Can I retire at age 52 with 853,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%12%
1 years$70,440$69,813$69,200$68,603$68,019$67,450
2 years$34,871$34,222$33,592$32,982$32,390$31,816
3 years$23,017$22,364$21,737$21,132$20,550$19,989
4 years$17,090$16,440$15,819$15,224$14,656$14,113
5 years$13,536$12,889$12,276$11,694$11,141$10,617
6 years$11,167$10,525$9,921$9,352$8,816$8,312
7 years$9,475$8,839$8,244$7,688$7,170$6,685
8 years$8,207$7,577$6,992$6,450$5,948$5,484
9 years$7,221$6,597$6,022$5,494$5,009$4,565
10 years$6,433$5,815$5,250$4,736$4,268$3,844
11 years$5,789$5,177$4,622$4,121$3,671$3,266
12 years$5,252$4,646$4,102$3,615$3,181$2,795
13 years$4,798$4,199$3,665$3,192$2,774$2,406
14 years$4,410$3,817$3,293$2,833$2,431$2,082
15 years$4,073$3,487$2,973$2,527$2,141$1,809
16 years$3,779$3,199$2,696$2,262$1,892$1,578
17 years$3,520$2,946$2,453$2,033$1,678$1,380
18 years$3,290$2,722$2,239$1,832$1,492$1,210
19 years$3,084$2,523$2,050$1,655$1,330$1,063
20 years$2,899$2,344$1,881$1,499$1,188$936
21 years$2,732$2,184$1,730$1,361$1,063$826
22 years$2,580$2,038$1,595$1,237$953$729
23 years$2,442$1,907$1,472$1,127$855$645
24 years$2,315$1,786$1,362$1,028$769$571
25 years$2,199$1,676$1,261$938$692$506
26 years$2,092$1,575$1,170$858$623$449
27 years$1,993$1,483$1,086$785$562$398
28 years$1,901$1,397$1,010$720$507$354
29 years$1,816$1,318$940$660$458$314
30 years$1,736$1,245$875$606$414$279
31 years$1,662$1,177$816$556$374$249
32 years$1,593$1,113$761$511$338$221
33 years$1,528$1,054$711$470$306$197
34 years$1,466$999$664$432$277$175
35 years$1,409$948$621$398$251$156
36 years$1,355$900$581$367$227$139
37 years$1,304$854$544$338$206$124
38 years$1,255$812$509$311$187$111
39 years$1,210$772$477$287$169$99
40 years$1,166$735$447$265$154$88
41 years$1,125$699$419$244$139$78
42 years$1,086$666$393$225$127$70
43 years$1,049$635$369$208$115$62
44 years$1,013$605$346$192$104$56
45 years$980$577$325$177$95$50
46 years$948$550$306$164$86$44
47 years$917$525$287$151$78$40
48 years$888$501$270$140$71$35
49 years$860$479$254$129$64$31
50 years$833$457$238$120$58$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $853,000, adding $4,490 every year, while hoping to spend $51,612 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: 34/47/19 Blend
51$853,000$853,000$853,000$853,000
52$944,637$899,428$886,207$971,105
53$986,076$888,586$860,980$980,147
54$1,030,011$875,482$833,178$984,800
55$1,076,643$859,951$802,661$988,737
56$1,126,191$841,820$769,281$991,925
57$1,178,895$820,901$732,884$994,333
58$1,235,016$796,999$693,309$995,931
59$1,294,841$769,906$650,389$996,690
60$1,358,686$739,401$603,947$996,585
61$1,426,892$705,253$553,800$995,596
62$1,499,840$667,215$499,757$993,703
63$1,577,940$625,025$441,616$990,895
64$1,661,649$578,410$379,169$987,165
65$1,751,463$527,078$312,196$982,513
66$1,847,927$470,720$240,470$976,946
67$1,951,643$409,012$163,753$970,484
68$2,063,267$341,610$81,795$963,154
69$2,183,522$268,151$0$954,996
70$2,313,202$188,251$0$947,216
71$2,453,179$101,506$0$956,506
72$2,604,410$7,486$0$966,416
73$2,767,948$0$0$977,115
74$2,944,951$0$0$1,037,551
75$3,136,691$0$0$1,107,317
76$3,344,565$0$0$1,183,063
77$3,570,113$0$0$1,265,364
78$3,815,025$0$0$1,354,851
79$4,081,162$0$0$1,452,218
80$4,370,570$0$0$1,558,231
81$4,685,502$0$0$1,673,731
82$5,028,435$0$0$1,799,643
83$5,402,095$0$0$1,936,987
84$5,809,482$0$0$2,086,884
85$6,253,898$0$0$2,250,569
86$6,738,978$0$0$2,429,400
87$7,268,722$0$0$2,624,875
88$7,847,535$0$0$2,838,639
89$8,480,264$0$0$3,072,508
90$9,172,250$0$0$3,328,477
91$9,929,368$0$0$3,608,746
92$10,758,090$0$0$3,915,737
93$11,665,545$0$0$4,252,116
94$12,659,578$0$0$4,620,821
95$13,748,834$0$0$5,025,085
96$14,942,830$0$0$5,468,473
97$16,252,050$0$0$5,954,906
98$17,688,039$0$0$6,488,709
99$19,263,515$0$0$7,074,641
100$20,992,486$0$0$7,717,946