Can I retire at age 52 with 851,000?

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 $851,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$70,275$69,649$69,038$68,442$67,860$66,517
2 years$34,789$34,142$33,514$32,905$32,314$30,967
3 years$22,963$22,312$21,686$21,082$20,501$19,192
4 years$17,050$16,402$15,782$15,189$14,622$13,360
5 years$13,504$12,859$12,247$11,666$11,115$9,905
6 years$11,140$10,500$9,897$9,330$8,795$7,637
7 years$9,453$8,818$8,225$7,670$7,153$6,048
8 years$8,188$7,559$6,975$6,435$5,934$4,881
9 years$7,204$6,581$6,008$5,481$4,997$3,997
10 years$6,418$5,801$5,238$4,725$4,258$3,308
11 years$5,775$5,164$4,611$4,112$3,662$2,762
12 years$5,240$4,635$4,092$3,607$3,173$2,322
13 years$4,787$4,189$3,656$3,184$2,767$1,963
14 years$4,399$3,808$3,285$2,826$2,426$1,667
15 years$4,064$3,478$2,966$2,521$2,136$1,421
16 years$3,770$3,191$2,689$2,257$1,888$1,215
17 years$3,512$2,939$2,447$2,028$1,674$1,042
18 years$3,282$2,716$2,234$1,828$1,488$895
19 years$3,077$2,517$2,045$1,651$1,326$771
20 years$2,892$2,339$1,877$1,496$1,185$665
21 years$2,726$2,179$1,726$1,357$1,060$574
22 years$2,574$2,034$1,591$1,234$950$496
23 years$2,436$1,902$1,469$1,124$853$430
24 years$2,310$1,782$1,359$1,025$767$372
25 years$2,194$1,672$1,258$936$690$323
26 years$2,087$1,572$1,167$856$622$280
27 years$1,988$1,479$1,084$784$560$243
28 years$1,897$1,394$1,007$718$506$211
29 years$1,812$1,315$938$658$457$183
30 years$1,732$1,242$873$604$413$159
31 years$1,658$1,174$814$555$373$138
32 years$1,589$1,111$760$510$337$120
33 years$1,524$1,052$709$469$305$105
34 years$1,463$997$663$431$276$91
35 years$1,406$946$620$397$250$79
36 years$1,352$898$580$366$227$69
37 years$1,301$852$542$337$206$60
38 years$1,252$810$508$311$186$52
39 years$1,207$770$476$286$169$45
40 years$1,163$733$446$264$153$40
41 years$1,122$698$418$244$139$34
42 years$1,083$664$392$225$126$30
43 years$1,046$633$368$208$115$26
44 years$1,011$603$346$192$104$23
45 years$977$575$325$177$94$20
46 years$945$549$305$164$86$17
47 years$915$524$286$151$78$15
48 years$886$500$269$140$71$13
49 years$858$478$253$129$64$11
50 years$831$456$238$119$58$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $851,000, adding $3,097 every year, while hoping to spend $40,586 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: 82/9/9 Blend
51$851,000$851,000$851,000$851,000
52$940,997$895,894$882,703$1,016,717
53$993,795$896,609$869,090$1,067,453
54$1,050,619$896,000$853,661$1,117,432
55$1,111,835$893,957$836,313$1,171,071
56$1,177,848$890,367$816,935$1,228,714
57$1,249,102$885,108$795,416$1,290,739
58$1,326,084$878,052$771,635$1,357,565
59$1,409,329$869,061$745,470$1,429,651
60$1,499,427$857,991$716,790$1,507,503
61$1,597,025$844,689$685,458$1,591,681
62$1,702,834$828,992$651,334$1,682,797
63$1,817,638$810,727$614,268$1,781,530
64$1,942,297$789,713$574,106$1,888,626
65$2,077,758$765,755$530,685$2,004,907
66$2,225,062$738,650$483,836$2,131,280
67$2,385,356$708,181$433,382$2,268,744
68$2,559,899$674,119$379,137$2,418,398
69$2,750,080$636,222$320,910$2,581,457
70$2,957,425$594,234$258,497$2,759,256
71$3,183,615$547,884$191,689$2,953,270
72$3,430,499$496,885$120,266$3,165,122
73$3,700,113$440,935$43,998$3,396,603
74$3,994,698$379,715$0$3,649,686
75$4,316,722$312,886$0$3,930,135
76$4,668,901$240,090$0$4,241,500
77$5,054,226$160,952$0$4,582,219
78$5,475,991$75,073$0$4,955,229
79$5,937,822$0$0$5,363,769
80$6,443,714$0$0$5,813,184
81$6,998,064$0$0$6,313,814
82$7,605,716$0$0$6,862,600
83$8,272,004$0$0$7,464,363
84$9,002,805$0$0$8,124,412
85$9,804,590$0$0$8,848,594
86$10,684,488$0$0$9,643,351
87$11,650,349$0$0$10,515,777
88$12,710,824$0$0$11,473,688
89$13,875,439$0$0$12,525,693
90$15,154,691$0$0$13,681,276
91$16,560,141$0$0$14,950,884
92$18,104,527$0$0$16,346,026
93$19,801,880$0$0$17,879,383
94$21,667,660$0$0$19,564,924
95$23,718,899$0$0$21,418,038
96$25,974,359$0$0$23,455,680
97$28,454,715$0$0$25,696,531
98$31,182,743$0$0$28,161,173
99$34,183,537$0$0$30,872,281
100$37,484,747$0$0$33,854,841