Can I retire at age 52 with 858,000?

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 $858,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$70,853$70,222$69,606$69,005$68,418$66,791
2 years$35,076$34,422$33,789$33,175$32,580$30,951
3 years$23,151$22,495$21,864$21,256$20,670$19,089
4 years$17,191$16,537$15,911$15,314$14,742$13,221
5 years$13,615$12,965$12,348$11,762$11,207$9,751
6 years$11,232$10,587$9,979$9,406$8,867$7,478
7 years$9,531$8,891$8,293$7,734$7,212$5,888
8 years$8,255$7,621$7,033$6,487$5,983$4,725
9 years$7,264$6,635$6,057$5,526$5,038$3,845
10 years$6,471$5,849$5,281$4,763$4,293$3,163
11 years$5,823$5,207$4,649$4,146$3,692$2,624
12 years$5,283$4,673$4,126$3,636$3,199$2,192
13 years$4,826$4,223$3,686$3,210$2,790$1,841
14 years$4,436$3,839$3,312$2,850$2,446$1,553
15 years$4,097$3,507$2,990$2,541$2,153$1,314
16 years$3,801$3,218$2,711$2,276$1,903$1,116
17 years$3,541$2,963$2,467$2,045$1,687$950
18 years$3,309$2,738$2,252$1,843$1,500$811
19 years$3,102$2,538$2,062$1,665$1,337$693
20 years$2,916$2,358$1,892$1,508$1,195$593
21 years$2,748$2,197$1,740$1,369$1,069$508
22 years$2,595$2,050$1,604$1,244$958$436
23 years$2,456$1,918$1,481$1,133$860$374
24 years$2,329$1,797$1,370$1,034$773$322
25 years$2,212$1,686$1,269$944$696$277
26 years$2,104$1,585$1,177$863$627$238
27 years$2,005$1,491$1,093$790$565$205
28 years$1,912$1,405$1,016$724$510$176
29 years$1,826$1,326$945$664$460$152
30 years$1,747$1,252$880$609$416$131
31 years$1,672$1,184$821$559$376$113
32 years$1,602$1,120$766$514$340$97
33 years$1,537$1,061$715$473$308$84
34 years$1,475$1,005$668$435$279$72
35 years$1,417$953$625$400$252$63
36 years$1,363$905$584$369$229$54
37 years$1,311$859$547$340$207$47
38 years$1,263$817$512$313$188$40
39 years$1,217$777$480$289$170$35
40 years$1,173$739$450$266$155$30
41 years$1,132$703$422$246$140$26
42 years$1,092$670$396$227$127$22
43 years$1,055$638$371$209$115$19
44 years$1,019$608$348$193$105$17
45 years$986$580$327$179$95$14
46 years$953$553$307$165$86$12
47 years$922$528$289$152$78$11
48 years$893$504$271$141$71$9
49 years$865$482$255$130$65$8
50 years$838$460$240$120$59$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $858,000, adding $4,147 every year, while hoping to spend $25,751 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: 57/21/22 Blend
51$858,000$858,000$858,000$858,000
52$949,794$904,320$891,021$998,083
53$1,019,274$921,232$893,471$1,048,410
54$1,094,978$938,111$895,140$1,100,126
55$1,177,513$954,926$895,975$1,155,932
56$1,267,549$971,647$895,920$1,216,227
57$1,365,821$988,240$894,916$1,281,455
58$1,473,140$1,004,669$892,901$1,352,101
59$1,590,398$1,020,895$889,810$1,428,703
60$1,718,577$1,036,877$885,577$1,511,854
61$1,858,757$1,052,569$880,129$1,602,207
62$2,012,130$1,067,925$873,393$1,700,481
63$2,180,005$1,082,892$865,290$1,807,472
64$2,363,827$1,097,415$855,739$1,924,055
65$2,565,185$1,111,436$844,653$2,051,196
66$2,785,830$1,124,891$831,945$2,189,961
67$3,027,688$1,137,715$817,519$2,341,524
68$3,292,884$1,149,834$801,277$2,507,182
69$3,583,755$1,161,173$783,117$2,688,363
70$3,902,877$1,171,650$762,931$2,886,643
71$4,253,088$1,181,179$740,606$3,103,758
72$4,637,512$1,189,665$716,025$3,341,625
73$5,059,592$1,197,012$689,065$3,602,356
74$5,523,118$1,203,114$659,598$3,888,282
75$6,032,269$1,207,859$627,487$4,201,970
76$6,591,646$1,211,130$592,593$4,546,253
77$7,206,318$1,212,800$554,769$4,924,254
78$7,881,870$1,212,734$513,861$5,339,417
79$8,624,454$1,210,791$469,709$5,795,539
80$9,440,849$1,206,820$422,145$6,296,806
81$10,338,522$1,200,661$370,993$6,847,835
82$11,325,701$1,192,143$316,071$7,453,713
83$12,411,450$1,181,086$257,187$8,120,052
84$13,605,758$1,167,299$194,142$8,853,039
85$14,919,627$1,150,579$126,729$9,659,493
86$16,365,183$1,130,711$54,728$10,546,934
87$17,955,784$1,107,468$0$11,523,650
88$19,706,149$1,080,609$0$12,603,972
89$21,632,496$1,049,878$0$13,806,830
90$23,752,694$1,015,006$0$15,130,530
91$26,086,433$975,705$0$16,587,375
92$28,655,409$931,675$0$18,190,927
93$31,483,528$882,594$0$19,956,131
94$34,597,130$828,124$0$21,899,458
95$38,025,242$767,906$0$24,039,060
96$41,799,846$701,563$0$26,394,944
97$45,956,185$628,695$0$28,989,158
98$50,533,093$548,877$0$31,846,002
99$55,573,360$461,664$0$34,992,255
100$61,124,140$366,582$0$38,457,431