Can I retire at age 52 with 846,000?

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 $846,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$69,862$69,240$68,632$68,040$67,461$65,433
2 years$34,585$33,941$33,317$32,711$32,124$30,098
3 years$22,828$22,181$21,558$20,959$20,381$18,420
4 years$16,950$16,305$15,689$15,099$14,536$12,655
5 years$13,425$12,784$12,175$11,598$11,050$9,255
6 years$11,075$10,439$9,839$9,275$8,743$7,036
7 years$9,397$8,766$8,177$7,625$7,111$5,490
8 years$8,140$7,514$6,934$6,397$5,899$4,364
9 years$7,162$6,543$5,973$5,449$4,968$3,518
10 years$6,380$5,767$5,207$4,697$4,233$2,865
11 years$5,741$5,134$4,584$4,088$3,640$2,353
12 years$5,209$4,608$4,068$3,585$3,155$1,944
13 years$4,759$4,164$3,635$3,165$2,751$1,615
14 years$4,373$3,785$3,266$2,810$2,411$1,348
15 years$4,040$3,458$2,949$2,506$2,123$1,128
16 years$3,748$3,173$2,673$2,244$1,877$947
17 years$3,491$2,922$2,433$2,016$1,664$797
18 years$3,263$2,700$2,221$1,817$1,479$672
19 years$3,059$2,502$2,033$1,642$1,319$567
20 years$2,875$2,325$1,866$1,487$1,178$480
21 years$2,710$2,166$1,716$1,349$1,054$406
22 years$2,559$2,022$1,582$1,227$945$344
23 years$2,422$1,891$1,460$1,117$848$292
24 years$2,296$1,772$1,351$1,019$762$248
25 years$2,181$1,663$1,251$931$686$210
26 years$2,075$1,563$1,160$851$618$179
27 years$1,977$1,471$1,077$779$557$152
28 years$1,886$1,386$1,002$714$503$129
29 years$1,801$1,307$932$654$454$110
30 years$1,722$1,235$868$601$410$93
31 years$1,648$1,167$809$552$371$79
32 years$1,580$1,104$755$507$335$68
33 years$1,515$1,046$705$466$304$57
34 years$1,454$991$659$429$275$49
35 years$1,397$940$616$395$249$42
36 years$1,344$892$576$364$226$35
37 years$1,293$847$539$335$204$30
38 years$1,245$805$505$309$185$26
39 years$1,200$766$473$285$168$22
40 years$1,157$729$443$263$152$19
41 years$1,116$694$416$242$138$16
42 years$1,077$661$390$224$125$14
43 years$1,040$629$366$206$114$12
44 years$1,005$600$344$191$103$10
45 years$972$572$323$176$94$8
46 years$940$546$303$163$85$7
47 years$909$521$285$150$77$6
48 years$880$497$268$139$70$5
49 years$853$475$251$128$64$4
50 years$826$454$236$119$58$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $846,000, adding $3,889 every year, while hoping to spend $20,139 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: 62/17/21 Blend
51$846,000$846,000$846,000$846,000
52$936,304$891,466$878,353$989,013
53$1,010,379$913,720$886,350$1,047,328
54$1,091,335$936,389$893,940$1,108,383
55$1,179,852$959,473$901,088$1,174,584
56$1,276,680$982,970$907,757$1,246,435
57$1,382,643$1,006,878$913,909$1,324,491
58$1,498,651$1,031,193$919,503$1,409,362
59$1,625,703$1,055,911$924,496$1,501,723
60$1,764,901$1,081,028$928,843$1,602,315
61$1,917,459$1,106,536$932,498$1,711,957
62$2,084,713$1,132,429$935,409$1,831,549
63$2,268,135$1,158,699$937,526$1,962,084
64$2,469,345$1,185,336$938,794$2,104,656
65$2,690,129$1,212,328$939,154$2,260,471
66$2,932,454$1,239,664$938,548$2,430,857
67$3,198,485$1,267,329$936,911$2,617,278
68$3,490,610$1,295,308$934,177$2,821,348
69$3,811,457$1,323,583$930,276$3,044,844
70$4,163,922$1,352,134$925,137$3,289,725
71$4,551,195$1,380,941$918,681$3,558,151
72$4,976,790$1,409,980$910,830$3,852,502
73$5,444,578$1,439,226$901,499$4,175,400
74$5,958,826$1,468,649$890,600$4,529,735
75$6,524,233$1,498,219$878,042$4,918,693
76$7,145,976$1,527,903$863,727$5,345,784
77$7,829,759$1,557,664$847,556$5,814,878
78$8,581,867$1,587,462$829,422$6,330,238
79$9,409,225$1,617,255$809,215$6,896,564
80$10,319,461$1,646,996$786,819$7,519,036
81$11,320,982$1,676,634$762,113$8,203,361
82$12,423,050$1,706,117$734,971$8,955,831
83$13,635,870$1,735,385$705,261$9,783,380
84$14,970,685$1,764,376$672,844$10,693,648
85$16,439,886$1,793,022$637,576$11,695,058
86$18,057,125$1,821,250$599,305$12,796,891
87$19,837,444$1,848,984$557,874$14,009,378
88$21,797,418$1,876,139$513,118$15,343,792
89$23,955,311$1,902,625$464,863$16,812,558
90$26,331,248$1,928,349$412,931$18,429,371
91$28,947,403$1,953,206$357,133$20,209,323
92$31,828,213$1,977,088$297,271$22,169,047
93$35,000,603$1,999,878$233,142$24,326,874
94$38,494,244$2,021,450$164,531$26,703,008
95$42,341,828$2,041,673$91,214$29,319,715
96$46,579,382$2,060,403$12,958$32,201,533
97$51,246,606$2,077,490$0$35,375,506
98$56,387,245$2,092,772$0$38,887,249
99$62,049,504$2,106,077$0$42,757,926
100$68,286,502$2,117,224$0$47,020,891