$2,215$1,813$1,476$842
19 years$3,051$2,496$2,028$1,638$1,316$722
20 years$2,868$2,320$1,861$1,483$1,175$620
21 years$2,703$2,161$1,712$1,346$1,052$534
22 years$2,553$2,017$1,578$1,224$943$459
23 years$2,416$1,886$1,457$1,115$846$396
24 years$2,291$1,767$1,347$1,017$760$342
25 years$2,176$1,659$1,248$929$684$295
26 years$2,070$1,559$1,157$849$616$255
27 years$1,972$1,467$1,075$777$556$220
28 years$1,881$1,382$999$712$501$191
29 years$1,797$1,304$930$653$453$165
30 years$1,718$1,232$866$599$409$143
31 years$1,645$1,164$807$550$370$124
32 years$1,576$1,102$753$506$335$107
33 years$1,511$1,043$703$465$303$93
34 years$1,451$989$657$428$274$80
35 years$1,394$938$614$394$248$70
36 years$1,340$890$575$363$225$60
37 years$1,290$845$538$334$204$52
38 years$1,242$803$504$308$185$45
39 years$1,197$764$472$284$168$39
40 years$1,154$727$442$262$152$34
41 years$1,113$692$415$242$138$29
42 years$1,075$659$389$223$125$26
43 years$1,038$628$365$206$114$22
44 years$1,003$599$343$190$103$19
45 years$969$571$322$176$94$17
46 years$938$544$302$162$85$14
47 years$907$520$284$150$77$13
48 years$878$496$267$138$70$11
49 years$851$474$251$128$64$9
50 years$824$452$236$118$58$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $844,000, adding $4,092 every year, while hoping to spend $41,646 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: 24/50/26 Blend
51$844,000$844,000$844,000$844,000
52$934,309$889,577$876,495$948,969
53$985,297$888,855$861,546$960,858
54$1,040,091$886,702$844,701$969,775
55$1,099,034$883,004$825,852$978,443
56$1,162,503$877,640$804,887$986,867
57$1,230,915$870,480$781,687$995,060
58$1,304,725$861,390$756,130$1,003,037
59$1,384,433$850,225$728,086$1,010,821
60$1,470,590$836,831$697,422$1,018,440
61$1,563,801$821,046$663,997$1,025,931
62$1,664,731$802,699$627,662$1,033,342
63$1,774,110$781,608$588,266$1,040,729
64$1,892,743$757,581$545,646$1,048,160
65$2,021,513$730,412$499,636$1,055,717
66$2,161,392$699,887$450,058$1,063,497
67$2,313,450$665,778$396,731$1,071,614
68$2,478,863$627,842$339,463$1,080,201
69$2,658,926$585,825$278,054$1,089,413
70$2,855,062$539,457$212,295$1,099,429
71$3,068,840$488,452$141,968$1,110,455
72$3,301,984$432,508$66,846$1,122,729
73$3,556,392$371,306$0$1,136,522
74$3,834,155$304,511$0$1,155,839
75$4,137,572$231,765$0$1,197,366
76$4,469,176$152,693$0$1,243,013
77$4,831,755$66,899$0$1,293,308
78$5,228,379$0$0$1,348,841
79$5,662,428$0$0$1,424,602
80$6,137,623$0$0$1,547,982
81$6,658,064$0$0$1,683,256
82$7,228,264$0$0$1,831,616
83$7,853,193$0$0$1,994,374
84$8,538,325$0$0$2,172,974
85$9,289,690$0$0$2,369,010
86$10,113,929$0$0$2,584,235
87$11,018,357$0$0$2,820,581
88$12,011,029$0$0$3,080,176
89$13,100,820$0$0$3,365,365
90$14,297,508$0$0$3,678,729
91$15,611,860$0$0$4,023,115
92$17,055,741$0$0$4,401,656
93$18,642,219$0$0$4,817,807
94$20,385,691$0$0$5,275,370
95$22,302,019$0$0$5,778,540
96$24,408,679$0$0$6,331,932
97$26,724,920$0$0$6,940,636
98$29,271,955$0$0$7,610,257
99$32,073,152$0$0$8,346,973
100$35,154,258$0$0$9,157,588