Can I retire at age 52 with 859,000?

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 $859,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.3%
1 years$70,935$70,304$69,687$69,085$68,498$67,005
2 years$35,117$34,463$33,829$33,214$32,618$31,122
3 years$23,178$22,522$21,889$21,281$20,694$19,241
4 years$17,211$16,556$15,930$15,331$14,759$13,360
5 years$13,631$12,980$12,362$11,776$11,220$9,879
6 years$11,245$10,599$9,991$9,417$8,878$7,597
7 years$9,542$8,901$8,302$7,743$7,220$5,999
8 years$8,265$7,630$7,041$6,495$5,990$4,828
9 years$7,272$6,643$6,064$5,532$5,044$3,941
10 years$6,478$5,856$5,287$4,769$4,298$3,252
11 years$5,829$5,213$4,655$4,150$3,696$2,707
12 years$5,289$4,679$4,131$3,640$3,203$2,268
13 years$4,832$4,228$3,691$3,214$2,793$1,911
14 years$4,441$3,843$3,316$2,853$2,449$1,617
15 years$4,102$3,511$2,994$2,544$2,156$1,374
16 years$3,806$3,221$2,714$2,278$1,905$1,171
17 years$3,545$2,967$2,470$2,047$1,689$1,000
18 years$3,313$2,741$2,255$1,845$1,502$856
19 years$3,106$2,541$2,064$1,667$1,339$735
20 years$2,919$2,361$1,894$1,510$1,196$631
21 years$2,751$2,199$1,742$1,370$1,070$543
22 years$2,598$2,053$1,606$1,246$959$468
23 years$2,459$1,920$1,483$1,135$861$403
24 years$2,332$1,799$1,371$1,035$774$348
25 years$2,215$1,688$1,270$945$696$300
26 years$2,107$1,587$1,178$864$627$259
27 years$2,007$1,493$1,094$791$566$224
28 years$1,915$1,407$1,017$725$510$194
29 years$1,829$1,327$946$665$461$168
30 years$1,749$1,254$881$610$416$145
31 years$1,674$1,185$822$560$376$126
32 years$1,604$1,121$767$515$341$109
33 years$1,538$1,062$716$473$308$94
34 years$1,477$1,006$669$436$279$82
35 years$1,419$955$625$401$253$71
36 years$1,364$906$585$369$229$61
37 years$1,313$860$548$340$208$53
38 years$1,264$818$513$314$188$46
39 years$1,218$778$480$289$171$40
40 years$1,174$740$450$267$155$35
41 years$1,133$704$422$246$140$30
42 years$1,094$671$396$227$127$26
43 years$1,056$639$372$210$116$23
44 years$1,021$609$349$194$105$20
45 years$987$581$328$179$95$17
46 years$954$554$308$165$87$15
47 years$923$529$289$153$79$13
48 years$894$505$272$141$71$11
49 years$866$482$255$130$65$10
50 years$839$461$240$120$59$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $859,000, adding $6,092 every year, while hoping to spend $58,588 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: 26/49/25 Blend
51$859,000$859,000$859,000$859,000
52$952,902$907,375$894,060$970,058
53$987,761$889,499$861,674$966,532
54$1,024,212$868,784$826,240$957,288
55$1,062,355$845,028$787,592$946,140
56$1,102,299$818,019$745,561$932,965
57$1,144,163$787,531$699,967$917,635
58$1,188,074$753,326$650,622$900,017
59$1,234,171$715,153$597,331$879,969
60$1,282,605$672,743$539,890$857,345
61$1,333,539$625,816$478,085$831,993
62$1,387,152$574,073$411,692$803,751
63$1,443,637$517,199$340,480$772,455
64$1,503,207$454,860$264,204$737,930
65$1,566,090$386,704$182,612$699,996
66$1,632,539$312,360$95,437$658,465
67$1,702,827$231,434$2,402$613,143
68$1,777,252$143,512$0$563,827
69$1,856,143$48,155$0$536,150
70$1,939,855$0$0$506,418
71$2,028,778$0$0$503,558
72$2,123,340$0$0$528,204
73$2,224,008$0$0$554,521
74$2,331,293$0$0$582,655
75$2,445,754$0$0$612,764
76$2,568,006$0$0$645,019
77$2,698,720$0$0$679,613
78$2,838,633$0$0$716,751
79$2,988,554$0$0$756,665
80$3,149,369$0$0$799,603
81$3,322,050$0$0$845,843
82$3,507,665$0$0$895,687
83$3,707,386$0$0$949,467
84$3,922,500$0$0$1,007,549
85$4,154,419$0$0$1,070,334
86$4,404,697$0$0$1,138,264
87$4,675,039$0$0$1,211,824
88$4,967,319$0$0$1,291,546
89$5,283,598$0$0$1,378,018
90$5,626,139$0$0$1,471,885
91$5,997,434$0$0$1,573,854
92$6,400,220$0$0$1,684,708
93$6,837,508$0$0$1,805,304
94$7,312,611$0$0$1,936,586
95$7,829,170$0$0$2,079,594
96$8,391,195$0$0$2,235,471
97$9,003,095$0$0$2,405,476
98$9,669,722$0$0$2,590,994
99$10,396,418$0$0$2,793,551
100$11,189,058$0$0$3,014,823