Can I retire at age 52 with 847,000?

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 $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%13.2%
1 years$69,944$69,321$68,714$68,120$67,541$66,642
2 years$34,626$33,981$33,356$32,750$32,162$31,258
3 years$22,855$22,207$21,584$20,983$20,405$19,523
4 years$16,970$16,325$15,707$15,117$14,553$13,701
5 years$13,440$12,799$12,190$11,612$11,063$10,243
6 years$11,088$10,451$9,851$9,286$8,754$7,967
7 years$9,408$8,777$8,186$7,634$7,119$6,366
8 years$8,149$7,523$6,943$6,404$5,906$5,186
9 years$7,170$6,550$5,980$5,455$4,974$4,286
10 years$6,388$5,774$5,213$4,702$4,238$3,583
11 years$5,748$5,140$4,590$4,092$3,645$3,022
12 years$5,215$4,613$4,073$3,590$3,158$2,567
13 years$4,765$4,169$3,639$3,169$2,754$2,193
14 years$4,379$3,790$3,270$2,813$2,414$1,882
15 years$4,045$3,462$2,952$2,509$2,126$1,622
16 years$3,753$3,176$2,677$2,246$1,879$1,403
17 years$3,495$2,925$2,436$2,018$1,666$1,217
18 years$3,267$2,703$2,223$1,819$1,481$1,058
19 years$3,062$2,505$2,035$1,644$1,320$922
20 years$2,879$2,328$1,868$1,489$1,179$804
21 years$2,713$2,168$1,718$1,351$1,055$703
22 years$2,562$2,024$1,584$1,228$946$615
23 years$2,425$1,893$1,462$1,119$849$539
24 years$2,299$1,774$1,352$1,020$763$473
25 years$2,184$1,665$1,252$932$687$415
26 years$2,077$1,564$1,162$852$619$365
27 years$1,979$1,472$1,079$780$558$321
28 years$1,888$1,387$1,003$715$503$282
29 years$1,803$1,309$933$655$454$248
30 years$1,724$1,236$869$601$411$219
31 years$1,650$1,168$810$552$371$193
32 years$1,581$1,106$756$508$336$170
33 years$1,517$1,047$706$467$304$150
34 years$1,456$992$660$429$275$132
35 years$1,399$941$617$395$249$116
36 years$1,345$893$577$364$226$103
37 years$1,294$848$540$335$205$90
38 years$1,246$806$506$309$186$80
39 years$1,201$767$474$285$168$70
40 years$1,158$730$444$263$153$62
41 years$1,117$694$416$243$138$55
42 years$1,078$661$391$224$126$48
43 years$1,041$630$366$207$114$43
44 years$1,006$601$344$191$103$38
45 years$973$573$323$176$94$33
46 years$941$546$303$163$85$29
47 years$911$521$285$150$77$26
48 years$881$498$268$139$70$23
49 years$854$475$252$128$64$20
50 years$827$454$237$119$58$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $847,000, adding $6,752 every year, while hoping to spend $46,012 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: 47/42/11 Blend
51$847,000$847,000$847,000$847,000
52$940,359$895,468$882,339$981,380
53$987,319$890,389$862,941$1,005,298
54$1,037,527$883,520$841,351$1,025,933
55$1,091,265$874,723$817,447$1,047,288
56$1,148,844$863,854$791,102$1,069,445
57$1,210,604$850,761$762,181$1,092,499
58$1,276,917$835,280$730,546$1,116,554
59$1,348,194$817,239$696,050$1,141,731
60$1,424,883$796,457$658,541$1,168,165
61$1,507,478$772,741$617,859$1,196,009
62$1,596,522$745,886$573,838$1,225,435
63$1,692,609$715,677$526,304$1,256,636
64$1,796,394$681,884$475,075$1,289,830
65$1,908,597$644,267$419,960$1,325,261
66$2,030,007$602,568$360,761$1,363,205
67$2,161,492$556,519$297,272$1,403,967
68$2,304,009$505,833$229,275$1,447,892
69$2,458,606$450,207$156,544$1,495,366
70$2,626,440$389,323$78,844$1,546,819
71$2,808,779$322,843$0$1,602,732
72$3,007,023$250,410$0$1,664,122
73$3,222,707$171,648$0$1,741,018
74$3,457,524$86,160$0$1,824,855
75$3,713,334$0$0$1,916,413
76$3,992,185$0$0$2,019,551
77$4,296,333$0$0$2,175,564
78$4,628,257$0$0$2,345,916
79$4,990,689$0$0$2,532,019
80$5,386,635$0$0$2,735,431
81$5,819,405$0$0$2,957,862
82$6,292,642$0$0$3,201,199
83$6,810,359$0$0$3,467,518
84$7,376,972$0$0$3,759,105
85$7,997,347$0$0$4,078,477
86$8,676,840$0$0$4,428,408
87$9,421,349$0$0$4,811,951
88$10,237,372$0$0$5,232,468
89$11,132,063$0$0$5,693,663
90$12,113,303$0$0$6,199,616
91$13,189,771$0$0$6,754,819
92$14,371,027$0$0$7,364,223
93$15,667,602$0$0$8,033,280
94$17,091,096$0$0$8,767,994
95$18,654,286$0$0$9,574,981
96$20,371,249$0$0$10,461,530
97$22,257,489$0$0$11,435,669
98$24,330,090$0$0$12,506,242
99$26,607,870$0$0$13,682,994
100$29,111,562$0$0$14,976,659