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%17.4%
1 years$70,935$70,304$69,687$69,085$68,498$66,438
2 years$35,117$34,463$33,829$33,214$32,618$30,560
3 years$23,178$22,522$21,889$21,281$20,694$18,703
4 years$17,211$16,556$15,930$15,331$14,759$12,850
5 years$13,631$12,980$12,362$11,776$11,220$9,397
6 years$11,245$10,599$9,991$9,417$8,878$7,144
7 years$9,542$8,901$8,302$7,743$7,220$5,574
8 years$8,265$7,630$7,041$6,495$5,990$4,432
9 years$7,272$6,643$6,064$5,532$5,044$3,572
10 years$6,478$5,856$5,287$4,769$4,298$2,909
11 years$5,829$5,213$4,655$4,150$3,696$2,389
12 years$5,289$4,679$4,131$3,640$3,203$1,974
13 years$4,832$4,228$3,691$3,214$2,793$1,640
14 years$4,441$3,843$3,316$2,853$2,449$1,368
15 years$4,102$3,511$2,994$2,544$2,156$1,145
16 years$3,806$3,221$2,714$2,278$1,905$962
17 years$3,545$2,967$2,470$2,047$1,689$809
18 years$3,313$2,741$2,255$1,845$1,502$682
19 years$3,106$2,541$2,064$1,667$1,339$576
20 years$2,919$2,361$1,894$1,510$1,196$487
21 years$2,751$2,199$1,742$1,370$1,070$412
22 years$2,598$2,053$1,606$1,246$959$349
23 years$2,459$1,920$1,483$1,135$861$296
24 years$2,332$1,799$1,371$1,035$774$251
25 years$2,215$1,688$1,270$945$696$213
26 years$2,107$1,587$1,178$864$627$181
27 years$2,007$1,493$1,094$791$566$154
28 years$1,915$1,407$1,017$725$510$131
29 years$1,829$1,327$946$665$461$111
30 years$1,749$1,254$881$610$416$95
31 years$1,674$1,185$822$560$376$81
32 years$1,604$1,121$767$515$341$69
33 years$1,538$1,062$716$473$308$58
34 years$1,477$1,006$669$436$279$50
35 years$1,419$955$625$401$253$42
36 years$1,364$906$585$369$229$36
37 years$1,313$860$548$340$208$31
38 years$1,264$818$513$314$188$26
39 years$1,218$778$480$289$171$22
40 years$1,174$740$450$267$155$19
41 years$1,133$704$422$246$140$16
42 years$1,094$671$396$227$127$14
43 years$1,056$639$372$210$116$12
44 years$1,021$609$349$194$105$10
45 years$987$581$328$179$95$8
46 years$954$554$308$165$87$7
47 years$923$529$289$153$79$6
48 years$894$505$272$141$71$5
49 years$866$482$255$130$65$4
50 years$839$461$240$120$59$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $859,000, adding $5,339 every year, while hoping to spend $53,949 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: 36/38/26 Blend
51$859,000$859,000$859,000$859,000
52$952,125$906,598$893,284$978,797
53$991,841$893,620$865,807$986,026
54$1,033,799$878,198$835,602$988,523
55$1,078,172$860,155$802,521$990,165
56$1,125,147$839,304$766,407$990,908
57$1,174,929$815,448$727,098$990,712
58$1,227,742$788,375$684,426$989,537
59$1,283,830$757,864$638,213$987,344
60$1,343,462$723,680$588,274$984,095
61$1,406,929$685,574$534,416$979,755
62$1,474,553$643,284$476,436$974,294
63$1,546,684$596,532$414,123$967,682
64$1,623,707$545,023$347,257$959,897
65$1,706,043$488,447$275,608$950,919
66$1,794,153$426,475$198,935$940,736
67$1,888,545$358,761$116,988$929,344
68$1,989,774$284,937$29,504$916,747
69$2,098,449$204,617$0$902,959
70$2,215,238$117,391$0$905,720
71$2,340,877$22,828$0$917,242
72$2,476,171$0$0$929,467
73$2,622,006$0$0$975,811
74$2,779,353$0$0$1,036,206
75$2,949,282$0$0$1,101,528
76$3,132,967$0$0$1,172,241
77$3,331,697$0$0$1,248,855
78$3,546,891$0$0$1,331,931
79$3,780,109$0$0$1,422,084
80$4,033,066$0$0$1,519,994
81$4,307,647$0$0$1,626,406
82$4,605,926$0$0$1,742,140
83$4,930,185$0$0$1,868,098
84$5,282,934$0$0$2,005,275
85$5,666,933$0$0$2,154,762
86$6,085,223$0$0$2,317,763
87$6,541,147$0$0$2,495,602
88$7,038,385$0$0$2,689,735
89$7,580,987$0$0$2,901,766
90$8,173,412$0$0$3,133,462
91$8,820,568$0$0$3,386,765
92$9,527,859$0$0$3,663,817
93$10,301,232$0$0$3,966,973
94$11,147,238$0$0$4,298,829
95$12,073,087$0$0$4,662,241
96$13,086,722$0$0$5,060,357
97$14,196,885$0$0$5,496,642
98$15,413,208$0$0$5,974,912
99$16,746,296$0$0$6,499,370
100$18,207,828$0$0$7,074,647