Can I retire at age 52 with 862,000?

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 $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%15.3%
1 years$71,183$70,549$69,930$69,327$68,737$67,239
2 years$35,239$34,583$33,947$33,330$32,732$31,231
3 years$23,259$22,600$21,966$21,355$20,766$19,308
4 years$17,271$16,614$15,986$15,385$14,811$13,407
5 years$13,678$13,025$12,405$11,817$11,259$9,914
6 years$11,284$10,636$10,025$9,450$8,909$7,623
7 years$9,575$8,932$8,331$7,770$7,245$6,020
8 years$8,294$7,657$7,065$6,518$6,011$4,845
9 years$7,297$6,666$6,086$5,552$5,062$3,955
10 years$6,501$5,876$5,305$4,786$4,313$3,263
11 years$5,850$5,231$4,671$4,165$3,709$2,716
12 years$5,307$4,695$4,145$3,653$3,214$2,276
13 years$4,849$4,243$3,704$3,225$2,803$1,918
14 years$4,456$3,857$3,328$2,863$2,457$1,623
15 years$4,116$3,523$3,004$2,553$2,163$1,379
16 years$3,819$3,233$2,724$2,286$1,912$1,175
17 years$3,557$2,977$2,479$2,054$1,695$1,004
18 years$3,324$2,751$2,263$1,851$1,507$859
19 years$3,117$2,550$2,071$1,673$1,344$737
20 years$2,930$2,369$1,901$1,515$1,200$633
21 years$2,761$2,207$1,749$1,375$1,074$545
22 years$2,608$2,060$1,612$1,250$963$469
23 years$2,468$1,927$1,488$1,138$864$405
24 years$2,340$1,805$1,376$1,038$777$349
25 years$2,222$1,694$1,275$948$699$301
26 years$2,114$1,592$1,182$867$630$260
27 years$2,014$1,498$1,098$794$568$225
28 years$1,921$1,412$1,020$727$512$195
29 years$1,835$1,332$950$667$462$168
30 years$1,755$1,258$885$612$418$146
31 years$1,680$1,189$825$562$378$126
32 years$1,609$1,125$769$517$342$109
33 years$1,544$1,066$718$475$309$95
34 years$1,482$1,010$671$437$280$82
35 years$1,424$958$628$402$254$71
36 years$1,369$909$587$371$230$62
37 years$1,317$863$549$341$208$53
38 years$1,269$821$515$315$189$46
39 years$1,222$780$482$290$171$40
40 years$1,178$742$452$268$155$35
41 years$1,137$707$424$247$141$30
42 years$1,097$673$397$228$128$26
43 years$1,060$641$373$210$116$23
44 years$1,024$611$350$194$105$20
45 years$990$583$329$179$96$17
46 years$958$556$309$166$87$15
47 years$927$531$290$153$79$13
48 years$897$507$273$141$72$11
49 years$869$484$256$131$65$10
50 years$842$462$241$121$59$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $862,000, adding $5,115 every year, while hoping to spend $37,572 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: 71/24/5 Blend
51$862,000$862,000$862,000$862,000
52$955,200$909,514$896,153$1,022,203
53$1,012,654$914,104$886,198$1,071,682
54$1,074,709$917,660$874,650$1,120,642
55$1,141,795$920,090$861,416$1,173,171
56$1,214,384$921,300$846,399$1,229,609
57$1,292,995$921,188$829,497$1,290,333
58$1,378,198$919,644$810,604$1,355,755
59$1,470,622$916,554$789,606$1,426,333
60$1,570,956$911,796$766,389$1,502,569
61$1,679,960$905,240$740,829$1,585,019
62$1,798,468$896,749$712,799$1,674,294
63$1,927,400$886,178$682,166$1,771,071
64$2,067,765$873,371$648,789$1,876,094
65$2,220,676$858,165$612,522$1,990,185
66$2,387,358$840,388$573,214$2,114,250
67$2,569,156$819,854$530,705$2,249,288
68$2,767,553$796,371$484,827$2,396,402
69$2,984,182$769,732$435,407$2,556,809
70$3,220,839$739,719$382,263$2,731,849
71$3,479,501$706,102$325,206$2,923,003
72$3,762,347$668,637$264,036$3,131,902
73$4,071,772$627,066$198,548$3,360,348
74$4,410,417$581,117$128,523$3,610,325
75$4,781,189$530,501$53,738$3,884,024
76$5,187,288$474,913$0$4,183,860
77$5,632,240$414,032$0$4,513,890
78$6,119,925$347,517$0$4,878,810
79$6,654,620$275,008$0$5,279,004
80$7,241,034$196,126$0$5,718,063
81$7,884,353$110,469$0$6,199,943
82$8,590,289$17,614$0$6,729,008
83$9,365,136$0$0$7,310,067
84$10,215,824$0$0$7,970,316
85$11,149,988$0$0$8,700,508
86$12,176,040$0$0$9,502,572
87$13,303,245$0$0$10,383,758
88$14,541,811$0$0$11,352,049
89$15,902,981$0$0$12,416,245
90$17,399,145$0$0$13,586,037
91$19,043,950$0$0$14,872,102
92$20,852,434$0$0$16,286,206
93$22,841,162$0$0$17,841,308
94$25,028,386$0$0$19,551,688
95$27,434,216$0$0$21,433,081
96$30,080,808$0$0$23,502,819
97$32,992,574$0$0$25,780,004
98$36,196,411$0$0$28,285,677
99$39,721,955$0$0$31,043,027
100$43,601,861$0$0$34,077,602