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%14.3%
1 years$69,944$69,321$68,714$68,120$67,541$66,340
2 years$34,626$33,981$33,356$32,750$32,162$30,957
3 years$22,855$22,207$21,584$20,983$20,405$19,232
4 years$16,970$16,325$15,707$15,117$14,553$13,422
5 years$13,440$12,799$12,190$11,612$11,063$9,977
6 years$11,088$10,451$9,851$9,286$8,754$7,714
7 years$9,408$8,777$8,186$7,634$7,119$6,125
8 years$8,149$7,523$6,943$6,404$5,906$4,959
9 years$7,170$6,550$5,980$5,455$4,974$4,072
10 years$6,388$5,774$5,213$4,702$4,238$3,381
11 years$5,748$5,140$4,590$4,092$3,645$2,832
12 years$5,215$4,613$4,073$3,590$3,158$2,388
13 years$4,765$4,169$3,639$3,169$2,754$2,026
14 years$4,379$3,790$3,270$2,813$2,414$1,726
15 years$4,045$3,462$2,952$2,509$2,126$1,477
16 years$3,753$3,176$2,677$2,246$1,879$1,267
17 years$3,495$2,925$2,436$2,018$1,666$1,090
18 years$3,267$2,703$2,223$1,819$1,481$940
19 years$3,062$2,505$2,035$1,644$1,320$813
20 years$2,879$2,328$1,868$1,489$1,179$703
21 years$2,713$2,168$1,718$1,351$1,055$610
22 years$2,562$2,024$1,584$1,228$946$529
23 years$2,425$1,893$1,462$1,119$849$460
24 years$2,299$1,774$1,352$1,020$763$400
25 years$2,184$1,665$1,252$932$687$348
26 years$2,077$1,564$1,162$852$619$303
27 years$1,979$1,472$1,079$780$558$264
28 years$1,888$1,387$1,003$715$503$230
29 years$1,803$1,309$933$655$454$201
30 years$1,724$1,236$869$601$411$175
31 years$1,650$1,168$810$552$371$153
32 years$1,581$1,106$756$508$336$134
33 years$1,517$1,047$706$467$304$117
34 years$1,456$992$660$429$275$102
35 years$1,399$941$617$395$249$89
36 years$1,345$893$577$364$226$78
37 years$1,294$848$540$335$205$68
38 years$1,246$806$506$309$186$59
39 years$1,201$767$474$285$168$52
40 years$1,158$730$444$263$153$45
41 years$1,117$694$416$243$138$40
42 years$1,078$661$391$224$126$35
43 years$1,041$630$366$207$114$30
44 years$1,006$601$344$191$103$27
45 years$973$573$323$176$94$23
46 years$941$546$303$163$85$20
47 years$911$521$285$150$77$18
48 years$881$498$268$139$70$16
49 years$854$475$252$128$64$14
50 years$827$454$237$119$58$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $847,000, adding $6,256 every year, while hoping to spend $41,108 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: 56/21/23 Blend
51$847,000$847,000$847,000$847,000
52$939,847$894,956$881,828$986,278
53$991,973$895,070$867,630$1,018,867
54$1,048,038$893,812$851,579$1,049,477
55$1,108,400$891,072$833,570$1,081,949
56$1,173,453$886,731$813,491$1,116,476
57$1,243,630$880,665$791,227$1,153,269
58$1,319,405$872,742$766,658$1,192,563
59$1,401,300$862,822$739,657$1,234,619
60$1,489,889$850,757$710,092$1,279,728
61$1,585,802$836,389$677,824$1,328,211
62$1,689,733$819,550$642,710$1,380,425
63$1,802,443$800,066$604,598$1,436,766
64$1,924,771$777,747$563,331$1,497,672
65$2,057,638$752,398$518,743$1,563,630
66$2,202,059$723,807$470,663$1,635,178
67$2,359,148$691,753$418,910$1,712,913
68$2,530,134$656,002$363,296$1,797,496
69$2,716,367$616,305$303,625$1,889,660
70$2,919,332$572,400$239,693$1,990,215
71$3,140,666$524,009$171,284$2,100,059
72$3,382,168$470,839$98,176$2,220,184
73$3,645,819$412,581$20,135$2,351,691
74$3,933,801$348,906$0$2,495,794
75$4,248,514$279,468$0$2,669,338
76$4,592,603$203,902$0$2,864,592
77$4,968,977$121,821$0$3,078,321
78$5,380,840$32,818$0$3,312,412
79$5,831,722$0$0$3,568,948
80$6,325,509$0$0$3,864,908
81$6,866,478$0$0$4,197,532
82$7,459,343$0$0$4,562,144
83$8,109,293$0$0$4,961,945
84$8,822,045$0$0$5,400,460
85$9,603,894$0$0$5,881,575
86$10,461,775$0$0$6,409,568
87$11,403,325$0$0$6,989,149
88$12,436,959$0$0$7,625,511
89$13,571,944$0$0$8,324,371
90$14,818,489$0$0$9,092,028
91$16,187,842$0$0$9,935,421
92$17,692,392$0$0$10,862,194
93$19,345,787$0$0$11,880,770
94$21,163,065$0$0$13,000,424
95$23,160,791$0$0$14,231,380
96$25,357,217$0$0$15,584,898
97$27,772,451$0$0$17,073,385
98$30,428,645$0$0$18,710,510
99$33,350,208$0$0$20,511,335
100$36,564,033$0$0$22,492,454