Can I retire at age 52 with 833,000?

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 $833,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$68,788$68,176$67,578$66,994$66,425$64,557
2 years$34,054$33,419$32,805$32,209$31,631$29,764
3 years$22,477$21,840$21,227$20,637$20,068$18,259
4 years$16,690$16,055$15,448$14,867$14,313$12,577
5 years$13,218$12,587$11,988$11,420$10,880$9,222
6 years$10,905$10,278$9,688$9,132$8,609$7,030
7 years$9,253$8,632$8,051$7,508$7,002$5,501
8 years$8,015$7,399$6,828$6,298$5,808$4,386
9 years$7,052$6,442$5,881$5,365$4,892$3,546
10 years$6,282$5,678$5,127$4,625$4,168$2,897
11 years$5,653$5,055$4,514$4,025$3,584$2,387
12 years$5,129$4,537$4,006$3,530$3,106$1,979
13 years$4,686$4,100$3,579$3,117$2,709$1,650
14 years$4,306$3,727$3,216$2,767$2,374$1,381
15 years$3,978$3,405$2,903$2,467$2,091$1,160
16 years$3,691$3,124$2,632$2,209$1,848$977
17 years$3,437$2,877$2,395$1,985$1,638$825
18 years$3,213$2,658$2,187$1,789$1,457$698
19 years$3,012$2,464$2,002$1,616$1,298$592
20 years$2,831$2,289$1,837$1,464$1,160$502
21 years$2,668$2,133$1,690$1,329$1,038$427
22 years$2,520$1,991$1,557$1,208$930$363
23 years$2,385$1,862$1,438$1,100$835$309
24 years$2,261$1,744$1,330$1,003$751$263
25 years$2,148$1,637$1,232$916$675$225
26 years$2,043$1,539$1,142$838$608$192
27 years$1,946$1,448$1,061$767$549$163
28 years$1,857$1,364$986$703$495$139
29 years$1,773$1,287$918$644$447$119
30 years$1,696$1,216$855$591$404$102
31 years$1,623$1,149$797$543$365$87
32 years$1,555$1,087$744$499$330$74
33 years$1,492$1,030$694$459$299$63
34 years$1,432$976$649$422$271$54
35 years$1,376$926$606$389$245$46
36 years$1,323$879$567$358$222$40
37 years$1,273$834$531$330$201$34
38 years$1,226$793$497$304$182$29
39 years$1,181$754$466$280$165$25
40 years$1,139$717$437$259$150$21
41 years$1,099$683$409$239$136$18
42 years$1,061$650$384$220$124$15
43 years$1,024$620$360$203$112$13
44 years$990$591$338$188$102$11
45 years$957$563$318$173$92$10
46 years$925$537$298$160$84$8
47 years$895$513$280$148$76$7
48 years$867$490$263$137$69$6
49 years$839$467$248$126$63$5
50 years$813$447$233$117$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $833,000, adding $4,894 every year, while hoping to spend $51,497 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: 68/13/19 Blend
51$833,000$833,000$833,000$833,000
52$923,014$878,865$865,954$981,149
53$962,369$867,137$840,171$1,008,891
54$1,004,012$853,108$811,798$1,032,754
55$1,048,123$836,612$780,695$1,057,597
56$1,094,897$817,471$746,713$1,083,515
57$1,144,547$795,498$709,698$1,110,612
58$1,197,307$770,494$669,490$1,139,003
59$1,253,434$742,249$625,919$1,168,820
60$1,313,206$710,542$578,810$1,200,207
61$1,376,931$675,136$527,978$1,233,326
62$1,444,944$635,784$473,231$1,268,357
63$1,517,612$592,221$414,368$1,305,500
64$1,595,339$544,171$351,180$1,344,978
65$1,678,567$491,338$283,447$1,387,040
66$1,767,779$433,412$210,942$1,431,961
67$1,863,509$370,065$133,424$1,480,048
68$1,966,338$300,950$50,645$1,531,643
69$2,076,907$225,699$0$1,587,124
70$2,195,920$143,926$0$1,654,554
71$2,324,147$55,223$0$1,738,212
72$2,462,438$0$0$1,828,396
73$2,611,723$0$0$1,931,585
74$2,773,026$0$0$2,051,654
75$2,947,471$0$0$2,181,546
76$3,136,294$0$0$2,322,187
77$3,340,856$0$0$2,474,595
78$3,562,649$0$0$2,639,887
79$3,803,318$0$0$2,819,296
80$4,064,669$0$0$3,014,173
81$4,348,691$0$0$3,226,008
82$4,657,570$0$0$3,456,438
83$4,993,711$0$0$3,707,266
84$5,359,763$0$0$3,980,474
85$5,758,638$0$0$4,278,243
86$6,193,542$0$0$4,602,976
87$6,668,003$0$0$4,957,314
88$7,185,905$0$0$5,344,167
89$7,751,522$0$0$5,766,737
90$8,369,561$0$0$6,228,550
91$9,045,202$0$0$6,733,485
92$9,784,151$0$0$7,285,818
93$10,592,686$0$0$7,890,252
94$11,477,725$0$0$8,551,969
95$12,446,881$0$0$9,276,673
96$13,508,543$0$0$10,070,648
97$14,671,944$0$0$10,940,813
98$15,947,257$0$0$11,894,788
99$17,345,682$0$0$12,940,966
100$18,879,559$0$0$14,088,590