Can I retire at age 52 with 835,000?

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 $835,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$68,954$68,339$67,740$67,155$66,584$64,018
2 years$34,135$33,500$32,884$32,286$31,707$29,152
3 years$22,531$21,892$21,278$20,686$20,116$17,653
4 years$16,730$16,093$15,485$14,903$14,347$11,995
5 years$13,250$12,617$12,017$11,447$10,906$8,671
6 years$10,931$10,303$9,711$9,154$8,630$6,512
7 years$9,275$8,652$8,070$7,526$7,018$5,018
8 years$8,034$7,417$6,844$6,314$5,822$3,938
9 years$7,069$6,458$5,895$5,378$4,903$3,131
10 years$6,297$5,692$5,139$4,636$4,178$2,515
11 years$5,666$5,067$4,525$4,034$3,593$2,036
12 years$5,141$4,548$4,015$3,539$3,114$1,658
13 years$4,697$4,110$3,588$3,124$2,715$1,357
14 years$4,317$3,736$3,223$2,773$2,380$1,115
15 years$3,987$3,413$2,910$2,473$2,096$919
16 years$3,699$3,131$2,639$2,215$1,852$759
17 years$3,446$2,884$2,401$1,990$1,642$629
18 years$3,220$2,665$2,192$1,793$1,460$521
19 years$3,019$2,470$2,007$1,620$1,302$433
20 years$2,838$2,295$1,841$1,467$1,163$360
21 years$2,674$2,138$1,694$1,332$1,040$300
22 years$2,526$1,995$1,561$1,211$933$249
23 years$2,390$1,866$1,441$1,103$837$208
24 years$2,267$1,749$1,333$1,006$752$173
25 years$2,153$1,641$1,235$919$677$145
26 years$2,048$1,542$1,145$840$610$121
27 years$1,951$1,451$1,063$769$550$101
28 years$1,861$1,368$989$704$496$84
29 years$1,778$1,290$920$646$448$70
30 years$1,700$1,218$857$593$405$59
31 years$1,627$1,152$799$544$366$49
32 years$1,559$1,090$745$500$331$41
33 years$1,495$1,032$696$460$300$34
34 years$1,436$978$650$423$271$29
35 years$1,379$928$608$390$246$24
36 years$1,326$881$569$359$223$20
37 years$1,276$836$532$331$202$17
38 years$1,229$795$498$305$183$14
39 years$1,184$756$467$281$166$12
40 years$1,142$719$438$259$150$10
41 years$1,101$685$410$239$136$8
42 years$1,063$652$385$221$124$7
43 years$1,027$621$361$204$112$6
44 years$992$592$339$188$102$5
45 years$959$565$318$174$93$4
46 years$928$539$299$160$84$3
47 years$898$514$281$148$76$3
48 years$869$491$264$137$69$2
49 years$842$469$248$127$63$2
50 years$815$448$233$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $835,000, adding $2,408 every year, while hoping to spend $34,804 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: 41/39/20 Blend
51$835,000$835,000$835,000$835,000
52$922,654$878,399$865,456$954,957
53$979,733$884,409$857,418$984,216
54$1,041,468$889,548$847,944$1,012,332
55$1,108,297$893,735$836,949$1,042,049
56$1,180,702$896,885$824,345$1,073,530
57$1,259,211$898,911$810,038$1,106,960
58$1,344,408$899,714$793,932$1,142,543
59$1,436,932$899,196$775,923$1,180,505
60$1,537,489$897,246$755,907$1,221,098
61$1,646,854$893,752$733,770$1,264,604
62$1,765,879$888,591$709,397$1,311,334
63$1,895,502$881,636$682,666$1,361,634
64$2,036,756$872,749$653,448$1,415,888
65$2,190,778$861,786$621,611$1,474,523
66$2,358,817$848,594$587,015$1,538,013
67$2,542,251$833,009$549,514$1,606,883
68$2,742,594$814,860$508,956$1,681,715
69$2,961,514$793,964$465,182$1,763,156
70$3,200,848$770,128$418,026$1,851,923
71$3,462,619$743,148$367,313$1,948,810
72$3,749,051$712,807$312,863$2,054,696
73$4,062,596$678,877$254,486$2,170,557
74$4,405,955$641,115$191,985$2,297,472
75$4,782,098$599,266$125,153$2,436,637
76$5,194,300$553,058$53,773$2,589,376
77$5,646,166$502,206$0$2,757,155
78$6,141,668$446,406$0$2,946,375
79$6,685,177$385,339$0$3,166,608
80$7,281,512$318,667$0$3,408,405
81$7,935,978$246,034$0$3,674,016
82$8,654,419$167,062$0$3,965,927
83$9,443,275$81,352$0$4,286,884
84$10,309,635$0$0$4,639,919
85$11,261,314$0$0$5,033,322
86$12,306,917$0$0$5,504,021
87$13,455,926$0$0$6,021,386
88$14,718,784$0$0$6,590,136
89$16,107,001$0$0$7,215,466
90$17,633,253$0$0$7,903,105
91$19,311,508$0$0$8,659,360
92$21,157,155$0$0$9,491,182
93$23,187,147$0$0$10,406,229
94$25,420,166$0$0$11,412,941
95$27,876,792$0$0$12,520,613
96$30,579,702$0$0$13,739,490
97$33,553,884$0$0$15,080,858
98$36,826,865$0$0$16,557,153
99$40,428,981$0$0$18,182,080
100$44,393,655$0$0$19,970,736