Can I retire at age 52 with 857,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%18%
1 years$70,770$70,140$69,525$68,925$68,338$66,124
2 years$35,035$34,382$33,750$33,137$32,542$30,332
3 years$23,125$22,469$21,838$21,231$20,646$18,510
4 years$17,171$16,517$15,893$15,296$14,725$12,679
5 years$13,599$12,950$12,333$11,749$11,194$9,243
6 years$11,219$10,574$9,967$9,395$8,857$7,003
7 years$9,519$8,880$8,283$7,725$7,203$5,446
8 years$8,245$7,612$7,025$6,480$5,976$4,314
9 years$7,255$6,628$6,050$5,519$5,032$3,465
10 years$6,463$5,842$5,275$4,758$4,288$2,811
11 years$5,816$5,201$4,644$4,141$3,688$2,300
12 years$5,277$4,668$4,121$3,632$3,196$1,893
13 years$4,821$4,218$3,682$3,206$2,787$1,566
14 years$4,430$3,834$3,308$2,846$2,443$1,301
15 years$4,092$3,503$2,987$2,538$2,151$1,085
16 years$3,797$3,214$2,708$2,273$1,901$907
17 years$3,536$2,960$2,464$2,042$1,686$759
18 years$3,305$2,735$2,250$1,840$1,499$637
19 years$3,098$2,535$2,059$1,663$1,336$536
20 years$2,913$2,355$1,890$1,506$1,193$451
21 years$2,745$2,194$1,738$1,367$1,068$380
22 years$2,592$2,048$1,602$1,243$957$320
23 years$2,453$1,915$1,479$1,132$859$270
24 years$2,326$1,795$1,368$1,032$772$228
25 years$2,209$1,684$1,267$943$695$193
26 years$2,102$1,583$1,175$862$626$163
27 years$2,002$1,490$1,091$789$564$138
28 years$1,910$1,404$1,015$723$509$117
29 years$1,824$1,324$944$663$460$99
30 years$1,744$1,251$879$608$415$84
31 years$1,670$1,182$820$559$376$71
32 years$1,600$1,119$765$514$340$60
33 years$1,535$1,059$714$472$307$51
34 years$1,473$1,004$667$435$278$43
35 years$1,416$952$624$400$252$36
36 years$1,361$904$584$368$228$31
37 years$1,310$858$546$339$207$26
38 years$1,261$816$512$313$188$22
39 years$1,215$776$479$288$170$19
40 years$1,172$738$449$266$154$16
41 years$1,130$703$421$245$140$13
42 years$1,091$669$395$227$127$11
43 years$1,054$638$371$209$115$10
44 years$1,018$608$348$193$105$8
45 years$984$580$327$178$95$7
46 years$952$553$307$165$86$6
47 years$921$528$288$152$78$5
48 years$892$504$271$141$71$4
49 years$864$481$255$130$65$4
50 years$837$459$239$120$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $857,000, adding $4,700 every year, while hoping to spend $42,301 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: 28/43/29 Blend
51$857,000$857,000$857,000$857,000
52$949,262$903,841$890,558$967,226
53$1,001,079$903,121$875,383$981,300
54$1,056,763$900,949$858,283$992,461
55$1,116,665$897,207$839,147$1,003,608
56$1,181,168$891,774$817,862$1,014,771
57$1,250,695$884,518$794,308$1,025,984
58$1,325,708$875,302$768,360$1,037,291
59$1,406,717$863,978$739,887$1,048,744
60$1,494,282$850,392$708,752$1,060,404
61$1,589,016$834,379$674,813$1,072,345
62$1,691,596$815,765$637,920$1,084,651
63$1,802,765$794,363$597,917$1,097,422
64$1,923,341$769,980$554,640$1,110,772
65$2,054,220$742,408$507,919$1,124,835
66$2,196,393$711,428$457,577$1,139,763
67$2,350,945$676,809$403,426$1,155,732
68$2,519,073$638,304$345,272$1,172,941
69$2,702,093$595,655$282,913$1,191,620
70$2,901,452$548,587$216,136$1,212,028
71$3,118,743$496,812$144,720$1,234,459
72$3,355,720$440,021$68,433$1,259,247
73$3,614,314$377,892$0$1,286,769
74$3,896,648$310,082$0$1,321,468
75$4,205,060$236,231$0$1,382,666
76$4,542,126$155,956$0$1,449,787
77$4,910,679$68,854$0$1,523,523
78$5,313,840$0$0$1,604,645
79$5,755,045$0$0$1,706,075
80$6,238,077$0$0$1,852,924
81$6,767,104$0$0$2,013,895
82$7,346,712$0$0$2,190,403
83$7,981,956$0$0$2,384,004
84$8,678,399$0$0$2,596,413
85$9,442,172$0$0$2,829,519
86$10,280,025$0$0$3,085,402
87$11,199,393$0$0$3,366,355
88$12,208,468$0$0$3,674,901
89$13,316,270$0$0$4,013,822
90$14,532,737$0$0$4,386,181
91$15,868,819$0$0$4,795,354
92$17,336,573$0$0$5,245,059
93$18,949,286$0$0$5,739,391
94$20,721,593$0$0$6,282,865
95$22,669,620$0$0$6,880,452
96$24,811,130$0$0$7,537,630
97$27,165,694$0$0$8,260,435
98$29,754,874$0$0$9,055,515
99$32,602,426$0$0$9,930,198
100$35,734,524$0$0$10,892,555