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%17.5%
1 years$69,779$69,158$68,551$67,959$67,381$65,329
2 years$34,544$33,901$33,277$32,673$32,086$30,036
3 years$22,801$22,155$21,533$20,934$20,357$18,373
4 years$16,930$16,286$15,670$15,082$14,519$12,617
5 years$13,409$12,768$12,161$11,584$11,037$9,222
6 years$11,062$10,426$9,828$9,264$8,733$7,007
7 years$9,386$8,756$8,167$7,616$7,102$5,464
8 years$8,130$7,506$6,926$6,389$5,892$4,342
9 years$7,153$6,535$5,965$5,442$4,962$3,497
10 years$6,373$5,760$5,201$4,691$4,228$2,847
11 years$5,734$5,128$4,579$4,083$3,636$2,336
12 years$5,203$4,603$4,064$3,581$3,151$1,929
13 years$4,753$4,159$3,630$3,162$2,748$1,602
14 years$4,368$3,781$3,262$2,807$2,409$1,335
15 years$4,035$3,454$2,945$2,503$2,121$1,117
16 years$3,744$3,169$2,670$2,241$1,874$937
17 years$3,487$2,918$2,430$2,014$1,662$788
18 years$3,259$2,697$2,218$1,815$1,478$664
19 years$3,055$2,499$2,031$1,640$1,317$560
20 years$2,872$2,322$1,864$1,485$1,176$473
21 years$2,706$2,163$1,714$1,348$1,053$400
22 years$2,556$2,019$1,580$1,225$944$339
23 years$2,419$1,889$1,459$1,116$847$287
24 years$2,294$1,770$1,349$1,018$761$243
25 years$2,179$1,661$1,249$930$685$207
26 years$2,072$1,561$1,159$850$617$175
27 years$1,974$1,469$1,076$778$556$149
28 years$1,883$1,384$1,000$713$502$126
29 years$1,799$1,306$931$654$453$107
30 years$1,720$1,233$867$600$410$91
31 years$1,647$1,166$808$551$370$78
32 years$1,578$1,103$754$506$335$66
33 years$1,513$1,045$704$466$303$56
34 years$1,453$990$658$428$274$48
35 years$1,396$939$615$394$249$41
36 years$1,342$891$575$363$225$35
37 years$1,291$846$539$335$204$29
38 years$1,244$804$504$308$185$25
39 years$1,198$765$473$284$168$21
40 years$1,155$728$443$262$152$18
41 years$1,115$693$415$242$138$15
42 years$1,076$660$390$223$125$13
43 years$1,039$629$366$206$114$11
44 years$1,004$599$343$190$103$9
45 years$971$571$322$176$94$8
46 years$939$545$303$162$85$7
47 years$908$520$284$150$77$6
48 years$879$497$267$139$70$5
49 years$852$474$251$128$64$4
50 years$825$453$236$118$58$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $845,000, adding $3,733 every year, while hoping to spend $40,255 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: 26/50/24 Blend
51$845,000$845,000$845,000$845,000
52$935,041$890,256$877,158$952,190
53$987,584$891,047$863,712$967,081
54$1,044,137$890,528$848,466$979,311
55$1,105,067$888,592$831,318$991,582
56$1,170,777$885,126$812,160$1,003,924
57$1,241,708$880,009$790,879$1,016,372
58$1,318,347$873,114$767,358$1,028,970
59$1,401,227$864,306$741,473$1,041,770
60$1,490,936$853,440$713,097$1,054,832
61$1,588,119$840,367$682,093$1,068,228
62$1,693,486$824,923$648,321$1,082,043
63$1,807,816$806,939$611,635$1,096,374
64$1,931,969$786,234$571,880$1,111,335
65$2,066,887$762,617$528,896$1,127,055
66$2,213,609$735,886$482,514$1,143,684
67$2,373,278$705,825$432,559$1,161,394
68$2,547,151$672,208$378,847$1,180,380
69$2,736,610$634,796$321,188$1,200,866
70$2,943,177$593,335$259,382$1,223,106
71$3,168,529$547,556$193,219$1,247,387
72$3,414,509$497,176$122,482$1,274,034
73$3,683,147$441,896$46,943$1,303,417
74$3,976,677$381,398$0$1,335,950
75$4,297,560$315,348$0$1,380,723
76$4,648,503$243,392$0$1,443,030
77$5,032,489$165,157$0$1,511,495
78$5,452,801$80,248$0$1,586,851
79$5,913,056$0$0$1,669,917
80$6,417,235$0$0$1,768,066
81$6,969,724$0$0$1,924,141
82$7,575,351$0$0$2,095,371
83$8,239,435$0$0$2,283,278
84$8,967,835$0$0$2,489,538
85$9,767,003$0$0$2,715,998
86$10,644,047$0$0$2,964,692
87$11,606,794$0$0$3,237,860
88$12,663,869$0$0$3,537,970
89$13,824,771$0$0$3,867,741
90$15,099,964$0$0$4,230,169
91$16,500,976$0$0$4,628,555
92$18,040,507$0$0$5,066,533
93$19,732,548$0$0$5,548,110
94$21,592,513$0$0$6,077,699
95$23,637,382$0$0$6,660,162
96$25,885,864$0$0$7,300,855
97$28,358,572$0$0$8,005,683
98$31,078,215$0$0$8,781,147
99$34,069,814$0$0$9,634,414
100$37,360,938$0$0$10,573,377