Can I retire at age 52 with 857,000?

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 $857,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.7%
1 years$70,770$70,140$69,525$68,925$68,338$66,471
2 years$35,035$34,382$33,750$33,137$32,542$30,674
3 years$23,125$22,469$21,838$21,231$20,646$18,836
4 years$17,171$16,517$15,893$15,296$14,725$12,987
5 years$13,599$12,950$12,333$11,749$11,194$9,533
6 years$11,219$10,574$9,967$9,395$8,857$7,275
7 years$9,519$8,880$8,283$7,725$7,203$5,699
8 years$8,245$7,612$7,025$6,480$5,976$4,549
9 years$7,255$6,628$6,050$5,519$5,032$3,682
10 years$6,463$5,842$5,275$4,758$4,288$3,012
11 years$5,816$5,201$4,644$4,141$3,688$2,485
12 years$5,277$4,668$4,121$3,632$3,196$2,063
13 years$4,821$4,218$3,682$3,206$2,787$1,722
14 years$4,430$3,834$3,308$2,846$2,443$1,444
15 years$4,092$3,503$2,987$2,538$2,151$1,214
16 years$3,797$3,214$2,708$2,273$1,901$1,025
17 years$3,536$2,960$2,464$2,042$1,686$867
18 years$3,305$2,735$2,250$1,840$1,499$734
19 years$3,098$2,535$2,059$1,663$1,336$623
20 years$2,913$2,355$1,890$1,506$1,193$530
21 years$2,745$2,194$1,738$1,367$1,068$451
22 years$2,592$2,048$1,602$1,243$957$384
23 years$2,453$1,915$1,479$1,132$859$328
24 years$2,326$1,795$1,368$1,032$772$280
25 years$2,209$1,684$1,267$943$695$239
26 years$2,102$1,583$1,175$862$626$204
27 years$2,002$1,490$1,091$789$564$174
28 years$1,910$1,404$1,015$723$509$149
29 years$1,824$1,324$944$663$460$127
30 years$1,744$1,251$879$608$415$109
31 years$1,670$1,182$820$559$376$93
32 years$1,600$1,119$765$514$340$80
33 years$1,535$1,059$714$472$307$68
34 years$1,473$1,004$667$435$278$59
35 years$1,416$952$624$400$252$50
36 years$1,361$904$584$368$228$43
37 years$1,310$858$546$339$207$37
38 years$1,261$816$512$313$188$31
39 years$1,215$776$479$288$170$27
40 years$1,172$738$449$266$154$23
41 years$1,130$703$421$245$140$20
42 years$1,091$669$395$227$127$17
43 years$1,054$638$371$209$115$15
44 years$1,018$608$348$193$105$12
45 years$984$580$327$178$95$11
46 years$952$553$307$165$86$9
47 years$921$528$288$152$78$8
48 years$892$504$271$141$71$7
49 years$864$481$255$130$65$6
50 years$837$459$239$120$59$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $857,000, adding $2,179 every year, while hoping to spend $59,233 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: 67/22/11 Blend
51$857,000$857,000$857,000$857,000
52$946,662$901,241$887,957$1,007,708
53$980,198$882,378$854,680$1,029,737
54$1,015,169$860,606$818,303$1,046,562
55$1,051,660$835,719$778,660$1,063,424
56$1,089,760$807,501$735,576$1,080,320
57$1,129,569$775,720$688,871$1,097,249
58$1,171,189$740,136$638,353$1,114,210
59$1,214,738$700,489$583,824$1,131,206
60$1,260,336$656,509$525,078$1,148,243
61$1,308,119$607,906$461,897$1,165,329
62$1,358,232$554,378$394,055$1,182,474
63$1,410,832$495,603$321,316$1,199,694
64$1,466,090$431,241$243,433$1,217,010
65$1,524,192$360,932$160,149$1,234,446
66$1,585,340$284,298$71,194$1,252,034
67$1,649,754$200,938$0$1,269,812
68$1,717,673$110,429$0$1,290,613
69$1,789,359$12,323$0$1,320,803
70$1,865,097$0$0$1,352,119
71$1,945,196$0$0$1,407,396
72$2,029,995$0$0$1,469,100
73$2,119,866$0$0$1,534,518
74$2,215,212$0$0$1,603,950
75$2,316,475$0$0$1,677,720
76$2,424,140$0$0$1,756,186
77$2,538,735$0$0$1,839,736
78$2,660,839$0$0$1,928,797
79$2,791,088$0$0$2,023,837
80$2,930,176$0$0$2,125,367
81$3,078,864$0$0$2,233,950
82$3,237,987$0$0$2,350,199
83$3,408,461$0$0$2,474,789
84$3,591,289$0$0$2,608,462
85$3,787,574$0$0$2,752,028
86$3,998,524$0$0$2,906,379
87$4,225,466$0$0$3,072,494
88$4,469,857$0$0$3,251,447
89$4,733,299$0$0$3,444,419
90$5,017,548$0$0$3,652,705
91$5,324,537$0$0$3,877,730
92$5,656,387$0$0$4,121,060
93$6,015,431$0$0$4,384,416
94$6,404,234$0$0$4,669,688
95$6,825,614$0$0$4,978,958
96$7,282,672$0$0$5,314,511
97$7,778,816$0$0$5,678,863
98$8,317,796$0$0$6,074,780
99$8,903,737$0$0$6,505,306
100$9,541,176$0$0$6,973,790