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%19.7%
1 years$70,688$70,058$69,444$68,844$68,259$65,602
2 years$34,994$34,342$33,711$33,098$32,504$29,860
3 years$23,098$22,443$21,813$21,206$20,622$18,073
4 years$17,151$16,498$15,874$15,278$14,708$12,274
5 years$13,583$12,935$12,319$11,735$11,181$8,868
6 years$11,206$10,562$9,956$9,385$8,847$6,657
7 years$9,508$8,870$8,273$7,716$7,195$5,127
8 years$8,236$7,603$7,016$6,472$5,969$4,020
9 years$7,247$6,620$6,043$5,513$5,027$3,195
10 years$6,456$5,835$5,269$4,752$4,283$2,565
11 years$5,809$5,195$4,638$4,136$3,683$2,075
12 years$5,270$4,663$4,116$3,628$3,192$1,689
13 years$4,815$4,214$3,678$3,203$2,783$1,381
14 years$4,425$3,830$3,304$2,843$2,440$1,134
15 years$4,088$3,499$2,983$2,535$2,148$934
16 years$3,792$3,210$2,705$2,270$1,899$771
17 years$3,532$2,956$2,461$2,040$1,684$638
18 years$3,301$2,732$2,247$1,838$1,497$529
19 years$3,095$2,532$2,057$1,661$1,334$439
20 years$2,909$2,353$1,888$1,504$1,192$364
21 years$2,742$2,191$1,736$1,365$1,066$303
22 years$2,589$2,046$1,600$1,241$956$252
23 years$2,451$1,913$1,478$1,131$858$210
24 years$2,324$1,793$1,367$1,031$771$175
25 years$2,207$1,682$1,266$942$694$146
26 years$2,099$1,581$1,174$861$625$122
27 years$2,000$1,488$1,090$788$564$101
28 years$1,908$1,402$1,013$722$509$85
29 years$1,822$1,323$943$662$459$71
30 years$1,742$1,249$878$608$415$59
31 years$1,668$1,181$819$558$375$49
32 years$1,598$1,117$764$513$339$41
33 years$1,533$1,058$713$472$307$34
34 years$1,472$1,003$667$434$278$29
35 years$1,414$951$623$400$252$24
36 years$1,360$903$583$368$228$20
37 years$1,308$857$546$339$207$17
38 years$1,260$815$511$312$188$14
39 years$1,214$775$479$288$170$12
40 years$1,170$737$449$266$154$10
41 years$1,129$702$421$245$140$8
42 years$1,090$668$395$226$127$7
43 years$1,053$637$370$209$115$6
44 years$1,017$607$348$193$105$5
45 years$983$579$326$178$95$4
46 years$951$552$307$165$86$3
47 years$920$527$288$152$78$3
48 years$891$503$271$140$71$2
49 years$863$480$254$130$65$2
50 years$836$459$239$120$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $856,000, adding $5,788 every year, while hoping to spend $42,267 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: 36/48/16 Blend
51$856,000$856,000$856,000$856,000
52$949,282$903,914$890,646$978,624
53$1,001,137$903,234$875,511$999,692
54$1,056,865$901,104$858,452$1,018,000
55$1,116,816$897,409$839,361$1,036,862
56$1,181,374$892,025$818,123$1,056,350
57$1,250,962$884,823$794,618$1,076,546
58$1,326,045$875,664$768,723$1,097,544
59$1,407,132$864,402$740,305$1,119,452
60$1,494,784$850,882$709,230$1,142,390
61$1,589,616$834,939$675,353$1,166,498
62$1,692,305$816,399$638,526$1,191,931
63$1,803,596$795,079$598,592$1,218,867
64$1,924,307$770,781$555,389$1,247,504
65$2,055,338$743,301$508,746$1,278,067
66$2,197,678$712,419$458,485$1,310,810
67$2,352,418$677,904$404,420$1,346,018
68$2,520,754$639,510$346,358$1,384,011
69$2,704,004$596,980$284,094$1,425,147
70$2,903,619$550,038$217,418$1,469,830
71$3,121,195$498,397$146,108$1,518,509
72$3,358,488$441,749$69,934$1,571,691
73$3,617,430$379,772$0$1,629,939
74$3,900,152$312,124$0$1,695,824
75$4,208,993$238,444$0$1,780,977
76$4,546,534$158,351$0$1,874,278
77$4,915,612$71,443$0$1,976,651
78$5,319,355$0$0$2,089,120
79$5,761,204$0$0$2,224,819
80$6,244,948$0$0$2,414,816
81$6,774,762$0$0$2,623,029
82$7,355,240$0$0$2,851,280
83$7,991,445$0$0$3,101,574
84$8,688,951$0$0$3,376,122
85$9,453,898$0$0$3,677,357
86$10,293,047$0$0$4,007,958
87$11,213,848$0$0$4,370,880
88$12,224,504$0$0$4,769,374
89$13,334,052$0$0$5,207,024
90$14,552,447$0$0$5,687,776
91$15,890,656$0$0$6,215,978
92$17,360,759$0$0$6,796,420
93$18,976,065$0$0$7,434,379
94$20,751,233$0$0$8,135,669
95$22,702,416$0$0$8,906,694
96$24,847,408$0$0$9,754,511
97$27,205,814$0$0$10,686,895
98$29,799,232$0$0$11,712,411
99$32,651,459$0$0$12,840,496
100$35,788,714$0$0$14,081,549