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%11%
1 years$70,440$69,813$69,200$68,603$68,019$67,733
2 years$34,871$34,222$33,592$32,982$32,390$32,101
3 years$23,017$22,364$21,737$21,132$20,550$20,267
4 years$17,090$16,440$15,819$15,224$14,656$14,381
5 years$13,536$12,889$12,276$11,694$11,141$10,876
6 years$11,167$10,525$9,921$9,352$8,816$8,560
7 years$9,475$8,839$8,244$7,688$7,170$6,923
8 years$8,207$7,577$6,992$6,450$5,948$5,711
9 years$7,221$6,597$6,022$5,494$5,009$4,782
10 years$6,433$5,815$5,250$4,736$4,268$4,051
11 years$5,789$5,177$4,622$4,121$3,671$3,463
12 years$5,252$4,646$4,102$3,615$3,181$2,982
13 years$4,798$4,199$3,665$3,192$2,774$2,584
14 years$4,410$3,817$3,293$2,833$2,431$2,251
15 years$4,073$3,487$2,973$2,527$2,141$1,969
16 years$3,779$3,199$2,696$2,262$1,892$1,728
17 years$3,520$2,946$2,453$2,033$1,678$1,522
18 years$3,290$2,722$2,239$1,832$1,492$1,344
19 years$3,084$2,523$2,050$1,655$1,330$1,190
20 years$2,899$2,344$1,881$1,499$1,188$1,055
21 years$2,732$2,184$1,730$1,361$1,063$937
22 years$2,580$2,038$1,595$1,237$953$834
23 years$2,442$1,907$1,472$1,127$855$743
24 years$2,315$1,786$1,362$1,028$769$663
25 years$2,199$1,676$1,261$938$692$592
26 years$2,092$1,575$1,170$858$623$529
27 years$1,993$1,483$1,086$785$562$473
28 years$1,901$1,397$1,010$720$507$424
29 years$1,816$1,318$940$660$458$380
30 years$1,736$1,245$875$606$414$340
31 years$1,662$1,177$816$556$374$305
32 years$1,593$1,113$761$511$338$274
33 years$1,528$1,054$711$470$306$246
34 years$1,466$999$664$432$277$221
35 years$1,409$948$621$398$251$198
36 years$1,355$900$581$367$227$178
37 years$1,304$854$544$338$206$160
38 years$1,255$812$509$311$187$144
39 years$1,210$772$477$287$169$129
40 years$1,166$735$447$265$154$116
41 years$1,125$699$419$244$139$105
42 years$1,086$666$393$225$127$94
43 years$1,049$635$369$208$115$85
44 years$1,013$605$346$192$104$76
45 years$980$577$325$177$95$69
46 years$948$550$306$164$86$62
47 years$917$525$287$151$78$56
48 years$888$501$270$140$71$50
49 years$860$479$254$129$64$45
50 years$833$457$238$120$58$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $853,000, adding $3,930 every year, while hoping to spend $21,514 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: 57/33/10 Blend
51$853,000$853,000$853,000$853,000
52$944,060$898,851$885,629$995,372
53$1,017,463$920,004$892,407$1,051,595
54$1,097,633$941,472$898,691$1,110,090
55$1,185,236$963,249$904,442$1,173,307
56$1,281,007$985,325$909,618$1,241,702
57$1,385,755$1,007,692$914,176$1,315,774
58$1,500,372$1,030,338$918,070$1,396,074
59$1,625,838$1,053,253$921,253$1,483,211
60$1,763,232$1,076,421$923,674$1,577,852
61$1,913,745$1,099,829$925,280$1,680,733
62$2,078,686$1,123,459$926,016$1,792,668
63$2,259,498$1,147,295$925,824$1,914,548
64$2,457,769$1,171,315$924,641$2,047,359
65$2,675,250$1,195,498$922,405$2,192,187
66$2,913,867$1,219,819$919,048$2,350,226
67$3,175,745$1,244,253$914,499$2,522,793
68$3,463,221$1,268,772$908,685$2,711,342
69$3,778,871$1,293,343$901,527$2,917,470
70$4,125,534$1,317,935$892,946$3,142,940
71$4,506,334$1,342,509$882,855$3,389,695
72$4,924,715$1,367,028$871,167$3,659,874
73$5,384,472$1,391,448$857,787$3,955,838
74$5,889,784$1,415,724$842,618$4,280,184
75$6,445,253$1,439,806$825,557$4,635,778
76$7,055,955$1,463,642$806,499$5,025,776
77$7,727,476$1,487,175$785,331$5,453,658
78$8,465,975$1,510,343$761,935$5,923,259
79$9,278,235$1,533,080$736,191$6,438,803
80$10,171,730$1,555,316$707,968$7,004,950
81$11,154,696$1,576,976$677,135$7,626,831
82$12,236,206$1,597,979$643,550$8,310,104
83$13,426,258$1,618,239$607,068$9,061,004
84$14,735,867$1,637,663$567,535$9,886,402
85$16,177,170$1,656,153$524,792$10,793,871
86$17,763,541$1,673,604$478,672$11,791,760
87$19,509,714$1,689,903$429,000$12,889,266
88$21,431,928$1,704,932$375,595$14,096,529
89$23,548,073$1,718,561$318,265$15,424,723
90$25,877,862$1,730,656$256,813$16,886,164
91$28,443,018$1,741,073$191,030$18,494,424
92$31,267,477$1,749,656$120,700$20,264,465
93$34,377,614$1,756,243$45,598$22,212,772
94$37,802,491$1,760,660$0$24,357,518
95$41,574,134$1,762,722$0$26,722,415
96$45,727,833$1,762,232$0$29,331,281
97$50,302,472$1,758,982$0$32,203,600
98$55,340,902$1,752,750$0$35,366,209
99$60,890,341$1,743,301$0$38,848,688
100$67,002,820$1,730,387$0$42,683,633