Can I retire at age 52 with 862,000?

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 $862,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$71,183$70,549$69,930$69,327$68,737$67,404
2 years$35,239$34,583$33,947$33,330$32,732$31,395
3 years$23,259$22,600$21,966$21,355$20,766$19,466
4 years$17,271$16,614$15,986$15,385$14,811$13,558
5 years$13,678$13,025$12,405$11,817$11,259$10,057
6 years$11,284$10,636$10,025$9,450$8,909$7,759
7 years$9,575$8,932$8,331$7,770$7,245$6,147
8 years$8,294$7,657$7,065$6,518$6,011$4,965
9 years$7,297$6,666$6,086$5,552$5,062$4,067
10 years$6,501$5,876$5,305$4,786$4,313$3,369
11 years$5,850$5,231$4,671$4,165$3,709$2,814
12 years$5,307$4,695$4,145$3,653$3,214$2,368
13 years$4,849$4,243$3,704$3,225$2,803$2,003
14 years$4,456$3,857$3,328$2,863$2,457$1,702
15 years$4,116$3,523$3,004$2,553$2,163$1,452
16 years$3,819$3,233$2,724$2,286$1,912$1,243
17 years$3,557$2,977$2,479$2,054$1,695$1,066
18 years$3,324$2,751$2,263$1,851$1,507$917
19 years$3,117$2,550$2,071$1,673$1,344$790
20 years$2,930$2,369$1,901$1,515$1,200$682
21 years$2,761$2,207$1,749$1,375$1,074$589
22 years$2,608$2,060$1,612$1,250$963$510
23 years$2,468$1,927$1,488$1,138$864$442
24 years$2,340$1,805$1,376$1,038$777$383
25 years$2,222$1,694$1,275$948$699$332
26 years$2,114$1,592$1,182$867$630$288
27 years$2,014$1,498$1,098$794$568$250
28 years$1,921$1,412$1,020$727$512$218
29 years$1,835$1,332$950$667$462$189
30 years$1,755$1,258$885$612$418$165
31 years$1,680$1,189$825$562$378$143
32 years$1,609$1,125$769$517$342$125
33 years$1,544$1,066$718$475$309$108
34 years$1,482$1,010$671$437$280$94
35 years$1,424$958$628$402$254$82
36 years$1,369$909$587$371$230$72
37 years$1,317$863$549$341$208$62
38 years$1,269$821$515$315$189$54
39 years$1,222$780$482$290$171$47
40 years$1,178$742$452$268$155$41
41 years$1,137$707$424$247$141$36
42 years$1,097$673$397$228$128$31
43 years$1,060$641$373$210$116$27
44 years$1,024$611$350$194$105$24
45 years$990$583$329$179$96$21
46 years$958$556$309$166$87$18
47 years$927$531$290$153$79$16
48 years$897$507$273$141$72$14
49 years$869$484$256$131$65$12
50 years$842$462$241$121$59$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $862,000, adding $3,780 every year, while hoping to spend $45,660 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: 57/36/7 Blend
51$862,000$862,000$862,000$862,000
52$953,823$908,137$894,776$1,006,511
53$1,002,531$904,054$876,169$1,038,319
54$1,054,677$898,240$855,409$1,067,496
55$1,110,563$890,563$832,374$1,098,158
56$1,170,522$880,882$806,940$1,130,451
57$1,234,917$869,047$778,974$1,164,539
58$1,304,147$854,899$748,338$1,200,602
59$1,378,652$838,271$714,889$1,238,841
60$1,458,913$818,985$678,477$1,279,483
61$1,545,460$796,852$638,943$1,322,777
62$1,638,872$771,674$596,124$1,369,000
63$1,739,790$743,239$549,847$1,418,463
64$1,848,915$711,324$499,933$1,471,508
65$1,967,018$675,692$446,194$1,528,518
66$2,094,947$636,095$388,435$1,589,916
67$2,233,635$592,266$326,451$1,656,175
68$2,384,106$543,928$260,027$1,727,817
69$2,547,489$490,784$188,942$1,805,422
70$2,725,023$432,523$112,962$1,889,637
71$2,918,073$368,814$31,844$1,981,174
72$3,128,139$299,309$0$2,080,828
73$3,356,874$223,640$0$2,193,564
74$3,606,094$141,417$0$2,319,075
75$3,877,799$52,230$0$2,456,080
76$4,174,190$0$0$2,605,799
77$4,497,691$0$0$2,787,150
78$4,850,967$0$0$3,007,859
79$5,236,954$0$0$3,249,078
80$5,658,884$0$0$3,512,834
81$6,120,316$0$0$3,801,363
82$6,625,167$0$0$4,117,124
83$7,177,750$0$0$4,462,825
84$7,782,818$0$0$4,841,449
85$8,445,599$0$0$5,256,280
86$9,171,856$0$0$5,710,936
87$9,967,932$0$0$6,209,400
88$10,840,815$0$0$6,756,059
89$11,798,201$0$0$7,355,746
90$12,848,567$0$0$8,013,785
91$14,001,248$0$0$8,736,038
92$15,266,531$0$0$9,528,963
93$16,655,742$0$0$10,399,675
94$18,181,362$0$0$11,356,010
95$19,857,137$0$0$12,406,602
96$21,698,212$0$0$13,560,961
97$23,721,269$0$0$14,829,565
98$25,944,688$0$0$16,223,955
99$28,388,716$0$0$17,756,850
100$31,075,663$0$0$19,442,258