Can I retire at age 52 with 861,000?

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 $861,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$71,101$70,467$69,849$69,246$68,657$66,300
2 years$35,198$34,543$33,907$33,291$32,694$30,343
3 years$23,232$22,574$21,940$21,330$20,742$18,472
4 years$17,251$16,594$15,967$15,367$14,794$12,621
5 years$13,663$13,010$12,391$11,803$11,246$9,176
6 years$11,271$10,624$10,014$9,439$8,898$6,934
7 years$9,564$8,922$8,322$7,761$7,237$5,377
8 years$8,284$7,648$7,057$6,510$6,004$4,247
9 years$7,289$6,659$6,078$5,545$5,056$3,400
10 years$6,493$5,869$5,299$4,780$4,308$2,750
11 years$5,843$5,225$4,665$4,160$3,705$2,242
12 years$5,301$4,690$4,140$3,649$3,211$1,840
13 years$4,843$4,238$3,699$3,221$2,800$1,517
14 years$4,451$3,852$3,324$2,860$2,454$1,256
15 years$4,111$3,519$3,001$2,550$2,161$1,043
16 years$3,815$3,229$2,721$2,284$1,910$869
17 years$3,553$2,974$2,476$2,052$1,693$725
18 years$3,321$2,748$2,260$1,849$1,506$606
19 years$3,113$2,547$2,069$1,671$1,342$508
20 years$2,926$2,366$1,899$1,513$1,199$426
21 years$2,758$2,204$1,747$1,373$1,073$357
22 years$2,605$2,058$1,610$1,249$962$300
23 years$2,465$1,924$1,486$1,137$863$252
24 years$2,337$1,803$1,375$1,037$776$212
25 years$2,220$1,692$1,273$947$698$179
26 years$2,112$1,590$1,181$866$629$150
27 years$2,012$1,497$1,096$793$567$127
28 years$1,919$1,410$1,019$726$512$107
29 years$1,833$1,330$949$666$462$90
30 years$1,753$1,256$884$611$417$76
31 years$1,678$1,188$824$561$377$64
32 years$1,608$1,124$769$516$341$54
33 years$1,542$1,064$718$474$309$45
34 years$1,480$1,009$670$437$280$38
35 years$1,422$957$627$402$253$32
36 years$1,367$908$586$370$230$27
37 years$1,316$862$549$341$208$23
38 years$1,267$820$514$314$189$19
39 years$1,221$779$482$290$171$16
40 years$1,177$742$451$267$155$14
41 years$1,136$706$423$247$141$12
42 years$1,096$672$397$228$128$10
43 years$1,059$641$373$210$116$8
44 years$1,023$611$350$194$105$7
45 years$989$582$328$179$96$6
46 years$957$555$308$165$87$5
47 years$926$530$290$153$79$4
48 years$896$506$272$141$72$4
49 years$868$483$256$131$65$3
50 years$841$462$241$121$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $861,000, adding $6,640 every year, while hoping to spend $58,502 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: 72/7/21 Blend
51$861,000$861,000$861,000$861,000
52$955,671$910,038$896,693$1,019,131
53$990,904$892,384$864,486$1,044,597
54$1,027,770$871,905$829,240$1,064,859
55$1,066,373$848,399$790,791$1,085,587
56$1,106,828$821,656$748,967$1,106,820
57$1,149,258$791,450$703,590$1,128,599
58$1,193,795$757,544$654,474$1,150,974
59$1,240,586$719,687$601,422$1,173,998
60$1,289,788$677,614$544,232$1,197,733
61$1,341,572$631,043$482,689$1,222,248
62$1,396,125$579,676$416,572$1,247,622
63$1,453,650$523,201$345,648$1,273,942
64$1,514,370$461,285$269,674$1,301,308
65$1,578,524$393,577$188,398$1,329,831
66$1,646,378$319,707$101,553$1,359,635
67$1,718,219$239,283$8,865$1,390,861
68$1,794,360$151,891$0$1,423,664
69$1,875,146$57,094$0$1,478,397
70$1,960,951$0$0$1,538,511
71$2,052,187$0$0$1,605,817
72$2,149,301$0$0$1,682,164
73$2,252,787$0$0$1,763,544
74$2,363,183$0$0$1,850,383
75$2,481,078$0$0$1,943,149
76$2,607,120$0$0$2,042,354
77$2,742,016$0$0$2,148,560
78$2,886,544$0$0$2,262,381
79$3,041,557$0$0$2,384,495
80$3,207,989$0$0$2,515,642
81$3,386,867$0$0$2,656,636
82$3,579,319$0$0$2,808,369
83$3,786,581$0$0$2,971,823
84$4,010,012$0$0$3,148,076
85$4,251,104$0$0$3,338,309
86$4,511,498$0$0$3,543,823
87$4,792,997$0$0$3,766,048
88$5,097,579$0$0$4,006,554
89$5,427,424$0$0$4,267,066
90$5,784,924$0$0$4,549,484
91$6,172,712$0$0$4,855,895
92$6,593,684$0$0$5,188,594
93$7,051,021$0$0$5,550,107
94$7,548,228$0$0$5,943,210
95$8,089,157$0$0$6,370,961
96$8,678,048$0$0$6,836,720
97$9,319,565$0$0$7,344,189
98$10,018,842$0$0$7,897,438
99$10,781,529$0$0$8,500,949
100$11,613,844$0$0$9,159,654