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%16.1%
1 years$70,688$70,058$69,444$68,844$68,259$66,554
2 years$34,994$34,342$33,711$33,098$32,504$30,798
3 years$23,098$22,443$21,813$21,206$20,622$18,967
4 years$17,151$16,498$15,874$15,278$14,708$13,117
5 years$13,583$12,935$12,319$11,735$11,181$9,659
6 years$11,206$10,562$9,956$9,385$8,847$7,395
7 years$9,508$8,870$8,273$7,716$7,195$5,813
8 years$8,236$7,603$7,016$6,472$5,969$4,657
9 years$7,247$6,620$6,043$5,513$5,027$3,783
10 years$6,456$5,835$5,269$4,752$4,283$3,106
11 years$5,809$5,195$4,638$4,136$3,683$2,572
12 years$5,270$4,663$4,116$3,628$3,192$2,144
13 years$4,815$4,214$3,678$3,203$2,783$1,797
14 years$4,425$3,830$3,304$2,843$2,440$1,513
15 years$4,088$3,499$2,983$2,535$2,148$1,278
16 years$3,792$3,210$2,705$2,270$1,899$1,083
17 years$3,532$2,956$2,461$2,040$1,684$920
18 years$3,301$2,732$2,247$1,838$1,497$783
19 years$3,095$2,532$2,057$1,661$1,334$667
20 years$2,909$2,353$1,888$1,504$1,192$570
21 years$2,742$2,191$1,736$1,365$1,066$487
22 years$2,589$2,046$1,600$1,241$956$417
23 years$2,451$1,913$1,478$1,131$858$357
24 years$2,324$1,793$1,367$1,031$771$306
25 years$2,207$1,682$1,266$942$694$263
26 years$2,099$1,581$1,174$861$625$226
27 years$2,000$1,488$1,090$788$564$194
28 years$1,908$1,402$1,013$722$509$166
29 years$1,822$1,323$943$662$459$143
30 years$1,742$1,249$878$608$415$123
31 years$1,668$1,181$819$558$375$106
32 years$1,598$1,117$764$513$339$91
33 years$1,533$1,058$713$472$307$78
34 years$1,472$1,003$667$434$278$67
35 years$1,414$951$623$400$252$58
36 years$1,360$903$583$368$228$50
37 years$1,308$857$546$339$207$43
38 years$1,260$815$511$312$188$37
39 years$1,214$775$479$288$170$32
40 years$1,170$737$449$266$154$27
41 years$1,129$702$421$245$140$24
42 years$1,090$668$395$226$127$20
43 years$1,053$637$370$209$115$17
44 years$1,017$607$348$193$105$15
45 years$983$579$326$178$95$13
46 years$951$552$307$165$86$11
47 years$920$527$288$152$78$10
48 years$891$503$271$140$71$8
49 years$863$480$254$130$65$7
50 years$836$459$239$120$59$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $856,000, adding $4,219 every year, while hoping to spend $49,003 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: 79/14/7 Blend
51$856,000$856,000$856,000$856,000
52$947,664$902,296$889,028$1,021,454
53$992,187$894,370$866,672$1,062,506
54$1,039,609$884,413$841,924$1,100,685
55$1,090,173$872,273$814,653$1,141,102
56$1,144,148$857,792$784,721$1,183,956
57$1,201,826$840,799$751,984$1,229,467
58$1,263,528$821,113$716,291$1,277,877
59$1,329,605$798,545$677,484$1,329,453
60$1,400,444$772,893$635,399$1,384,490
61$1,476,468$743,944$589,864$1,443,313
62$1,558,142$711,471$540,698$1,506,279
63$1,645,975$675,235$487,714$1,573,785
64$1,740,528$634,985$430,715$1,646,267
65$1,842,414$590,452$369,497$1,724,206
66$1,952,311$541,355$303,846$1,808,134
67$2,070,959$487,393$233,537$1,898,636
68$2,199,173$428,252$158,337$1,996,358
69$2,337,850$363,598$78,003$2,102,016
70$2,487,975$293,078$0$2,216,396
71$2,650,630$216,320$0$2,340,943
72$2,827,005$132,931$0$2,482,296
73$3,018,410$42,495$0$2,635,699
74$3,226,285$0$0$2,802,343
75$3,452,212$0$0$2,992,077
76$3,697,935$0$0$3,205,577
77$3,965,370$0$0$3,437,967
78$4,256,625$0$0$3,691,081
79$4,574,023$0$0$3,966,940
80$4,920,117$0$0$4,267,766
81$5,297,718$0$0$4,596,007
82$5,709,920$0$0$4,954,355
83$6,160,130$0$0$5,345,777
84$6,652,097$0$0$5,773,534
85$7,189,949$0$0$6,241,221
86$7,778,231$0$0$6,752,795
87$8,421,947$0$0$7,312,610
88$9,126,609$0$0$7,925,463
89$9,898,282$0$0$8,596,638
90$10,743,650$0$0$9,331,949
91$11,670,072$0$0$10,137,804
92$12,685,652$0$0$11,021,256
93$13,799,315$0$0$11,990,077
94$15,020,894$0$0$13,052,824
95$16,361,216$0$0$14,218,924
96$17,832,209$0$0$15,498,759
97$19,447,011$0$0$16,903,767
98$21,220,095$0$0$18,446,545
99$23,167,401$0$0$20,140,973
100$25,306,493$0$0$22,002,339