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%19.1%
1 years$70,440$69,813$69,200$68,603$68,019$65,528
2 years$34,871$34,222$33,592$32,982$32,390$29,908
3 years$23,017$22,364$21,737$21,132$20,550$18,154
4 years$17,090$16,440$15,819$15,224$14,656$12,366
5 years$13,536$12,889$12,276$11,694$11,141$8,963
6 years$11,167$10,525$9,921$9,352$8,816$6,750
7 years$9,475$8,839$8,244$7,688$7,170$5,217
8 years$8,207$7,577$6,992$6,450$5,948$4,106
9 years$7,221$6,597$6,022$5,494$5,009$3,275
10 years$6,433$5,815$5,250$4,736$4,268$2,639
11 years$5,789$5,177$4,622$4,121$3,671$2,143
12 years$5,252$4,646$4,102$3,615$3,181$1,751
13 years$4,798$4,199$3,665$3,192$2,774$1,438
14 years$4,410$3,817$3,293$2,833$2,431$1,186
15 years$4,073$3,487$2,973$2,527$2,141$981
16 years$3,779$3,199$2,696$2,262$1,892$813
17 years$3,520$2,946$2,453$2,033$1,678$676
18 years$3,290$2,722$2,239$1,832$1,492$563
19 years$3,084$2,523$2,050$1,655$1,330$469
20 years$2,899$2,344$1,881$1,499$1,188$391
21 years$2,732$2,184$1,730$1,361$1,063$327
22 years$2,580$2,038$1,595$1,237$953$273
23 years$2,442$1,907$1,472$1,127$855$229
24 years$2,315$1,786$1,362$1,028$769$192
25 years$2,199$1,676$1,261$938$692$160
26 years$2,092$1,575$1,170$858$623$134
27 years$1,993$1,483$1,086$785$562$113
28 years$1,901$1,397$1,010$720$507$94
29 years$1,816$1,318$940$660$458$79
30 years$1,736$1,245$875$606$414$66
31 years$1,662$1,177$816$556$374$56
32 years$1,593$1,113$761$511$338$47
33 years$1,528$1,054$711$470$306$39
34 years$1,466$999$664$432$277$33
35 years$1,409$948$621$398$251$28
36 years$1,355$900$581$367$227$23
37 years$1,304$854$544$338$206$19
38 years$1,255$812$509$311$187$16
39 years$1,210$772$477$287$169$14
40 years$1,166$735$447$265$154$12
41 years$1,125$699$419$244$139$10
42 years$1,086$666$393$225$127$8
43 years$1,049$635$369$208$115$7
44 years$1,013$605$346$192$104$6
45 years$980$577$325$177$95$5
46 years$948$550$306$164$86$4
47 years$917$525$287$151$78$3
48 years$888$501$270$140$71$3
49 years$860$479$254$129$64$2
50 years$833$457$238$120$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $853,000, adding $5,966 every year, while hoping to spend $45,940 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: 84/11/5 Blend
51$853,000$853,000$853,000$853,000
52$946,160$900,951$887,729$1,025,105
53$993,788$896,218$868,589$1,072,762
54$1,044,735$889,713$847,267$1,118,213
55$1,099,291$881,301$823,642$1,166,670
56$1,157,772$870,839$797,589$1,218,404
57$1,220,529$858,174$768,972$1,273,713
58$1,287,944$843,146$737,654$1,332,927
59$1,360,438$825,583$703,488$1,396,407
60$1,438,471$805,305$666,323$1,464,553
61$1,522,550$782,120$626,001$1,537,802
62$1,613,233$755,827$582,354$1,616,638
63$1,711,129$726,209$535,209$1,701,594
64$1,816,911$693,040$484,386$1,793,255
65$1,931,318$656,080$429,694$1,892,269
66$2,055,159$615,076$370,937$1,999,346
67$2,189,329$569,758$307,906$2,115,272
68$2,334,807$519,842$240,387$2,240,909
69$2,492,671$465,029$168,155$2,377,211
70$2,664,109$405,001$90,973$2,525,228
71$2,850,425$339,422$8,598$2,686,115
72$3,053,055$267,940$0$2,861,147
73$3,273,577$190,180$0$3,055,962
74$3,513,729$105,746$0$3,268,641
75$3,775,424$14,222$0$3,500,447
76$4,060,765$0$0$3,753,277
77$4,372,069$0$0$4,039,489
78$4,711,884$0$0$4,353,809
79$5,083,018$0$0$4,697,111
80$5,488,558$0$0$5,072,256
81$5,931,907$0$0$5,482,390
82$6,416,808$0$0$5,930,981
83$6,947,383$0$0$6,421,843
84$7,528,174$0$0$6,959,179
85$8,164,178$0$0$7,547,616
86$8,860,901$0$0$8,192,249
87$9,624,404$0$0$8,898,691
88$10,461,365$0$0$9,673,121
89$11,379,138$0$0$10,522,345
90$12,385,820$0$0$11,453,862
91$13,490,334$0$0$12,475,927
92$14,702,504$0$0$13,597,637
93$16,033,155$0$0$14,829,011
94$17,494,209$0$0$16,181,083
95$19,098,798$0$0$17,666,011
96$20,861,392$0$0$19,297,188
97$22,797,927$0$0$21,089,365
98$24,925,962$0$0$23,058,797
99$27,264,840$0$0$25,223,387
100$29,835,871$0$0$27,602,863