Can I retire at age 52 with 859,000?

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 $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%18.8%
1 years$70,935$70,304$69,687$69,085$68,498$66,068
2 years$35,117$34,463$33,829$33,214$32,618$30,195
3 years$23,178$22,522$21,889$21,281$20,694$18,355
4 years$17,211$16,556$15,930$15,331$14,759$12,522
5 years$13,631$12,980$12,362$11,776$11,220$9,090
6 years$11,245$10,599$9,991$9,417$8,878$6,858
7 years$9,542$8,901$8,302$7,743$7,220$5,309
8 years$8,265$7,630$7,041$6,495$5,990$4,185
9 years$7,272$6,643$6,064$5,532$5,044$3,345
10 years$6,478$5,856$5,287$4,769$4,298$2,700
11 years$5,829$5,213$4,655$4,150$3,696$2,197
12 years$5,289$4,679$4,131$3,640$3,203$1,799
13 years$4,832$4,228$3,691$3,214$2,793$1,481
14 years$4,441$3,843$3,316$2,853$2,449$1,223
15 years$4,102$3,511$2,994$2,544$2,156$1,014
16 years$3,806$3,221$2,714$2,278$1,905$843
17 years$3,545$2,967$2,470$2,047$1,689$702
18 years$3,313$2,741$2,255$1,845$1,502$585
19 years$3,106$2,541$2,064$1,667$1,339$489
20 years$2,919$2,361$1,894$1,510$1,196$409
21 years$2,751$2,199$1,742$1,370$1,070$343
22 years$2,598$2,053$1,606$1,246$959$287
23 years$2,459$1,920$1,483$1,135$861$241
24 years$2,332$1,799$1,371$1,035$774$202
25 years$2,215$1,688$1,270$945$696$170
26 years$2,107$1,587$1,178$864$627$143
27 years$2,007$1,493$1,094$791$566$120
28 years$1,915$1,407$1,017$725$510$101
29 years$1,829$1,327$946$665$461$85
30 years$1,749$1,254$881$610$416$71
31 years$1,674$1,185$822$560$376$60
32 years$1,604$1,121$767$515$341$50
33 years$1,538$1,062$716$473$308$42
34 years$1,477$1,006$669$436$279$36
35 years$1,419$955$625$401$253$30
36 years$1,364$906$585$369$229$25
37 years$1,313$860$548$340$208$21
38 years$1,264$818$513$314$188$18
39 years$1,218$778$480$289$171$15
40 years$1,174$740$450$267$155$13
41 years$1,133$704$422$246$140$11
42 years$1,094$671$396$227$127$9
43 years$1,056$639$372$210$116$8
44 years$1,021$609$349$194$105$6
45 years$987$581$328$179$95$5
46 years$954$554$308$165$87$4
47 years$923$529$289$153$79$4
48 years$894$505$272$141$71$3
49 years$866$482$255$130$65$3
50 years$839$461$240$120$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $859,000, adding $3,061 every year, while hoping to spend $48,496 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: 49/46/5 Blend
51$859,000$859,000$859,000$859,000
52$949,775$904,248$890,934$995,001
53$995,053$896,957$869,181$1,018,870
54$1,043,324$887,683$845,074$1,039,335
55$1,094,842$876,279$818,482$1,060,400
56$1,149,885$862,585$789,271$1,082,134
57$1,208,758$846,438$757,297$1,104,613
58$1,271,797$827,658$722,412$1,127,924
59$1,339,368$806,061$684,460$1,152,169
60$1,411,873$781,447$643,279$1,177,461
61$1,489,754$753,608$598,698$1,203,928
62$1,573,495$722,322$550,542$1,231,716
63$1,663,630$687,354$498,623$1,260,990
64$1,760,742$648,456$442,749$1,291,936
65$1,865,474$605,366$382,717$1,324,763
66$1,978,529$557,807$318,315$1,359,709
67$2,100,684$505,484$249,323$1,397,038
68$2,232,790$448,089$175,512$1,437,048
69$2,375,782$385,293$96,639$1,480,076
70$2,530,690$316,750$12,454$1,526,496
71$2,698,644$242,095$0$1,576,730
72$2,880,889$160,941$0$1,635,378
73$3,078,794$72,880$0$1,699,815
74$3,293,862$0$0$1,769,983
75$3,527,749$0$0$1,857,952
76$3,782,278$0$0$1,993,913
77$4,059,451$0$0$2,142,056
78$4,361,475$0$0$2,303,568
79$4,690,775$0$0$2,479,760
80$5,050,024$0$0$2,672,073
81$5,442,161$0$0$2,882,092
82$5,870,423$0$0$3,111,563
83$6,338,372$0$0$3,362,408
84$6,849,930$0$0$3,636,743
85$7,409,416$0$0$3,936,899
86$8,021,585$0$0$4,265,441
87$8,691,672$0$0$4,625,193
88$9,425,442$0$0$5,019,268
89$10,229,245$0$0$5,451,092
90$11,110,070$0$0$5,924,436
91$12,075,620$0$0$6,443,458
92$13,134,374$0$0$7,012,734
93$14,295,672$0$0$7,637,306
94$15,569,803$0$0$8,322,726
95$16,968,098$0$0$9,075,111
96$18,503,041$0$0$9,901,198
97$20,188,379$0$0$10,808,410
98$22,039,260$0$0$11,804,922
99$24,072,368$0$0$12,899,741
100$26,306,084$0$0$14,102,789