Can I retire at age 52 with 842,000?

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 $842,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.7%
1 years$69,532$68,912$68,308$67,718$67,142$66,663
2 years$34,422$33,781$33,159$32,557$31,973$31,489
3 years$22,720$22,076$21,456$20,859$20,285$19,813
4 years$16,870$16,228$15,615$15,028$14,467$14,010
5 years$13,361$12,723$12,118$11,543$10,998$10,556
6 years$11,023$10,389$9,793$9,231$8,702$8,277
7 years$9,353$8,725$8,138$7,589$7,077$6,669
8 years$8,101$7,479$6,902$6,367$5,871$5,480
9 years$7,128$6,512$5,944$5,423$4,944$4,569
10 years$6,350$5,740$5,182$4,675$4,213$3,854
11 years$5,714$5,110$4,562$4,068$3,623$3,281
12 years$5,184$4,586$4,049$3,568$3,140$2,813
13 years$4,736$4,145$3,618$3,150$2,738$2,427
14 years$4,353$3,767$3,250$2,797$2,400$2,104
15 years$4,021$3,442$2,935$2,494$2,113$1,832
16 years$3,730$3,158$2,661$2,233$1,868$1,601
17 years$3,474$2,908$2,421$2,006$1,656$1,403
18 years$3,247$2,687$2,210$1,808$1,472$1,233
19 years$3,044$2,490$2,023$1,634$1,312$1,086
20 years$2,862$2,314$1,857$1,480$1,172$958
21 years$2,697$2,156$1,708$1,343$1,049$847
22 years$2,547$2,012$1,574$1,221$940$749
23 years$2,411$1,882$1,453$1,112$844$664
24 years$2,286$1,763$1,344$1,014$759$589
25 years$2,171$1,655$1,245$926$683$524
26 years$2,065$1,555$1,155$847$615$465
27 years$1,967$1,464$1,072$775$554$414
28 years$1,877$1,379$997$710$500$369
29 years$1,792$1,301$928$651$452$328
30 years$1,714$1,229$864$598$408$293
31 years$1,641$1,162$806$549$369$261
32 years$1,572$1,099$752$505$334$233
33 years$1,508$1,041$702$464$302$208
34 years$1,448$986$656$427$274$186
35 years$1,391$936$613$393$248$166
36 years$1,337$888$573$362$224$148
37 years$1,287$843$537$333$203$132
38 years$1,239$802$503$307$184$118
39 years$1,194$762$471$283$167$106
40 years$1,151$725$441$261$152$94
41 years$1,111$690$414$241$138$84
42 years$1,072$657$388$223$125$76
43 years$1,035$626$364$205$113$68
44 years$1,000$597$342$190$103$60
45 years$967$569$321$175$93$54
46 years$935$543$302$162$85$48
47 years$905$518$283$150$77$43
48 years$876$495$266$138$70$39
49 years$849$473$250$128$64$35
50 years$822$451$235$118$58$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $842,000, adding $6,002 every year, while hoping to spend $26,904 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: 59/11/30 Blend
51$842,000$842,000$842,000$842,000
52$934,075$889,449$876,398$981,210
53$1,000,725$904,406$877,132$1,029,130
54$1,073,272$919,195$876,988$1,078,029
55$1,152,288$933,778$875,910$1,130,822
56$1,238,404$948,116$873,836$1,187,898
57$1,332,315$962,168$870,703$1,249,681
58$1,434,784$975,886$866,444$1,316,644
59$1,546,652$989,225$860,990$1,389,306
60$1,668,844$1,002,130$854,267$1,468,240
61$1,802,379$1,014,548$846,198$1,554,077
62$1,948,379$1,026,418$836,703$1,647,517
63$2,108,080$1,037,678$825,698$1,749,328
64$2,282,840$1,048,261$813,095$1,860,360
65$2,474,157$1,058,093$798,802$1,981,550
66$2,683,681$1,067,099$782,721$2,113,930
67$2,913,226$1,075,197$764,752$2,258,641
68$3,164,793$1,082,299$744,789$2,416,940
69$3,440,584$1,088,314$722,722$2,590,215
70$3,743,024$1,093,143$698,434$2,779,994
71$4,074,786$1,096,680$671,805$2,987,967
72$4,438,812$1,098,815$642,708$3,215,993
73$4,838,343$1,099,429$611,010$3,466,126
74$5,276,949$1,098,396$576,575$3,740,630
75$5,758,564$1,095,583$539,256$4,042,001
76$6,287,519$1,090,849$498,903$4,372,995
77$6,868,588$1,084,042$455,358$4,736,646
78$7,507,027$1,075,004$408,456$5,136,306
79$8,208,630$1,063,565$358,024$5,575,665
80$8,979,776$1,049,545$303,884$6,058,798
81$9,827,496$1,032,756$245,847$6,590,195
82$10,759,535$1,012,995$183,717$7,174,806
83$11,784,425$990,049$117,289$7,818,093
84$12,911,567$963,692$46,349$8,526,075
85$14,151,320$933,686$0$9,305,391
86$15,515,094$899,777$0$10,172,755
87$17,015,465$861,697$0$11,143,283
88$18,666,285$819,162$0$12,211,098
89$20,482,818$771,874$0$13,386,090
90$22,481,884$719,514$0$14,679,155
91$24,682,014$661,748$0$16,102,304
92$27,103,627$598,222$0$17,668,771
93$29,769,223$528,560$0$19,393,141
94$32,703,591$452,367$0$21,291,486
95$35,934,049$369,224$0$23,381,517
96$39,490,696$278,690$0$25,682,754
97$43,406,700$180,299$0$28,216,705
98$47,718,606$73,557$0$31,007,076
99$52,466,687$0$0$34,079,989
100$57,695,316$0$0$37,469,322