Can I retire at age 52 with 849,000?

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 $849,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.1%
1 years$70,110$69,485$68,876$68,281$67,700$66,552
2 years$34,708$34,061$33,435$32,827$32,238$31,084
3 years$22,909$22,259$21,635$21,033$20,453$19,330
4 years$17,010$16,363$15,744$15,153$14,587$13,504
5 years$13,472$12,829$12,218$11,639$11,089$10,048
6 years$11,114$10,476$9,874$9,308$8,774$7,777
7 years$9,431$8,797$8,206$7,652$7,136$6,183
8 years$8,168$7,541$6,959$6,419$5,920$5,011
9 years$7,187$6,566$5,994$5,468$4,985$4,120
10 years$6,403$5,787$5,225$4,713$4,248$3,425
11 years$5,761$5,152$4,600$4,102$3,653$2,872
12 years$5,227$4,624$4,083$3,598$3,166$2,425
13 years$4,776$4,179$3,648$3,177$2,761$2,060
14 years$4,389$3,799$3,277$2,820$2,420$1,758
15 years$4,054$3,470$2,959$2,515$2,131$1,506
16 years$3,761$3,184$2,683$2,252$1,883$1,294
17 years$3,503$2,932$2,441$2,023$1,670$1,115
18 years$3,274$2,709$2,229$1,823$1,485$963
19 years$3,070$2,511$2,040$1,647$1,323$834
20 years$2,885$2,333$1,872$1,492$1,182$723
21 years$2,719$2,174$1,722$1,354$1,058$627
22 years$2,568$2,029$1,587$1,231$948$545
23 years$2,431$1,898$1,466$1,121$851$474
24 years$2,305$1,778$1,355$1,023$765$413
25 years$2,189$1,668$1,255$934$688$360
26 years$2,082$1,568$1,164$854$620$314
27 years$1,984$1,476$1,081$782$559$274
28 years$1,892$1,391$1,005$716$504$240
29 years$1,807$1,312$935$657$455$209
30 years$1,728$1,239$871$603$412$183
31 years$1,654$1,171$812$554$372$160
32 years$1,585$1,108$758$509$337$140
33 years$1,520$1,049$708$468$305$122
34 years$1,460$995$661$430$276$107
35 years$1,402$943$618$396$250$94
36 years$1,348$895$578$365$226$82
37 years$1,298$850$541$336$205$72
38 years$1,249$808$507$310$186$63
39 years$1,204$769$475$286$169$55
40 years$1,161$731$445$264$153$48
41 years$1,120$696$417$243$139$42
42 years$1,081$663$391$224$126$37
43 years$1,044$632$367$207$114$32
44 years$1,009$602$345$191$104$28
45 years$975$574$324$177$94$25
46 years$943$548$304$163$86$22
47 years$913$523$286$151$78$19
48 years$884$499$268$139$71$17
49 years$856$476$252$129$64$15
50 years$829$455$237$119$58$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $849,000, adding $6,066 every year, while hoping to spend $44,017 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: 43/41/16 Blend
51$849,000$849,000$849,000$849,000
52$941,855$896,858$883,699$977,732
53$991,091$893,970$866,469$1,000,651
54$1,043,873$889,466$847,186$1,020,639
55$1,100,517$883,219$825,736$1,041,352
56$1,161,369$875,096$801,998$1,062,878
57$1,226,810$864,957$775,846$1,085,314
58$1,297,254$852,650$747,147$1,108,772
59$1,373,162$838,017$715,764$1,133,378
60$1,455,035$820,891$681,553$1,159,275
61$1,543,427$801,092$644,362$1,186,622
62$1,638,943$778,433$604,035$1,215,600
63$1,742,252$752,712$560,407$1,246,413
64$1,854,087$723,720$513,306$1,279,288
65$1,975,253$691,233$462,552$1,314,483
66$2,106,639$655,013$407,957$1,352,284
67$2,249,218$614,810$349,325$1,393,013
68$2,404,062$570,360$286,452$1,437,031
69$2,572,352$521,383$219,123$1,484,742
70$2,755,384$467,582$147,116$1,536,595
71$2,954,585$408,647$70,196$1,593,095
72$3,171,527$344,245$0$1,654,804
73$3,407,938$274,028$0$1,724,377
74$3,665,719$197,627$0$1,813,407
75$3,946,965$114,653$0$1,910,720
76$4,253,979$24,694$0$2,017,231
77$4,589,298$0$0$2,133,955
78$4,955,713$0$0$2,294,810
79$5,356,300$0$0$2,482,946
80$5,794,442$0$0$2,688,826
81$6,273,867$0$0$2,914,213
82$6,798,677$0$0$3,161,050
83$7,373,392$0$0$3,431,476
84$8,002,986$0$0$3,727,848
85$8,692,941$0$0$4,052,760
86$9,449,292$0$0$4,409,070
87$10,278,684$0$0$4,799,926
88$11,188,440$0$0$5,228,794
89$12,186,623$0$0$5,699,495
90$13,282,115$0$0$6,216,234
91$14,484,699$0$0$6,783,646
92$15,805,153$0$0$7,406,834
93$17,255,349$0$0$8,091,422
94$18,848,363$0$0$8,843,604
95$20,598,604$0$0$9,670,204
96$22,521,941$0$0$10,578,742
97$24,635,861$0$0$11,577,498
98$26,959,627$0$0$12,675,600
99$29,514,460$0$0$13,883,099
100$32,323,742$0$0$15,211,073