Can I retire at age 52 with 853,000?

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 $853,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$70,440$69,813$69,200$68,603$68,019$65,763
2 years$34,871$34,222$33,592$32,982$32,390$30,139
3 years$23,017$22,364$21,737$21,132$20,550$18,374
4 years$17,090$16,440$15,819$15,224$14,656$12,573
5 years$13,536$12,889$12,276$11,694$11,141$9,156
6 years$11,167$10,525$9,921$9,352$8,816$6,930
7 years$9,475$8,839$8,244$7,688$7,170$5,383
8 years$8,207$7,577$6,992$6,450$5,948$4,259
9 years$7,221$6,597$6,022$5,494$5,009$3,416
10 years$6,433$5,815$5,250$4,736$4,268$2,769
11 years$5,789$5,177$4,622$4,121$3,671$2,262
12 years$5,252$4,646$4,102$3,615$3,181$1,859
13 years$4,798$4,199$3,665$3,192$2,774$1,536
14 years$4,410$3,817$3,293$2,833$2,431$1,275
15 years$4,073$3,487$2,973$2,527$2,141$1,061
16 years$3,779$3,199$2,696$2,262$1,892$885
17 years$3,520$2,946$2,453$2,033$1,678$741
18 years$3,290$2,722$2,239$1,832$1,492$621
19 years$3,084$2,523$2,050$1,655$1,330$521
20 years$2,899$2,344$1,881$1,499$1,188$438
21 years$2,732$2,184$1,730$1,361$1,063$368
22 years$2,580$2,038$1,595$1,237$953$310
23 years$2,442$1,907$1,472$1,127$855$261
24 years$2,315$1,786$1,362$1,028$769$220
25 years$2,199$1,676$1,261$938$692$186
26 years$2,092$1,575$1,170$858$623$157
27 years$1,993$1,483$1,086$785$562$132
28 years$1,901$1,397$1,010$720$507$112
29 years$1,816$1,318$940$660$458$95
30 years$1,736$1,245$875$606$414$80
31 years$1,662$1,177$816$556$374$68
32 years$1,593$1,113$761$511$338$57
33 years$1,528$1,054$711$470$306$48
34 years$1,466$999$664$432$277$41
35 years$1,409$948$621$398$251$34
36 years$1,355$900$581$367$227$29
37 years$1,304$854$544$338$206$25
38 years$1,255$812$509$311$187$21
39 years$1,210$772$477$287$169$18
40 years$1,166$735$447$265$154$15
41 years$1,125$699$419$244$139$13
42 years$1,086$666$393$225$127$11
43 years$1,049$635$369$208$115$9
44 years$1,013$605$346$192$104$8
45 years$980$577$325$177$95$6
46 years$948$550$306$164$86$5
47 years$917$525$287$151$78$5
48 years$888$501$270$140$71$4
49 years$860$479$254$129$64$3
50 years$833$457$238$120$58$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $853,000, adding $6,954 every year, while hoping to spend $23,976 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: 65/9/26 Blend
51$853,000$853,000$853,000$853,000
52$947,179$901,970$888,749$1,001,865
53$1,018,281$920,656$893,011$1,058,301
54$1,095,832$939,455$896,613$1,116,657
55$1,180,464$958,345$899,507$1,179,906
56$1,272,874$977,306$901,643$1,248,531
57$1,373,827$996,315$902,968$1,323,065
58$1,484,168$1,015,345$903,428$1,404,094
59$1,604,825$1,034,369$902,965$1,492,267
60$1,736,822$1,053,357$901,519$1,588,297
61$1,881,284$1,072,278$899,026$1,692,971
62$2,039,451$1,091,095$895,419$1,807,155
63$2,212,688$1,109,773$890,630$1,931,806
64$2,402,501$1,128,270$884,584$2,067,977
65$2,610,543$1,146,543$877,205$2,216,831
66$2,838,641$1,164,545$868,413$2,379,646
67$3,088,801$1,182,227$858,124$2,557,837
68$3,363,238$1,199,535$846,250$2,752,957
69$3,664,387$1,216,411$832,699$2,966,724
70$3,994,934$1,232,795$817,373$3,201,028
71$4,357,835$1,248,619$800,173$3,457,954
72$4,756,347$1,263,815$780,993$3,739,801
73$5,194,060$1,278,307$759,721$4,049,102
74$5,674,924$1,292,015$736,242$4,388,649
75$6,203,296$1,304,853$710,436$4,761,522
76$6,783,972$1,316,730$682,175$5,171,113
77$7,422,237$1,327,550$651,327$5,621,165
78$8,123,913$1,337,208$617,755$6,115,801
79$8,895,415$1,345,594$581,313$6,659,566
80$9,743,811$1,352,592$541,850$7,257,472
81$10,676,887$1,358,076$499,209$7,915,041
82$11,703,222$1,361,913$453,225$8,638,362
83$12,832,267$1,363,964$403,725$9,434,147
84$14,074,437$1,364,077$350,529$10,309,791
85$15,441,207$1,362,095$293,449$11,273,451
86$16,945,220$1,357,847$232,289$12,334,112
87$18,600,406$1,351,155$166,844$13,501,681
88$20,422,114$1,341,828$96,900$14,787,079
89$22,427,257$1,329,665$22,233$16,202,340
90$24,634,470$1,314,452$0$17,760,730
91$27,064,288$1,295,961$0$19,492,809
92$29,739,336$1,273,954$0$21,406,374
93$32,684,545$1,248,174$0$23,513,083
94$35,927,387$1,218,353$0$25,832,590
95$39,498,132$1,184,205$0$28,386,549
96$43,430,138$1,145,427$0$31,198,824
97$47,760,159$1,101,700$0$34,295,712
98$52,528,697$1,052,685$0$37,706,193
99$57,780,381$998,024$0$41,462,200
100$63,564,390$937,337$0$45,598,923