Can I retire at age 52 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$70,357$69,731$69,119$68,522$67,940$65,765
2 years$34,830$34,182$33,553$32,943$32,352$30,181
3 years$22,990$22,338$21,711$21,107$20,526$18,426
4 years$17,070$16,421$15,800$15,207$14,639$12,628
5 years$13,520$12,874$12,262$11,680$11,128$9,211
6 years$11,153$10,513$9,909$9,341$8,805$6,983
7 years$9,464$8,829$8,235$7,679$7,161$5,433
8 years$8,197$7,568$6,984$6,442$5,941$4,307
9 years$7,213$6,589$6,015$5,487$5,003$3,461
10 years$6,425$5,808$5,244$4,730$4,263$2,810
11 years$5,782$5,170$4,617$4,117$3,666$2,300
12 years$5,246$4,641$4,097$3,611$3,177$1,894
13 years$4,793$4,194$3,661$3,188$2,770$1,569
14 years$4,405$3,812$3,289$2,830$2,429$1,304
15 years$4,068$3,482$2,970$2,524$2,138$1,088
16 years$3,775$3,195$2,692$2,260$1,890$910
17 years$3,516$2,943$2,450$2,030$1,676$763
18 years$3,286$2,719$2,236$1,830$1,490$641
19 years$3,080$2,520$2,047$1,653$1,328$539
20 years$2,896$2,342$1,879$1,497$1,186$454
21 years$2,729$2,181$1,728$1,359$1,062$383
22 years$2,577$2,036$1,593$1,236$951$323
23 years$2,439$1,904$1,471$1,125$854$273
24 years$2,313$1,784$1,360$1,026$768$231
25 years$2,197$1,674$1,260$937$691$195
26 years$2,090$1,574$1,168$857$622$165
27 years$1,991$1,481$1,085$784$561$140
28 years$1,899$1,396$1,009$719$506$118
29 years$1,814$1,317$939$659$457$100
30 years$1,734$1,243$874$605$413$85
31 years$1,660$1,175$815$556$373$72
32 years$1,591$1,112$760$511$338$61
33 years$1,526$1,053$710$469$306$52
34 years$1,465$998$663$432$277$44
35 years$1,407$947$620$398$251$37
36 years$1,353$899$580$366$227$31
37 years$1,302$853$543$337$206$27
38 years$1,254$811$509$311$187$23
39 years$1,208$771$476$287$169$19
40 years$1,165$734$447$265$154$16
41 years$1,124$699$419$244$139$14
42 years$1,085$665$393$225$126$12
43 years$1,048$634$369$208$115$10
44 years$1,012$604$346$192$104$8
45 years$979$576$325$177$95$7
46 years$947$550$305$164$86$6
47 years$916$525$287$151$78$5
48 years$887$501$269$140$71$4
49 years$859$478$253$129$64$4
50 years$832$457$238$119$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $852,000, adding $4,968 every year, while hoping to spend $57,723 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: 50/34/16 Blend
51$852,000$852,000$852,000$852,000
52$944,028$898,872$885,666$986,831
53$978,903$881,500$853,919$999,460
54$1,015,399$861,342$819,174$1,006,776
55$1,053,623$838,201$781,270$1,013,461
56$1,093,687$811,868$740,037$1,019,477
57$1,135,714$782,120$695,299$1,024,781
58$1,179,838$748,725$646,873$1,029,335
59$1,226,204$711,435$594,565$1,033,098
60$1,274,968$669,987$538,175$1,036,030
61$1,326,303$624,104$477,491$1,038,091
62$1,380,394$573,494$412,296$1,039,245
63$1,437,446$517,846$342,359$1,039,455
64$1,497,678$456,833$267,441$1,038,687
65$1,561,333$390,110$187,292$1,036,908
66$1,628,673$317,310$101,651$1,034,092
67$1,699,988$238,048$10,246$1,030,213
68$1,775,589$151,915$0$1,025,252
69$1,855,822$58,481$0$1,034,101
70$1,941,060$0$0$1,044,683
71$2,031,715$0$0$1,071,283
72$2,128,236$0$0$1,122,947
73$2,231,115$0$0$1,178,068
74$2,340,889$0$0$1,236,938
75$2,458,151$0$0$1,299,883
76$2,583,545$0$0$1,367,257
77$2,717,781$0$0$1,439,448
78$2,861,637$0$0$1,516,884
79$3,015,966$0$0$1,600,033
80$3,181,703$0$0$1,689,409
81$3,359,875$0$0$1,785,575
82$3,551,611$0$0$1,889,151
83$3,758,148$0$0$2,000,818
84$3,980,846$0$0$2,121,322
85$4,221,200$0$0$2,251,485
86$4,480,851$0$0$2,392,209
87$4,761,602$0$0$2,544,486
88$5,065,437$0$0$2,709,406
89$5,394,534$0$0$2,888,166
90$5,751,291$0$0$3,082,086
91$6,138,342$0$0$3,292,615
92$6,558,586$0$0$3,521,346
93$7,015,209$0$0$3,770,034
94$7,511,719$0$0$4,040,608
95$8,051,974$0$0$4,335,190
96$8,640,217$0$0$4,656,116
97$9,281,120$0$0$5,005,957
98$9,979,822$0$0$5,387,542
99$10,741,980$0$0$5,803,984
100$11,573,822$0$0$6,258,711