Can I retire at age 52 with 838,000?

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 $838,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$69,201$68,585$67,983$67,396$66,823$66,291
2 years$34,258$33,620$33,002$32,402$31,821$31,284
3 years$22,612$21,971$21,354$20,760$20,188$19,664
4 years$16,790$16,151$15,540$14,957$14,398$13,891
5 years$13,298$12,663$12,060$11,488$10,945$10,456
6 years$10,970$10,340$9,746$9,187$8,661$8,189
7 years$9,308$8,684$8,099$7,553$7,044$6,591
8 years$8,063$7,443$6,869$6,336$5,843$5,409
9 years$7,094$6,481$5,916$5,397$4,921$4,506
10 years$6,320$5,712$5,158$4,652$4,193$3,796
11 years$5,687$5,086$4,541$4,049$3,606$3,227
12 years$5,160$4,564$4,030$3,551$3,125$2,764
13 years$4,714$4,125$3,600$3,135$2,725$2,381
14 years$4,332$3,749$3,235$2,783$2,389$2,062
15 years$4,002$3,425$2,921$2,482$2,103$1,793
16 years$3,713$3,143$2,648$2,223$1,859$1,564
17 years$3,458$2,894$2,410$1,997$1,648$1,369
18 years$3,232$2,674$2,200$1,800$1,465$1,201
19 years$3,030$2,479$2,014$1,626$1,306$1,056
20 years$2,848$2,303$1,848$1,473$1,167$931
21 years$2,684$2,145$1,700$1,337$1,044$821
22 years$2,535$2,003$1,567$1,215$936$726
23 years$2,399$1,873$1,447$1,107$840$643
24 years$2,275$1,755$1,338$1,009$755$569
25 years$2,160$1,647$1,239$922$679$505
26 years$2,055$1,548$1,149$843$612$448
27 years$1,958$1,457$1,067$772$552$398
28 years$1,868$1,373$992$707$498$354
29 years$1,784$1,295$923$648$450$315
30 years$1,706$1,223$860$595$406$280
31 years$1,633$1,156$802$546$367$249
32 years$1,565$1,094$748$502$332$222
33 years$1,501$1,036$698$462$301$198
34 years$1,441$982$653$425$272$176
35 years$1,384$931$610$391$247$157
36 years$1,331$884$571$360$223$140
37 years$1,281$839$534$332$202$125
38 years$1,233$798$500$306$184$112
39 years$1,188$759$469$282$166$100
40 years$1,146$722$439$260$151$89
41 years$1,105$687$412$240$137$79
42 years$1,067$654$386$222$124$71
43 years$1,030$623$363$204$113$63
44 years$996$594$340$189$102$56
45 years$963$567$320$174$93$50
46 years$931$541$300$161$84$45
47 years$901$516$282$149$77$40
48 years$872$492$265$138$70$36
49 years$845$470$249$127$63$32
50 years$818$449$234$117$57$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $838,000, adding $6,628 every year, while hoping to spend $55,811 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: 30/50/20 Blend
51$838,000$838,000$838,000$838,000
52$930,313$885,899$872,910$952,223
53$965,822$869,925$842,770$953,447
54$1,003,083$851,299$809,750$949,286
55$1,042,215$829,830$773,694$943,629
56$1,083,348$805,319$734,440$936,381
57$1,126,624$777,554$691,818$927,442
58$1,172,196$746,311$645,650$916,709
59$1,220,233$711,352$595,752$904,076
60$1,270,916$672,428$541,929$889,429
61$1,324,445$629,272$483,979$872,656
62$1,381,036$581,604$421,690$853,636
63$1,440,926$529,128$354,842$832,248
64$1,504,375$471,529$283,203$808,364
65$1,571,665$408,478$206,534$781,854
66$1,643,104$339,622$124,582$752,585
67$1,719,031$264,594$37,085$720,422
68$1,799,814$183,001$0$685,224
69$1,885,859$94,432$0$658,862
70$1,977,608$0$0$638,406
71$2,075,546$0$0$616,707
72$2,180,205$0$0$649,119
73$2,292,167$0$0$683,876
74$2,412,071$0$0$721,188
75$2,540,618$0$0$761,284
76$2,678,575$0$0$804,415
77$2,826,787$0$0$850,859
78$2,986,179$0$0$900,918
79$3,157,767$0$0$954,926
80$3,342,668$0$0$1,013,250
81$3,542,107$0$0$1,076,292
82$3,757,431$0$0$1,144,494
83$3,990,120$0$0$1,218,343
84$4,241,801$0$0$1,298,374
85$4,514,260$0$0$1,385,174
86$4,809,464$0$0$1,479,390
87$5,129,573$0$0$1,581,734
88$5,476,965$0$0$1,692,987
89$5,854,251$0$0$1,814,010
90$6,264,308$0$0$1,945,751
91$6,710,298$0$0$2,089,251
92$7,195,700$0$0$2,245,655
93$7,724,343$0$0$2,416,228
94$8,300,440$0$0$2,602,356
95$8,928,628$0$0$2,805,569
96$9,614,010$0$0$3,027,550
97$10,362,202$0$0$3,270,151
98$11,179,388$0$0$3,535,412
99$12,072,375$0$0$3,825,577
100$13,048,656$0$0$4,143,121