Can I retire at age 52 with 847,000?

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 $847,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$69,944$69,321$68,714$68,120$67,541$66,286
2 years$34,626$33,981$33,356$32,750$32,162$30,902
3 years$22,855$22,207$21,584$20,983$20,405$19,180
4 years$16,970$16,325$15,707$15,117$14,553$13,372
5 years$13,440$12,799$12,190$11,612$11,063$9,929
6 years$11,088$10,451$9,851$9,286$8,754$7,668
7 years$9,408$8,777$8,186$7,634$7,119$6,083
8 years$8,149$7,523$6,943$6,404$5,906$4,918
9 years$7,170$6,550$5,980$5,455$4,974$4,034
10 years$6,388$5,774$5,213$4,702$4,238$3,345
11 years$5,748$5,140$4,590$4,092$3,645$2,798
12 years$5,215$4,613$4,073$3,590$3,158$2,357
13 years$4,765$4,169$3,639$3,169$2,754$1,997
14 years$4,379$3,790$3,270$2,813$2,414$1,699
15 years$4,045$3,462$2,952$2,509$2,126$1,451
16 years$3,753$3,176$2,677$2,246$1,879$1,244
17 years$3,495$2,925$2,436$2,018$1,666$1,069
18 years$3,267$2,703$2,223$1,819$1,481$920
19 years$3,062$2,505$2,035$1,644$1,320$794
20 years$2,879$2,328$1,868$1,489$1,179$686
21 years$2,713$2,168$1,718$1,351$1,055$594
22 years$2,562$2,024$1,584$1,228$946$515
23 years$2,425$1,893$1,462$1,119$849$447
24 years$2,299$1,774$1,352$1,020$763$388
25 years$2,184$1,665$1,252$932$687$337
26 years$2,077$1,564$1,162$852$619$293
27 years$1,979$1,472$1,079$780$558$255
28 years$1,888$1,387$1,003$715$503$222
29 years$1,803$1,309$933$655$454$193
30 years$1,724$1,236$869$601$411$168
31 years$1,650$1,168$810$552$371$147
32 years$1,581$1,106$756$508$336$128
33 years$1,517$1,047$706$467$304$111
34 years$1,456$992$660$429$275$97
35 years$1,399$941$617$395$249$85
36 years$1,345$893$577$364$226$74
37 years$1,294$848$540$335$205$65
38 years$1,246$806$506$309$186$56
39 years$1,201$767$474$285$168$49
40 years$1,158$730$444$263$153$43
41 years$1,117$694$416$243$138$37
42 years$1,078$661$391$224$126$33
43 years$1,041$630$366$207$114$29
44 years$1,006$601$344$191$103$25
45 years$973$573$323$176$94$22
46 years$941$546$303$163$85$19
47 years$911$521$285$150$77$17
48 years$881$498$268$139$70$14
49 years$854$475$252$128$64$13
50 years$827$454$237$119$58$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $847,000, adding $4,459 every year, while hoping to spend $40,985 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: 74/21/5 Blend
51$847,000$847,000$847,000$847,000
52$937,993$893,102$879,974$1,006,727
53$990,061$893,257$865,845$1,052,706
54$1,046,066$892,045$849,870$1,097,405
55$1,106,366$889,357$831,942$1,145,184
56$1,171,356$885,076$811,952$1,196,333
57$1,241,467$879,077$789,785$1,251,172
58$1,317,174$871,229$765,321$1,310,053
59$1,398,999$861,393$738,432$1,373,364
60$1,487,516$849,420$708,989$1,441,533
61$1,583,355$835,154$676,852$1,515,034
62$1,687,209$818,428$641,878$1,594,386
63$1,799,840$799,067$603,917$1,680,167
64$1,922,086$776,884$562,811$1,773,009
65$2,054,869$751,681$518,396$1,873,613
66$2,199,203$723,251$470,499$1,982,751
67$2,356,204$691,372$418,943$2,101,275
68$2,527,098$655,811$363,539$2,230,124
69$2,713,236$616,320$304,091$2,370,336
70$2,916,104$572,637$240,396$2,523,054
71$3,137,337$524,487$172,240$2,689,539
72$3,378,735$471,576$99,400$2,871,185
73$3,642,280$413,597$21,643$3,069,526
74$3,930,151$350,223$0$3,286,258
75$4,244,752$281,108$0$3,526,521
76$4,588,723$205,890$0$3,790,551
77$4,964,977$124,182$0$4,079,479
78$5,376,717$35,579$0$4,395,830
79$5,827,471$0$0$4,742,386
80$6,321,126$0$0$5,136,162
81$6,861,960$0$0$5,576,616
82$7,454,686$0$0$6,059,368
83$8,104,493$0$0$6,588,650
84$8,817,098$0$0$7,169,122
85$9,598,795$0$0$7,805,917
86$10,456,520$0$0$8,504,691
87$11,397,910$0$0$9,271,671
88$12,431,379$0$0$10,113,716
89$13,566,195$0$0$11,038,385
90$14,812,566$0$0$12,054,002
91$16,181,740$0$0$13,169,737
92$17,686,106$0$0$14,395,694
93$19,339,312$0$0$15,743,001
94$21,156,396$0$0$17,223,921
95$23,153,924$0$0$18,851,961
96$25,350,146$0$0$20,642,003
97$27,765,171$0$0$22,610,446
98$30,421,151$0$0$24,775,352
99$33,342,495$0$0$27,156,626
100$36,556,095$0$0$29,776,197