Can I retire at age 52 with 841,000?

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 $841,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$69,449$68,830$68,227$67,638$67,063$65,843
2 years$34,381$33,740$33,120$32,518$31,935$30,710
3 years$22,693$22,050$21,431$20,835$20,261$19,070
4 years$16,850$16,209$15,596$15,010$14,450$13,302
5 years$13,345$12,708$12,103$11,529$10,985$9,882
6 years$11,009$10,377$9,781$9,220$8,692$7,637
7 years$9,342$8,715$8,128$7,580$7,069$6,061
8 years$8,091$7,470$6,893$6,359$5,864$4,903
9 years$7,120$6,504$5,937$5,416$4,939$4,024
10 years$6,343$5,733$5,176$4,669$4,208$3,339
11 years$5,707$5,104$4,557$4,063$3,619$2,795
12 years$5,178$4,581$4,044$3,564$3,136$2,356
13 years$4,731$4,140$3,613$3,147$2,735$1,997
14 years$4,348$3,763$3,247$2,793$2,397$1,700
15 years$4,016$3,437$2,931$2,491$2,111$1,454
16 years$3,726$3,154$2,658$2,230$1,865$1,247
17 years$3,470$2,905$2,418$2,004$1,654$1,072
18 years$3,243$2,684$2,208$1,806$1,471$924
19 years$3,041$2,487$2,021$1,632$1,311$798
20 years$2,858$2,311$1,855$1,478$1,171$690
21 years$2,694$2,153$1,706$1,341$1,048$598
22 years$2,544$2,010$1,572$1,220$939$518
23 years$2,408$1,880$1,452$1,111$843$450
24 years$2,283$1,761$1,343$1,013$758$391
25 years$2,168$1,653$1,244$925$682$340
26 years$2,063$1,553$1,153$846$614$296
27 years$1,965$1,462$1,071$774$554$258
28 years$1,874$1,378$996$709$500$224
29 years$1,790$1,300$926$651$451$196
30 years$1,712$1,227$863$597$408$171
31 years$1,639$1,160$805$548$369$149
32 years$1,570$1,098$751$504$333$130
33 years$1,506$1,040$701$463$302$113
34 years$1,446$985$655$426$273$99
35 years$1,389$935$612$393$247$86
36 years$1,336$887$573$362$224$75
37 years$1,285$842$536$333$203$66
38 years$1,238$801$502$307$184$57
39 years$1,193$761$470$283$167$50
40 years$1,150$724$441$261$152$44
41 years$1,109$689$413$241$137$38
42 years$1,071$657$388$222$125$33
43 years$1,034$626$364$205$113$29
44 years$999$596$342$189$103$26
45 years$966$569$321$175$93$22
46 years$934$543$301$162$85$20
47 years$904$518$283$149$77$17
48 years$875$494$266$138$70$15
49 years$848$472$250$128$63$13
50 years$821$451$235$118$58$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $841,000, adding $2,485 every year, while hoping to spend $46,849 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: 65/25/10 Blend
51$841,000$841,000$841,000$841,000
52$929,345$884,772$871,737$987,606
53$974,292$878,279$851,093$1,020,257
54$1,022,252$869,898$828,187$1,050,174
55$1,073,485$859,486$802,895$1,081,660
56$1,128,273$846,893$775,084$1,114,865
57$1,186,926$831,960$744,619$1,149,955
58$1,249,784$814,518$711,355$1,187,114
59$1,317,220$794,388$675,144$1,226,547
60$1,389,644$771,379$635,828$1,268,481
61$1,467,503$745,293$593,244$1,313,170
62$1,551,292$715,916$547,222$1,360,892
63$1,641,552$683,023$497,581$1,411,958
64$1,738,877$646,378$444,137$1,466,714
65$1,843,920$605,729$386,694$1,525,541
66$1,957,400$560,810$325,048$1,588,862
67$2,080,105$511,339$258,987$1,657,147
68$2,212,902$457,021$188,289$1,730,916
69$2,356,744$397,541$112,723$1,810,746
70$2,512,679$332,568$32,046$1,897,276
71$2,681,859$261,750$0$1,991,214
72$2,865,551$184,718$0$2,099,109
73$3,065,149$101,082$0$2,220,087
74$3,282,187$10,427$0$2,351,714
75$3,518,350$0$0$2,495,085
76$3,775,496$0$0$2,675,528
77$4,055,667$0$0$2,875,305
78$4,361,109$0$0$3,093,156
79$4,694,298$0$0$3,330,852
80$5,057,954$0$0$3,590,341
81$5,455,076$0$0$3,873,771
82$5,888,963$0$0$4,183,502
83$6,363,246$0$0$4,522,136
84$6,881,925$0$0$4,892,537
85$7,449,403$0$0$5,297,856
86$8,070,527$0$0$5,741,565
87$8,750,636$0$0$6,227,488
88$9,495,609$0$0$6,759,833
89$10,311,921$0$0$7,343,238
90$11,206,700$0$0$7,982,808
91$12,187,800$0$0$8,684,167
92$13,263,871$0$0$9,453,508
93$14,444,437$0$0$10,297,655
94$15,739,991$0$0$11,224,120
95$17,162,093$0$0$12,241,183
96$18,723,472$0$0$13,357,960
97$20,438,154$0$0$14,584,496
98$22,321,587$0$0$15,931,856
99$24,390,791$0$0$17,412,228
100$26,664,514$0$0$19,039,041