Can I retire at age 52 with 844,000?

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 $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%13%
1 years$69,697$69,076$68,470$67,879$67,302$66,461
2 years$34,503$33,861$33,238$32,634$32,048$31,202
3 years$22,774$22,128$21,507$20,909$20,333$19,508
4 years$16,910$16,267$15,652$15,064$14,502$13,704
5 years$13,393$12,753$12,146$11,570$11,024$10,256
6 years$11,049$10,414$9,816$9,253$8,723$7,985
7 years$9,375$8,746$8,157$7,607$7,094$6,388
8 years$8,120$7,497$6,918$6,382$5,885$5,210
9 years$7,145$6,527$5,958$5,436$4,956$4,311
10 years$6,365$5,753$5,195$4,686$4,223$3,608
11 years$5,728$5,122$4,573$4,078$3,632$3,047
12 years$5,197$4,597$4,059$3,577$3,147$2,591
13 years$4,748$4,154$3,626$3,158$2,744$2,216
14 years$4,363$3,776$3,258$2,803$2,406$1,905
15 years$4,030$3,450$2,942$2,500$2,118$1,644
16 years$3,739$3,165$2,667$2,238$1,872$1,424
17 years$3,483$2,915$2,427$2,011$1,660$1,237
18 years$3,255$2,693$2,215$1,813$1,476$1,077
19 years$3,051$2,496$2,028$1,638$1,316$939
20 years$2,868$2,320$1,861$1,483$1,175$821
21 years$2,703$2,161$1,712$1,346$1,052$719
22 years$2,553$2,017$1,578$1,224$943$630
23 years$2,416$1,886$1,457$1,115$846$553
24 years$2,291$1,767$1,347$1,017$760$486
25 years$2,176$1,659$1,248$929$684$427
26 years$2,070$1,559$1,157$849$616$376
27 years$1,972$1,467$1,075$777$556$331
28 years$1,881$1,382$999$712$501$292
29 years$1,797$1,304$930$653$453$257
30 years$1,718$1,232$866$599$409$227
31 years$1,645$1,164$807$550$370$200
32 years$1,576$1,102$753$506$335$177
33 years$1,511$1,043$703$465$303$156
34 years$1,451$989$657$428$274$138
35 years$1,394$938$614$394$248$122
36 years$1,340$890$575$363$225$107
37 years$1,290$845$538$334$204$95
38 years$1,242$803$504$308$185$84
39 years$1,197$764$472$284$168$74
40 years$1,154$727$442$262$152$66
41 years$1,113$692$415$242$138$58
42 years$1,075$659$389$223$125$51
43 years$1,038$628$365$206$114$45
44 years$1,003$599$343$190$103$40
45 years$969$571$322$176$94$35
46 years$938$544$302$162$85$31
47 years$907$520$284$150$77$28
48 years$878$496$267$138$70$25
49 years$851$474$251$128$64$22
50 years$824$452$236$118$58$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $844,000, adding $3,107 every year, while hoping to spend $24,653 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: 74/15/11 Blend
51$844,000$844,000$844,000$844,000
52$933,293$888,561$875,479$1,000,148
53$1,002,258$905,870$878,577$1,062,010
54$1,077,432$923,201$880,952$1,126,381
55$1,159,420$940,528$882,555$1,196,224
56$1,248,893$957,826$883,332$1,272,073
57$1,346,585$975,064$883,229$1,354,518
58$1,453,306$992,212$882,186$1,444,208
59$1,569,948$1,009,235$880,144$1,541,857
60$1,697,492$1,026,097$877,039$1,648,253
61$1,837,019$1,042,758$872,802$1,764,263
62$1,989,719$1,059,177$867,365$1,890,844
63$2,156,902$1,075,308$860,653$2,029,048
64$2,340,010$1,091,103$852,590$2,180,035
65$2,540,634$1,106,510$843,094$2,345,085
66$2,760,523$1,121,473$832,081$2,525,606
67$3,001,603$1,135,932$819,463$2,723,150
68$3,265,998$1,149,824$805,147$2,939,428
69$3,556,046$1,163,082$789,036$3,176,324
70$3,874,322$1,175,632$771,027$3,435,917
71$4,223,661$1,187,396$751,016$3,720,493
72$4,607,190$1,198,294$728,890$4,032,577
73$5,028,349$1,208,236$704,533$4,374,948
74$5,490,929$1,217,128$677,824$4,750,669
75$5,999,109$1,224,872$648,635$5,163,117
76$6,557,487$1,231,360$616,834$5,616,010
77$7,171,134$1,236,480$582,281$6,113,451
78$7,845,634$1,240,112$544,832$6,659,956
79$8,587,139$1,242,127$504,334$7,260,507
80$9,402,426$1,242,391$460,628$7,920,590
81$10,298,964$1,240,759$413,550$8,646,255
82$11,284,980$1,237,077$362,925$9,444,167
83$12,369,538$1,231,184$308,573$10,321,672
84$13,562,626$1,222,907$250,305$11,286,866
85$14,875,248$1,212,064$187,925$12,348,672
86$16,319,528$1,198,460$121,225$13,516,923
87$17,908,826$1,181,890$49,992$14,802,457
88$19,657,860$1,162,137$0$16,217,218
89$21,582,849$1,138,969$0$17,777,422
90$23,701,664$1,112,142$0$19,500,983
91$26,033,994$1,081,398$0$21,398,044
92$28,601,538$1,046,463$0$23,486,254
93$31,428,201$1,007,045$0$25,785,063
94$34,540,326$962,840$0$28,315,906
95$37,966,942$913,522$0$31,102,403
96$41,740,033$858,747$0$34,170,582
97$45,894,844$798,153$0$37,549,127
98$50,470,211$731,356$0$41,269,649
99$55,508,930$657,949$0$45,366,982
100$61,058,157$577,505$0$49,879,515