Can I retire at age 52 with 845,000?

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 $845,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$69,779$69,158$68,551$67,959$67,381$65,251
2 years$34,544$33,901$33,277$32,673$32,086$29,959
3 years$22,801$22,155$21,533$20,934$20,357$18,300
4 years$16,930$16,286$15,670$15,082$14,519$12,547
5 years$13,409$12,768$12,161$11,584$11,037$9,157
6 years$11,062$10,426$9,828$9,264$8,733$6,946
7 years$9,386$8,756$8,167$7,616$7,102$5,408
8 years$8,130$7,506$6,926$6,389$5,892$4,289
9 years$7,153$6,535$5,965$5,442$4,962$3,448
10 years$6,373$5,760$5,201$4,691$4,228$2,802
11 years$5,734$5,128$4,579$4,083$3,636$2,295
12 years$5,203$4,603$4,064$3,581$3,151$1,891
13 years$4,753$4,159$3,630$3,162$2,748$1,567
14 years$4,368$3,781$3,262$2,807$2,409$1,304
15 years$4,035$3,454$2,945$2,503$2,121$1,088
16 years$3,744$3,169$2,670$2,241$1,874$911
17 years$3,487$2,918$2,430$2,014$1,662$764
18 years$3,259$2,697$2,218$1,815$1,478$642
19 years$3,055$2,499$2,031$1,640$1,317$541
20 years$2,872$2,322$1,864$1,485$1,176$456
21 years$2,706$2,163$1,714$1,348$1,053$385
22 years$2,556$2,019$1,580$1,225$944$325
23 years$2,419$1,889$1,459$1,116$847$275
24 years$2,294$1,770$1,349$1,018$761$232
25 years$2,179$1,661$1,249$930$685$197
26 years$2,072$1,561$1,159$850$617$166
27 years$1,974$1,469$1,076$778$556$141
28 years$1,883$1,384$1,000$713$502$120
29 years$1,799$1,306$931$654$453$101
30 years$1,720$1,233$867$600$410$86
31 years$1,647$1,166$808$551$370$73
32 years$1,578$1,103$754$506$335$62
33 years$1,513$1,045$704$466$303$52
34 years$1,453$990$658$428$274$44
35 years$1,396$939$615$394$249$38
36 years$1,342$891$575$363$225$32
37 years$1,291$846$539$335$204$27
38 years$1,244$804$504$308$185$23
39 years$1,198$765$473$284$168$20
40 years$1,155$728$443$262$152$17
41 years$1,115$693$415$242$138$14
42 years$1,076$660$390$223$125$12
43 years$1,039$629$366$206$114$10
44 years$1,004$599$343$190$103$9
45 years$971$571$322$176$94$7
46 years$939$545$303$162$85$6
47 years$908$520$284$150$77$5
48 years$879$497$267$139$70$4
49 years$852$474$251$128$64$4
50 years$825$453$236$118$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $845,000, adding $3,908 every year, while hoping to spend $42,983 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: 74/8/18 Blend
51$845,000$845,000$845,000$845,000
52$935,221$890,436$877,339$1,000,246
53$984,880$888,334$860,996$1,041,777
54$1,038,164$884,688$842,665$1,081,636
55$1,095,396$879,378$822,234$1,124,188
56$1,156,934$872,274$799,586$1,169,692
57$1,223,167$863,242$774,598$1,218,433
58$1,294,525$852,135$747,142$1,270,724
59$1,371,479$838,803$717,084$1,326,912
60$1,454,548$823,082$684,284$1,387,379
61$1,544,299$804,800$648,595$1,452,549
62$1,641,359$783,777$609,865$1,522,888
63$1,746,415$759,819$567,932$1,598,910
64$1,860,221$732,723$522,630$1,681,184
65$1,983,610$702,272$473,785$1,770,336
66$2,117,494$668,240$421,212$1,867,058
67$2,262,879$630,383$364,723$1,972,115
68$2,420,869$588,448$304,117$2,086,349
69$2,592,680$542,165$239,188$2,210,690
70$2,779,649$491,247$169,716$2,346,165
71$2,983,248$435,393$95,477$2,493,907
72$3,205,097$374,285$16,233$2,655,166
73$3,446,978$307,585$0$2,831,320
74$3,710,851$234,939$0$3,037,017
75$3,998,877$155,970$0$3,264,991
76$4,313,431$70,281$0$3,514,026
77$4,657,130$0$0$3,786,219
78$5,032,853$0$0$4,085,868
79$5,443,772$0$0$4,420,387
80$5,893,379$0$0$4,786,436
81$6,385,517$0$0$5,187,151
82$6,924,420$0$0$5,625,982
83$7,514,749$0$0$6,106,731
84$8,161,640$0$0$6,633,583
85$8,870,745$0$0$7,211,149
86$9,648,293$0$0$7,844,507
87$10,501,142$0$0$8,539,248
88$11,436,846$0$0$9,301,533
89$12,463,727$0$0$10,138,146
90$13,590,949$0$0$11,056,562
91$14,828,610$0$0$12,065,012
92$16,187,830$0$0$13,172,565
93$17,680,863$0$0$14,389,212
94$19,321,203$0$0$15,725,958
95$21,123,721$0$0$17,194,927
96$23,104,795$0$0$18,809,476
97$25,282,472$0$0$20,584,319
98$27,676,634$0$0$22,535,670
99$30,309,184$0$0$24,681,388
100$33,204,254$0$0$27,041,153