Can I retire at age 52 with 856,000?

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 $856,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$70,688$70,058$69,444$68,844$68,259$67,914
2 years$34,994$34,342$33,711$33,098$32,504$32,156
3 years$23,098$22,443$21,813$21,206$20,622$20,282
4 years$17,151$16,498$15,874$15,278$14,708$14,378
5 years$13,583$12,935$12,319$11,735$11,181$10,862
6 years$11,206$10,562$9,956$9,385$8,847$8,539
7 years$9,508$8,870$8,273$7,716$7,195$6,899
8 years$8,236$7,603$7,016$6,472$5,969$5,685
9 years$7,247$6,620$6,043$5,513$5,027$4,755
10 years$6,456$5,835$5,269$4,752$4,283$4,022
11 years$5,809$5,195$4,638$4,136$3,683$3,434
12 years$5,270$4,663$4,116$3,628$3,192$2,954
13 years$4,815$4,214$3,678$3,203$2,783$2,557
14 years$4,425$3,830$3,304$2,843$2,440$2,224
15 years$4,088$3,499$2,983$2,535$2,148$1,943
16 years$3,792$3,210$2,705$2,270$1,899$1,703
17 years$3,532$2,956$2,461$2,040$1,684$1,498
18 years$3,301$2,732$2,247$1,838$1,497$1,321
19 years$3,095$2,532$2,057$1,661$1,334$1,167
20 years$2,909$2,353$1,888$1,504$1,192$1,034
21 years$2,742$2,191$1,736$1,365$1,066$917
22 years$2,589$2,046$1,600$1,241$956$815
23 years$2,451$1,913$1,478$1,131$858$725
24 years$2,324$1,793$1,367$1,031$771$646
25 years$2,207$1,682$1,266$942$694$576
26 years$2,099$1,581$1,174$861$625$514
27 years$2,000$1,488$1,090$788$564$459
28 years$1,908$1,402$1,013$722$509$410
29 years$1,822$1,323$943$662$459$367
30 years$1,742$1,249$878$608$415$328
31 years$1,668$1,181$819$558$375$294
32 years$1,598$1,117$764$513$339$263
33 years$1,533$1,058$713$472$307$236
34 years$1,472$1,003$667$434$278$212
35 years$1,414$951$623$400$252$190
36 years$1,360$903$583$368$228$170
37 years$1,308$857$546$339$207$153
38 years$1,260$815$511$312$188$137
39 years$1,214$775$479$288$170$123
40 years$1,170$737$449$266$154$110
41 years$1,129$702$421$245$140$99
42 years$1,090$668$395$226$127$89
43 years$1,053$637$370$209$115$80
44 years$1,017$607$348$193$105$72
45 years$983$579$326$178$95$65
46 years$951$552$307$165$86$58
47 years$920$527$288$152$78$52
48 years$891$503$271$140$71$47
49 years$863$480$254$130$65$42
50 years$836$459$239$120$59$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $856,000, adding $3,137 every year, while hoping to spend $52,867 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: 63/7/30 Blend
51$856,000$856,000$856,000$856,000
52$946,548$901,180$887,912$998,369
53$986,846$889,088$861,407$1,021,865
54$1,029,482$874,631$832,242$1,041,500
55$1,074,639$857,638$800,272$1,061,833
56$1,122,518$837,928$765,347$1,082,943
57$1,173,335$815,306$727,306$1,104,919
58$1,227,330$789,571$685,985$1,127,860
59$1,284,763$760,505$641,211$1,151,878
60$1,345,920$727,881$592,803$1,177,098
61$1,411,113$691,457$540,572$1,203,662
62$1,480,686$650,977$484,320$1,231,726
63$1,555,012$606,172$423,841$1,261,469
64$1,634,503$556,754$358,920$1,293,087
65$1,719,611$502,423$289,332$1,326,802
66$1,810,828$442,859$214,842$1,362,861
67$1,908,698$377,725$135,204$1,401,540
68$2,013,816$306,664$50,164$1,443,147
69$2,126,834$229,299$0$1,488,024
70$2,248,469$145,233$0$1,549,547
71$2,379,510$54,046$0$1,633,130
72$2,520,819$0$0$1,723,265
73$2,673,349$0$0$1,824,020
74$2,838,141$0$0$1,937,422
75$3,016,344$0$0$2,060,102
76$3,209,218$0$0$2,192,935
77$3,418,150$0$0$2,336,882
78$3,644,662$0$0$2,493,000
79$3,890,431$0$0$2,662,452
80$4,157,300$0$0$2,846,515
81$4,447,297$0$0$3,046,596
82$4,762,650$0$0$3,264,242
83$5,105,814$0$0$3,501,156
84$5,479,488$0$0$3,759,209
85$5,886,642$0$0$4,040,463
86$6,330,546$0$0$4,347,186
87$6,814,797$0$0$4,681,875
88$7,343,356$0$0$5,047,277
89$7,920,581$0$0$5,446,417
90$8,551,271$0$0$5,882,626
91$9,240,711$0$0$6,359,569
92$9,994,714$0$0$6,881,284
93$10,819,688$0$0$7,452,214
94$11,722,681$0$0$8,077,253
95$12,711,461$0$0$8,761,791
96$13,794,579$0$0$9,511,763
97$14,981,450$0$0$10,333,705
98$16,282,447$0$0$11,234,814
99$17,708,991$0$0$12,223,020
100$19,273,663$0$0$13,307,053