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%13.6%
1 years$70,935$70,304$69,687$69,085$68,498$67,474
2 years$35,117$34,463$33,829$33,214$32,618$31,589
3 years$23,178$22,522$21,889$21,281$20,694$19,692
4 years$17,211$16,556$15,930$15,331$14,759$13,791
5 years$13,631$12,980$12,362$11,776$11,220$10,289
6 years$11,245$10,599$9,991$9,417$8,878$7,985
7 years$9,542$8,901$8,302$7,743$7,220$6,366
8 years$8,265$7,630$7,041$6,495$5,990$5,174
9 years$7,272$6,643$6,064$5,532$5,044$4,267
10 years$6,478$5,856$5,287$4,769$4,298$3,558
11 years$5,829$5,213$4,655$4,150$3,696$2,993
12 years$5,289$4,679$4,131$3,640$3,203$2,536
13 years$4,832$4,228$3,691$3,214$2,793$2,161
14 years$4,441$3,843$3,316$2,853$2,449$1,850
15 years$4,102$3,511$2,994$2,544$2,156$1,590
16 years$3,806$3,221$2,714$2,278$1,905$1,371
17 years$3,545$2,967$2,470$2,047$1,689$1,186
18 years$3,313$2,741$2,255$1,845$1,502$1,028
19 years$3,106$2,541$2,064$1,667$1,339$893
20 years$2,919$2,361$1,894$1,510$1,196$777
21 years$2,751$2,199$1,742$1,370$1,070$677
22 years$2,598$2,053$1,606$1,246$959$591
23 years$2,459$1,920$1,483$1,135$861$516
24 years$2,332$1,799$1,371$1,035$774$451
25 years$2,215$1,688$1,270$945$696$395
26 years$2,107$1,587$1,178$864$627$346
27 years$2,007$1,493$1,094$791$566$303
28 years$1,915$1,407$1,017$725$510$266
29 years$1,829$1,327$946$665$461$233
30 years$1,749$1,254$881$610$416$205
31 years$1,674$1,185$822$560$376$180
32 years$1,604$1,121$767$515$341$158
33 years$1,538$1,062$716$473$308$139
34 years$1,477$1,006$669$436$279$122
35 years$1,419$955$625$401$253$107
36 years$1,364$906$585$369$229$94
37 years$1,313$860$548$340$208$83
38 years$1,264$818$513$314$188$73
39 years$1,218$778$480$289$171$64
40 years$1,174$740$450$267$155$56
41 years$1,133$704$422$246$140$49
42 years$1,094$671$396$227$127$44
43 years$1,056$639$372$210$116$38
44 years$1,021$609$349$194$105$34
45 years$987$581$328$179$95$30
46 years$954$554$308$165$87$26
47 years$923$529$289$153$79$23
48 years$894$505$272$141$71$20
49 years$866$482$255$130$65$18
50 years$839$461$240$120$59$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $859,000, adding $6,655 every year, while hoping to spend $59,805 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: 81/9/10 Blend
51$859,000$859,000$859,000$859,000
52$953,483$907,956$894,641$1,028,658
53$987,106$888,813$860,980$1,059,757
54$1,022,154$866,729$824,186$1,085,335
55$1,058,710$841,494$784,092$1,111,626
56$1,096,862$812,891$740,523$1,138,670
57$1,136,705$780,686$693,293$1,166,513
58$1,178,343$744,634$642,213$1,195,202
59$1,221,888$704,475$587,081$1,224,793
60$1,267,460$659,933$527,687$1,255,346
61$1,315,189$610,719$463,814$1,286,928
62$1,365,219$556,524$395,232$1,319,613
63$1,417,701$497,024$321,702$1,353,483
64$1,472,804$431,875$242,976$1,388,628
65$1,530,708$360,715$158,794$1,425,151
66$1,591,609$283,160$68,883$1,463,161
67$1,655,723$198,804$0$1,502,784
68$1,723,282$107,221$0$1,547,045
69$1,794,541$7,959$0$1,601,239
70$1,869,776$0$0$1,658,211
71$1,949,288$0$0$1,728,033
72$2,033,408$0$0$1,802,744
73$2,122,495$0$0$1,881,877
74$2,216,942$0$0$1,965,781
75$2,317,178$0$0$2,054,841
76$2,423,672$0$0$2,149,474
77$2,536,938$0$0$2,250,139
78$2,657,538$0$0$2,357,335
79$2,786,087$0$0$2,471,613
80$2,923,259$0$0$2,593,573
81$3,069,791$0$0$2,723,874
82$3,226,493$0$0$2,863,236
83$3,394,251$0$0$3,012,451
84$3,574,038$0$0$3,172,387
85$3,766,921$0$0$3,343,995
86$3,974,071$0$0$3,528,320
87$4,196,771$0$0$3,726,509
88$4,436,434$0$0$3,939,819
89$4,694,608$0$0$4,169,632
90$4,972,993$0$0$4,417,467
91$5,273,459$0$0$4,684,991
92$5,598,060$0$0$4,974,037
93$5,949,050$0$0$5,286,616
94$6,328,912$0$0$5,624,944
95$6,740,370$0$0$5,991,453
96$7,186,424$0$0$6,388,817
97$7,670,368$0$0$6,819,979
98$8,195,830$0$0$7,288,174
99$8,766,795$0$0$7,796,960
100$9,387,652$0$0$8,350,253