Can I retire at age 52 with 860,000?

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 $860,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$71,018$70,385$69,768$69,166$68,578$66,276
2 years$35,157$34,503$33,868$33,253$32,656$30,360
3 years$23,205$22,548$21,915$21,305$20,718$18,500
4 years$17,231$16,575$15,948$15,349$14,776$12,653
5 years$13,647$12,995$12,377$11,790$11,233$9,209
6 years$11,258$10,611$10,002$9,428$8,888$6,966
7 years$9,553$8,911$8,312$7,752$7,228$5,408
8 years$8,274$7,639$7,049$6,503$5,997$4,277
9 years$7,280$6,651$6,071$5,539$5,050$3,428
10 years$6,486$5,862$5,293$4,774$4,303$2,776
11 years$5,836$5,219$4,660$4,155$3,701$2,267
12 years$5,295$4,684$4,136$3,645$3,207$1,862
13 years$4,838$4,233$3,695$3,218$2,796$1,538
14 years$4,446$3,848$3,320$2,856$2,451$1,275
15 years$4,107$3,515$2,997$2,547$2,158$1,060
16 years$3,810$3,225$2,718$2,281$1,908$884
17 years$3,549$2,970$2,473$2,049$1,691$739
18 years$3,317$2,745$2,257$1,847$1,504$619
19 years$3,109$2,544$2,067$1,669$1,340$519
20 years$2,923$2,364$1,897$1,511$1,197$436
21 years$2,754$2,202$1,745$1,372$1,071$366
22 years$2,601$2,055$1,608$1,247$960$308
23 years$2,462$1,922$1,485$1,136$862$260
24 years$2,334$1,801$1,373$1,036$775$219
25 years$2,217$1,690$1,272$946$697$184
26 years$2,109$1,588$1,179$865$628$156
27 years$2,009$1,495$1,095$792$566$131
28 years$1,917$1,409$1,018$725$511$111
29 years$1,831$1,329$947$665$461$93
30 years$1,751$1,255$882$611$417$79
31 years$1,676$1,186$823$561$377$67
32 years$1,606$1,123$768$515$341$56
33 years$1,540$1,063$717$474$309$48
34 years$1,479$1,008$670$436$279$40
35 years$1,421$956$626$401$253$34
36 years$1,366$907$586$370$229$29
37 years$1,314$861$548$341$208$24
38 years$1,266$819$513$314$188$20
39 years$1,219$779$481$289$171$17
40 years$1,176$741$451$267$155$15
41 years$1,134$705$423$246$141$12
42 years$1,095$671$397$227$128$10
43 years$1,057$640$372$210$116$9
44 years$1,022$610$349$194$105$7
45 years$988$582$328$179$95$6
46 years$955$555$308$165$87$5
47 years$925$529$289$153$79$5
48 years$895$505$272$141$71$4
49 years$867$483$256$130$65$3
50 years$840$461$240$121$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $860,000, adding $3,238 every year, while hoping to spend $31,130 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: 41/33/26 Blend
51$860,000$860,000$860,000$860,000
52$951,060$905,480$892,150$982,665
53$1,014,946$916,726$888,915$1,016,986
54$1,084,305$927,481$884,528$1,050,937
55$1,159,663$937,686$878,918$1,087,082
56$1,241,596$947,280$872,010$1,125,641
57$1,330,742$956,200$863,726$1,166,857
58$1,427,800$964,376$853,983$1,211,000
59$1,533,539$971,734$842,695$1,258,371
60$1,648,807$978,196$829,772$1,309,299
61$1,774,536$983,678$815,120$1,364,153
62$1,911,753$988,092$798,640$1,423,339
63$2,061,586$991,343$780,228$1,487,306
64$2,225,279$993,330$759,778$1,556,554
65$2,404,201$993,947$737,174$1,631,632
66$2,599,860$993,081$712,299$1,713,152
67$2,813,914$990,610$685,030$1,801,787
68$3,048,191$986,408$655,237$1,898,285
69$3,304,704$980,339$622,784$2,003,472
70$3,585,666$972,259$587,530$2,118,261
71$3,893,520$962,014$549,328$2,243,661
72$4,230,951$949,445$508,022$2,380,791
73$4,600,919$934,379$463,452$2,530,883
74$5,006,683$916,635$415,449$2,695,304
75$5,451,835$896,020$363,836$2,875,561
76$5,940,328$872,330$308,430$3,073,321
77$6,476,518$845,351$249,039$3,290,425
78$7,065,203$814,854$185,462$3,528,911
79$7,711,668$780,596$117,490$3,791,024
80$8,421,737$742,323$44,904$4,079,249
81$9,201,821$699,765$0$4,396,329
82$10,058,988$652,634$0$4,754,327
83$11,001,021$600,630$0$5,161,436
84$12,036,496$543,431$0$5,608,949
85$13,174,861$480,702$0$6,101,019
86$14,426,524$412,083$0$6,642,223
87$15,802,953$337,199$0$7,237,612
88$17,316,783$255,651$0$7,892,756
89$18,981,935$167,018$0$8,613,799
90$20,813,746$70,855$0$9,407,515
91$22,829,114$0$0$10,281,377
92$25,046,659$0$0$11,255,720
93$27,486,897$0$0$12,356,352
94$30,172,432$0$0$13,567,752
95$33,128,170$0$0$14,901,174
96$36,381,555$0$0$16,369,014
97$39,962,826$0$0$17,984,934
98$43,905,303$0$0$19,763,985
99$48,245,700$0$0$21,722,754
100$53,024,473$0$0$23,879,517