Can I retire at age 52 with 839,000?

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 $839,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.4%
1 years$69,284$68,667$68,065$67,477$66,903$64,891
2 years$34,299$33,660$33,041$32,441$31,859$29,849
3 years$22,639$21,997$21,380$20,785$20,212$18,268
4 years$16,810$16,170$15,559$14,975$14,416$12,551
5 years$13,313$12,678$12,074$11,502$10,959$9,178
6 years$10,983$10,352$9,758$9,198$8,671$6,977
7 years$9,320$8,694$8,109$7,562$7,052$5,445
8 years$8,072$7,452$6,877$6,344$5,850$4,328
9 years$7,103$6,489$5,923$5,404$4,927$3,489
10 years$6,327$5,719$5,164$4,658$4,198$2,841
11 years$5,694$5,092$4,546$4,054$3,610$2,333
12 years$5,166$4,570$4,035$3,556$3,129$1,928
13 years$4,720$4,130$3,605$3,139$2,728$1,602
14 years$4,337$3,754$3,239$2,787$2,392$1,336
15 years$4,006$3,429$2,924$2,485$2,106$1,119
16 years$3,717$3,146$2,651$2,225$1,861$939
17 years$3,462$2,898$2,413$1,999$1,650$790
18 years$3,236$2,678$2,202$1,802$1,467$666
19 years$3,033$2,482$2,016$1,628$1,308$563
20 years$2,851$2,306$1,850$1,475$1,168$476
21 years$2,687$2,148$1,702$1,338$1,045$403
22 years$2,538$2,005$1,569$1,217$937$341
23 years$2,402$1,875$1,448$1,108$841$289
24 years$2,277$1,757$1,339$1,011$756$245
25 years$2,163$1,649$1,241$923$680$208
26 years$2,058$1,550$1,151$844$613$177
27 years$1,960$1,458$1,068$772$552$150
28 years$1,870$1,374$993$708$498$128
29 years$1,786$1,296$924$649$450$109
30 years$1,708$1,224$861$596$407$93
31 years$1,635$1,157$803$547$368$79
32 years$1,567$1,095$749$503$333$67
33 years$1,503$1,037$699$462$301$57
34 years$1,442$983$653$425$273$49
35 years$1,386$932$611$392$247$41
36 years$1,333$885$571$361$224$35
37 years$1,282$840$535$332$203$30
38 years$1,235$799$501$306$184$25
39 years$1,190$760$469$282$167$22
40 years$1,147$723$440$260$151$18
41 years$1,107$688$412$240$137$16
42 years$1,068$655$387$222$124$13
43 years$1,032$624$363$205$113$11
44 years$997$595$341$189$103$10
45 years$964$567$320$175$93$8
46 years$932$541$300$161$84$7
47 years$902$517$282$149$77$6
48 years$873$493$265$138$70$5
49 years$846$471$249$127$63$4
50 years$819$450$234$118$57$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $839,000, adding $5,986 every year, while hoping to spend $22,954 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: 54/23/23 Blend
51$839,000$839,000$839,000$839,000
52$930,753$886,286$873,281$974,832
53$1,001,266$905,291$878,113$1,024,794
54$1,078,203$924,458$882,338$1,076,263
55$1,162,194$943,770$885,910$1,131,812
56$1,253,934$963,211$888,784$1,191,838
57$1,354,187$982,760$890,910$1,256,781
58$1,463,794$1,002,395$892,235$1,327,123
59$1,583,683$1,022,095$892,707$1,403,398
60$1,714,874$1,041,833$892,268$1,486,194
61$1,858,491$1,061,582$890,859$1,576,158
62$2,015,770$1,081,313$888,416$1,674,005
63$2,188,076$1,100,994$884,875$1,780,522
64$2,376,907$1,120,590$880,166$1,896,578
65$2,583,917$1,140,064$874,217$2,023,130
66$2,810,925$1,159,377$866,952$2,161,234
67$3,059,938$1,178,484$858,293$2,312,053
68$3,333,162$1,197,340$848,156$2,476,871
69$3,633,029$1,215,895$836,454$2,657,102
70$3,962,220$1,234,095$823,097$2,854,307
71$4,323,684$1,251,884$807,989$3,070,204
72$4,720,674$1,269,200$791,030$3,306,691
73$5,156,770$1,285,978$772,117$3,565,857
74$5,635,916$1,302,147$751,139$3,850,009
75$6,162,461$1,317,633$727,983$4,161,686
76$6,741,190$1,332,356$702,529$4,503,691
77$7,377,380$1,346,230$674,653$4,879,112
78$8,076,843$1,359,165$644,223$5,291,355
79$8,845,979$1,371,063$611,103$5,744,175
80$9,691,845$1,381,820$575,151$6,241,710
81$10,622,211$1,391,328$536,216$6,788,523
82$11,645,642$1,399,468$494,145$7,389,645
83$12,771,571$1,406,116$448,772$8,050,622
84$14,010,395$1,411,139$399,930$8,777,567
85$15,373,566$1,414,396$347,438$9,577,220
86$16,873,706$1,415,736$291,113$10,457,012
87$18,524,718$1,415,002$230,760$11,425,131
88$20,341,926$1,412,024$166,177$12,490,608
89$22,342,211$1,406,621$97,152$13,663,396
90$24,544,175$1,398,605$23,466$14,954,465
91$26,968,316$1,387,772$0$16,375,910
92$29,637,220$1,373,908$0$17,954,602
93$32,575,773$1,356,786$0$19,698,723
94$35,811,398$1,336,165$0$21,618,769
95$39,374,314$1,311,790$0$23,732,659
96$43,297,816$1,283,390$0$26,060,141
97$47,618,597$1,250,679$0$28,622,982
98$52,377,086$1,213,355$0$31,445,165
99$57,617,834$1,171,095$0$34,553,125
100$63,389,935$1,123,560$0$37,975,994