Can I retire at age 52 with 849,000?

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 $849,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.9%
1 years$70,110$69,485$68,876$68,281$67,700$65,014
2 years$34,708$34,061$33,435$32,827$32,238$29,565
3 years$22,909$22,259$21,635$21,033$20,453$17,878
4 years$17,010$16,363$15,744$15,153$14,587$12,129
5 years$13,472$12,829$12,218$11,639$11,089$8,754
6 years$11,114$10,476$9,874$9,308$8,774$6,564
7 years$9,431$8,797$8,206$7,652$7,136$5,049
8 years$8,168$7,541$6,959$6,419$5,920$3,955
9 years$7,187$6,566$5,994$5,468$4,985$3,139
10 years$6,403$5,787$5,225$4,713$4,248$2,517
11 years$5,761$5,152$4,600$4,102$3,653$2,034
12 years$5,227$4,624$4,083$3,598$3,166$1,653
13 years$4,776$4,179$3,648$3,177$2,761$1,350
14 years$4,389$3,799$3,277$2,820$2,420$1,107
15 years$4,054$3,470$2,959$2,515$2,131$910
16 years$3,761$3,184$2,683$2,252$1,883$750
17 years$3,503$2,932$2,441$2,023$1,670$620
18 years$3,274$2,709$2,229$1,823$1,485$513
19 years$3,070$2,511$2,040$1,647$1,323$425
20 years$2,885$2,333$1,872$1,492$1,182$352
21 years$2,719$2,174$1,722$1,354$1,058$293
22 years$2,568$2,029$1,587$1,231$948$243
23 years$2,431$1,898$1,466$1,121$851$202
24 years$2,305$1,778$1,355$1,023$765$168
25 years$2,189$1,668$1,255$934$688$140
26 years$2,082$1,568$1,164$854$620$117
27 years$1,984$1,476$1,081$782$559$97
28 years$1,892$1,391$1,005$716$504$81
29 years$1,807$1,312$935$657$455$67
30 years$1,728$1,239$871$603$412$56
31 years$1,654$1,171$812$554$372$47
32 years$1,585$1,108$758$509$337$39
33 years$1,520$1,049$708$468$305$33
34 years$1,460$995$661$430$276$27
35 years$1,402$943$618$396$250$23
36 years$1,348$895$578$365$226$19
37 years$1,298$850$541$336$205$16
38 years$1,249$808$507$310$186$13
39 years$1,204$769$475$286$169$11
40 years$1,161$731$445$264$153$9
41 years$1,120$696$417$243$139$8
42 years$1,081$663$391$224$126$6
43 years$1,044$632$367$207$114$5
44 years$1,009$602$345$191$104$4
45 years$975$574$324$177$94$4
46 years$943$548$304$163$86$3
47 years$913$523$286$151$78$3
48 years$884$499$268$139$71$2
49 years$856$476$252$129$64$2
50 years$829$455$237$119$58$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $849,000, adding $5,890 every year, while hoping to spend $54,413 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: 27/43/30 Blend
51$849,000$849,000$849,000$849,000
52$941,674$896,677$883,517$958,227
53$979,829$882,719$855,220$958,263
54$1,020,053$866,253$824,151$953,279
55$1,062,499$847,100$790,160$946,840
56$1,107,333$825,067$753,090$938,862
57$1,154,740$799,954$712,777$929,258
58$1,204,917$771,545$669,049$917,936
59$1,258,082$739,615$621,726$904,805
60$1,314,474$703,924$570,621$889,768
61$1,374,352$664,218$515,539$872,728
62$1,438,000$620,228$456,273$853,586
63$1,505,729$571,673$392,612$832,240
64$1,577,880$518,252$324,331$808,586
65$1,654,826$459,647$251,198$782,521
66$1,736,973$395,526$172,968$753,940
67$1,824,771$325,532$89,389$722,738
68$1,918,708$249,294$194$688,810
69$2,019,324$166,417$0$652,052
70$2,127,206$76,483$0$642,769
71$2,243,003$0$0$632,499
72$2,367,424$0$0$631,091
73$2,501,248$0$0$668,599
74$2,645,331$0$0$709,088
75$2,800,613$0$0$752,833
76$2,968,126$0$0$800,141
77$3,149,003$0$0$851,344
78$3,344,491$0$0$906,813
79$3,555,958$0$0$966,951
80$3,784,911$0$0$1,032,205
81$4,033,003$0$0$1,103,063
82$4,302,055$0$0$1,180,063
83$4,594,068$0$0$1,263,800
84$4,911,241$0$0$1,354,923
85$5,255,996$0$0$1,454,151
86$5,630,997$0$0$1,562,273
87$6,039,172$0$0$1,680,156
88$6,483,747$0$0$1,808,758
89$6,968,268$0$0$1,949,129
90$7,496,641$0$0$2,102,428
91$8,073,162$0$0$2,269,931
92$8,702,562$0$0$2,453,039
93$9,390,048$0$0$2,653,300
94$10,141,352$0$0$2,872,413
95$10,962,785$0$0$3,112,254
96$11,861,295$0$0$3,374,884
97$12,844,533$0$0$3,662,575
98$13,920,923$0$0$3,977,830
99$15,099,741$0$0$4,323,403
100$16,391,204$0$0$4,702,329