Can I retire at age 52 with 854,000?

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 $854,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.4%
1 years$70,523$69,894$69,281$68,683$68,099$66,861
2 years$34,912$34,262$33,632$33,021$32,428$31,185
3 years$23,044$22,391$21,762$21,157$20,574$19,365
4 years$17,110$16,459$15,837$15,242$14,673$13,507
5 years$13,551$12,904$12,290$11,708$11,154$10,035
6 years$11,180$10,537$9,932$9,363$8,826$7,755
7 years$9,486$8,849$8,254$7,697$7,178$6,155
8 years$8,217$7,585$7,000$6,457$5,955$4,979
9 years$7,230$6,605$6,029$5,500$5,015$4,086
10 years$6,441$5,822$5,256$4,741$4,273$3,391
11 years$5,795$5,183$4,628$4,126$3,675$2,838
12 years$5,258$4,652$4,107$3,619$3,185$2,392
13 years$4,804$4,204$3,669$3,195$2,777$2,028
14 years$4,415$3,821$3,297$2,836$2,434$1,727
15 years$4,078$3,491$2,977$2,530$2,143$1,476
16 years$3,784$3,203$2,699$2,265$1,894$1,266
17 years$3,524$2,949$2,456$2,035$1,680$1,088
18 years$3,294$2,725$2,242$1,834$1,493$938
19 years$3,088$2,526$2,052$1,657$1,331$810
20 years$2,902$2,347$1,883$1,501$1,189$701
21 years$2,735$2,186$1,732$1,362$1,064$607
22 years$2,583$2,041$1,597$1,239$954$526
23 years$2,445$1,909$1,474$1,128$856$457
24 years$2,318$1,788$1,363$1,029$770$397
25 years$2,202$1,678$1,263$940$692$345
26 years$2,094$1,577$1,171$859$624$300
27 years$1,995$1,484$1,088$786$562$262
28 years$1,903$1,399$1,011$720$507$228
29 years$1,818$1,320$941$661$458$199
30 years$1,738$1,246$876$606$414$173
31 years$1,664$1,178$817$557$374$151
32 years$1,595$1,115$762$512$339$132
33 years$1,529$1,056$712$471$306$115
34 years$1,468$1,001$665$433$277$100
35 years$1,411$949$622$399$251$88
36 years$1,356$901$582$367$228$76
37 years$1,305$855$544$338$206$67
38 years$1,257$813$510$312$187$58
39 years$1,211$773$478$287$170$51
40 years$1,168$736$448$265$154$45
41 years$1,126$700$420$245$140$39
42 years$1,087$667$394$226$127$34
43 years$1,050$635$369$208$115$30
44 years$1,015$606$347$192$104$26
45 years$981$577$326$178$95$23
46 years$949$551$306$164$86$20
47 years$918$526$287$152$78$17
48 years$889$502$270$140$71$15
49 years$861$479$254$130$64$13
50 years$834$458$239$120$59$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $854,000, adding $4,660 every year, while hoping to spend $34,202 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: 58/13/29 Blend
51$854,000$854,000$854,000$854,000
52$945,915$900,653$887,416$993,023
53$1,006,007$908,394$880,754$1,033,591
54$1,071,083$915,368$872,722$1,073,815
55$1,141,614$921,502$863,239$1,116,978
56$1,218,120$926,717$852,218$1,163,378
57$1,301,171$930,929$839,570$1,213,339
58$1,391,396$934,049$825,201$1,267,223
59$1,489,485$935,984$809,012$1,325,430
60$1,596,198$936,633$790,900$1,388,401
61$1,712,372$935,890$770,756$1,456,623
62$1,838,926$933,641$748,469$1,530,636
63$1,976,874$929,767$723,920$1,611,034
64$2,127,329$924,139$696,985$1,698,477
65$2,291,518$916,624$667,536$1,793,690
66$2,470,791$907,077$635,437$1,897,477
67$2,666,635$895,346$600,547$2,010,724
68$2,880,685$881,272$562,718$2,134,413
69$3,114,742$864,682$521,797$2,269,624
70$3,370,791$845,396$477,623$2,417,552
71$3,651,015$823,224$430,026$2,579,517
72$3,957,819$797,962$378,832$2,756,975
73$4,293,849$769,395$323,856$2,951,535
74$4,662,024$737,297$264,907$3,164,973
75$5,065,554$701,428$201,785$3,399,248
76$5,507,975$661,533$134,280$3,656,525
77$5,993,185$617,345$62,174$3,939,190
78$6,525,473$568,577$0$4,249,880
79$7,109,565$514,932$0$4,596,075
80$7,750,667$456,090$0$4,997,241
81$8,454,513$391,716$0$5,437,738
82$9,227,420$321,457$0$5,921,555
83$10,076,345$244,937$0$6,453,087
84$11,008,954$161,761$0$7,037,178
85$12,033,692$71,511$0$7,679,169
86$13,159,860$0$0$8,384,944
87$14,397,707$0$0$9,164,746
88$15,758,524$0$0$10,033,338
89$17,254,751$0$0$10,988,441
90$18,900,091$0$0$12,038,814
91$20,709,645$0$0$13,194,105
92$22,700,048$0$0$14,464,948
93$24,889,631$0$0$15,863,054
94$27,298,587$0$0$17,401,333
95$29,949,168$0$0$19,094,003
96$32,865,892$0$0$20,956,734
97$36,075,771$0$0$23,006,791
98$39,608,572$0$0$25,263,197
99$43,497,089$0$0$27,746,912
100$47,777,462$0$0$30,481,032