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%20%
1 years$70,770$70,140$69,525$68,925$68,338$65,601
2 years$35,035$34,382$33,750$33,137$32,542$29,819
3 years$23,125$22,469$21,838$21,231$20,646$18,022
4 years$17,171$16,517$15,893$15,296$14,725$12,221
5 years$13,599$12,950$12,333$11,749$11,194$8,815
6 years$11,219$10,574$9,967$9,395$8,857$6,606
7 years$9,519$8,880$8,283$7,725$7,203$5,079
8 years$8,245$7,612$7,025$6,480$5,976$3,976
9 years$7,255$6,628$6,050$5,519$5,032$3,154
10 years$6,463$5,842$5,275$4,758$4,288$2,527
11 years$5,816$5,201$4,644$4,141$3,688$2,040
12 years$5,277$4,668$4,121$3,632$3,196$1,657
13 years$4,821$4,218$3,682$3,206$2,787$1,353
14 years$4,430$3,834$3,308$2,846$2,443$1,108
15 years$4,092$3,503$2,987$2,538$2,151$911
16 years$3,797$3,214$2,708$2,273$1,901$750
17 years$3,536$2,960$2,464$2,042$1,686$619
18 years$3,305$2,735$2,250$1,840$1,499$512
19 years$3,098$2,535$2,059$1,663$1,336$424
20 years$2,913$2,355$1,890$1,506$1,193$351
21 years$2,745$2,194$1,738$1,367$1,068$292
22 years$2,592$2,048$1,602$1,243$957$242
23 years$2,453$1,915$1,479$1,132$859$201
24 years$2,326$1,795$1,368$1,032$772$167
25 years$2,209$1,684$1,267$943$695$139
26 years$2,102$1,583$1,175$862$626$116
27 years$2,002$1,490$1,091$789$564$96
28 years$1,910$1,404$1,015$723$509$80
29 years$1,824$1,324$944$663$460$67
30 years$1,744$1,251$879$608$415$56
31 years$1,670$1,182$820$559$376$46
32 years$1,600$1,119$765$514$340$38
33 years$1,535$1,059$714$472$307$32
34 years$1,473$1,004$667$435$278$27
35 years$1,416$952$624$400$252$22
36 years$1,361$904$584$368$228$19
37 years$1,310$858$546$339$207$15
38 years$1,261$816$512$313$188$13
39 years$1,215$776$479$288$170$11
40 years$1,172$738$449$266$154$9
41 years$1,130$703$421$245$140$7
42 years$1,091$669$395$227$127$6
43 years$1,054$638$371$209$115$5
44 years$1,018$608$348$193$105$4
45 years$984$580$327$178$95$4
46 years$952$553$307$165$86$3
47 years$921$528$288$152$78$2
48 years$892$504$271$141$71$2
49 years$864$481$255$130$65$2
50 years$837$459$239$120$59$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $857,000, adding $3,229 every year, while hoping to spend $52,987 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: 55/40/5 Blend
51$857,000$857,000$857,000$857,000
52$947,745$902,324$889,040$998,727
53$988,037$890,160$862,445$1,021,289
54$1,030,663$875,624$833,184$1,039,651
55$1,075,805$858,544$801,110$1,058,329
56$1,123,662$838,738$766,072$1,077,360
57$1,174,452$816,012$727,911$1,096,787
58$1,228,411$790,162$686,462$1,116,659
59$1,285,801$760,971$641,550$1,137,034
60$1,346,905$728,211$592,994$1,157,980
61$1,412,035$691,640$540,606$1,179,573
62$1,481,533$651,000$484,186$1,201,904
63$1,555,772$606,022$423,528$1,225,074
64$1,635,161$556,417$358,417$1,249,201
65$1,720,150$501,885$288,627$1,274,418
66$1,811,232$442,103$213,922$1,300,877
67$1,908,946$376,735$134,057$1,328,751
68$2,013,885$305,421$48,775$1,358,237
69$2,126,701$227,786$0$1,389,557
70$2,248,106$143,430$0$1,425,215
71$2,378,886$51,931$0$1,466,165
72$2,519,902$0$0$1,510,139
73$2,672,101$0$0$1,578,267
74$2,836,521$0$0$1,676,622
75$3,014,306$0$0$1,783,035
76$3,206,712$0$0$1,898,268
77$3,415,119$0$0$2,023,156
78$3,641,045$0$0$2,158,617
79$3,886,159$0$0$2,305,662
80$4,152,297$0$0$2,465,402
81$4,441,479$0$0$2,639,059
82$4,755,925$0$0$2,827,978
83$5,098,079$0$0$3,033,638
84$5,470,630$0$0$3,257,667
85$5,876,537$0$0$3,501,858
86$6,319,054$0$0$3,768,180
87$6,801,767$0$0$4,058,806
88$7,328,619$0$0$4,376,123
89$7,903,951$0$0$4,722,760
90$8,532,543$0$0$5,101,613
91$9,219,657$0$0$5,515,869
92$9,971,085$0$0$5,969,037
93$10,793,207$0$0$6,464,980
94$11,693,044$0$0$7,007,953
95$12,678,332$0$0$7,602,641
96$13,757,585$0$0$8,254,203
97$14,940,183$0$0$8,968,321
98$16,236,455$0$0$9,751,253
99$17,657,776$0$0$10,609,892
100$19,216,677$0$0$11,551,828