Can I retire at age 52 with 836,000?

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 $836,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$69,036$68,421$67,821$67,236$66,664$64,146
2 years$34,176$33,540$32,923$32,325$31,745$29,237
3 years$22,558$21,919$21,303$20,711$20,140$17,722
4 years$16,750$16,113$15,503$14,921$14,364$12,053
5 years$13,266$12,632$12,031$11,461$10,919$8,722
6 years$10,944$10,315$9,723$9,165$8,640$6,558
7 years$9,286$8,663$8,080$7,535$7,027$5,059
8 years$8,043$7,426$6,852$6,321$5,829$3,975
9 years$7,077$6,465$5,902$5,384$4,909$3,165
10 years$6,305$5,699$5,145$4,641$4,183$2,545
11 years$5,673$5,073$4,530$4,039$3,597$2,063
12 years$5,147$4,554$4,020$3,543$3,117$1,683
13 years$4,703$4,115$3,592$3,128$2,718$1,379
14 years$4,322$3,741$3,227$2,777$2,383$1,134
15 years$3,992$3,417$2,914$2,476$2,098$936
16 years$3,704$3,135$2,642$2,217$1,854$775
17 years$3,450$2,887$2,404$1,992$1,644$642
18 years$3,224$2,668$2,194$1,795$1,462$533
19 years$3,023$2,473$2,009$1,622$1,303$444
20 years$2,841$2,298$1,844$1,469$1,164$369
21 years$2,678$2,140$1,696$1,333$1,042$308
22 years$2,529$1,998$1,563$1,212$934$257
23 years$2,393$1,869$1,443$1,104$838$214
24 years$2,269$1,751$1,335$1,007$753$179
25 years$2,155$1,643$1,236$920$678$150
26 years$2,050$1,544$1,146$841$611$125
27 years$1,953$1,453$1,065$770$550$105
28 years$1,863$1,369$990$705$497$87
29 years$1,780$1,292$921$647$449$73
30 years$1,702$1,220$858$594$405$61
31 years$1,629$1,153$800$545$366$51
32 years$1,561$1,091$746$501$331$43
33 years$1,497$1,033$697$461$300$36
34 years$1,437$979$651$424$272$30
35 years$1,381$929$609$390$246$25
36 years$1,328$882$569$359$223$21
37 years$1,278$837$533$331$202$18
38 years$1,230$796$499$305$183$15
39 years$1,185$757$468$281$166$12
40 years$1,143$720$438$260$151$10
41 years$1,103$685$411$239$137$9
42 years$1,064$653$385$221$124$7
43 years$1,028$622$362$204$113$6
44 years$993$593$340$188$102$5
45 years$960$565$319$174$93$4
46 years$929$539$299$161$84$4
47 years$899$515$281$148$76$3
48 years$870$491$264$137$69$3
49 years$843$469$248$127$63$2
50 years$816$448$234$117$57$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $836,000, adding $6,714 every year, while hoping to spend $20,896 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: 82/12/6 Blend
51$836,000$836,000$836,000$836,000
52$928,197$883,889$870,931$1,003,393
53$1,000,640$904,967$877,875$1,074,608
54$1,079,772$926,377$884,350$1,149,275
55$1,166,253$948,113$890,320$1,230,595
56$1,260,810$970,170$895,744$1,319,222
57$1,364,243$992,538$900,582$1,415,874
58$1,477,433$1,015,210$904,789$1,521,344
59$1,601,351$1,038,175$908,319$1,636,506
60$1,737,064$1,061,422$911,124$1,762,320
61$1,885,751$1,084,937$913,152$1,899,844
62$2,048,706$1,108,707$914,351$2,050,246
63$2,227,356$1,132,716$914,664$2,214,808
64$2,423,274$1,156,947$914,033$2,394,945
65$2,638,190$1,181,380$912,395$2,592,217
66$2,874,012$1,205,994$909,687$2,808,338
67$3,132,839$1,230,766$905,839$3,045,200
68$3,416,986$1,255,670$900,782$3,304,887
69$3,729,000$1,280,680$894,440$3,589,692
70$4,071,690$1,305,764$886,735$3,902,146
71$4,448,147$1,330,892$877,586$4,245,032
72$4,861,779$1,356,026$866,906$4,621,420
73$5,316,339$1,381,130$854,606$5,034,691
74$5,815,962$1,406,162$840,591$5,488,572
75$6,365,203$1,431,077$824,764$5,987,166
76$6,969,081$1,455,827$807,021$6,534,996
77$7,633,125$1,480,361$787,254$7,137,046
78$8,363,428$1,504,622$765,351$7,798,808
79$9,166,701$1,528,552$741,194$8,526,331
80$10,050,339$1,552,085$714,658$9,326,282
81$11,022,490$1,575,154$685,616$10,206,008
82$12,092,131$1,597,684$653,932$11,173,603
83$13,269,155$1,619,597$619,464$12,237,987
84$14,564,459$1,640,807$582,067$13,408,989
85$15,990,052$1,661,225$541,584$14,697,440
86$17,559,167$1,680,755$497,857$16,115,274
87$19,286,382$1,699,292$450,715$17,675,643
88$21,187,763$1,716,727$399,984$19,393,040
89$23,281,011$1,732,943$345,480$21,283,434
90$25,585,631$1,747,814$287,010$23,364,423
91$28,123,116$1,761,208$224,376$25,655,400
92$30,917,149$1,772,982$157,368$28,177,735
93$33,993,826$1,782,986$85,767$30,954,978
94$37,381,902$1,791,058$9,346$34,013,078
95$41,113,065$1,797,028$0$37,380,633
96$45,222,229$1,800,715$0$41,093,779
97$49,747,871$1,801,924$0$45,183,561
98$54,732,386$1,800,451$0$49,687,664
99$60,222,495$1,796,078$0$54,648,279
100$66,269,678$1,788,575$0$60,111,897