Can I retire at age 52 with 863,000?

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 $863,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$71,266$70,631$70,012$69,407$68,817$66,534
2 years$35,280$34,623$33,986$33,369$32,770$30,492
3 years$23,286$22,627$21,991$21,380$20,791$18,589
4 years$17,291$16,633$16,004$15,403$14,828$12,720
5 years$13,694$13,040$12,420$11,831$11,272$9,263
6 years$11,297$10,648$10,037$9,461$8,919$7,011
7 years$9,586$8,943$8,341$7,779$7,254$5,446
8 years$8,303$7,665$7,074$6,525$6,018$4,309
9 years$7,306$6,674$6,093$5,558$5,068$3,456
10 years$6,508$5,883$5,312$4,791$4,318$2,801
11 years$5,856$5,237$4,676$4,170$3,714$2,288
12 years$5,314$4,701$4,150$3,657$3,218$1,881
13 years$4,855$4,248$3,708$3,229$2,806$1,554
14 years$4,461$3,861$3,331$2,866$2,460$1,289
15 years$4,121$3,527$3,008$2,556$2,166$1,073
16 years$3,823$3,236$2,727$2,289$1,914$896
17 years$3,561$2,981$2,482$2,056$1,697$749
18 years$3,328$2,754$2,265$1,853$1,509$628
19 years$3,120$2,553$2,074$1,675$1,345$527
20 years$2,933$2,372$1,903$1,517$1,202$443
21 years$2,764$2,209$1,751$1,376$1,075$373
22 years$2,611$2,062$1,613$1,252$964$314
23 years$2,471$1,929$1,490$1,140$865$264
24 years$2,343$1,807$1,378$1,040$778$223
25 years$2,225$1,696$1,276$949$700$188
26 years$2,117$1,594$1,184$868$630$159
27 years$2,016$1,500$1,099$795$568$134
28 years$1,923$1,414$1,022$728$513$113
29 years$1,837$1,334$951$668$463$96
30 years$1,757$1,259$886$613$418$81
31 years$1,682$1,191$826$563$378$68
32 years$1,611$1,126$770$517$342$58
33 years$1,546$1,067$719$476$310$49
34 years$1,484$1,011$672$438$280$41
35 years$1,425$959$628$403$254$35
36 years$1,371$910$588$371$230$30
37 years$1,319$864$550$342$209$25
38 years$1,270$822$515$315$189$21
39 years$1,224$781$483$290$171$18
40 years$1,180$743$452$268$155$15
41 years$1,138$708$424$247$141$13
42 years$1,099$674$398$228$128$11
43 years$1,061$642$373$211$116$9
44 years$1,025$612$350$194$105$8
45 years$991$584$329$180$96$7
46 years$959$557$309$166$87$6
47 years$928$531$290$153$79$5
48 years$898$507$273$142$72$4
49 years$870$484$256$131$65$3
50 years$843$463$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 $863,000, adding $4,318 every year, while hoping to spend $34,151 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: 46/32/22 Blend
51$863,000$863,000$863,000$863,000
52$955,480$909,741$896,365$993,229
53$1,016,603$917,982$890,056$1,028,399
54$1,082,815$925,482$882,392$1,062,818
55$1,154,601$932,169$873,291$1,099,466
56$1,232,490$937,966$862,666$1,138,565
57$1,317,069$942,790$850,430$1,180,365
58$1,408,978$946,556$836,488$1,225,140
59$1,508,926$949,169$820,742$1,273,196
60$1,617,690$950,531$803,090$1,324,871
61$1,736,125$950,539$783,425$1,380,539
62$1,865,174$949,079$761,634$1,440,615
63$2,005,873$946,035$737,600$1,505,557
64$2,159,362$941,281$711,200$1,575,875
65$2,326,897$934,684$682,305$1,652,130
66$2,509,861$926,103$650,782$1,734,946
67$2,709,773$915,389$616,490$1,825,012
68$2,928,310$902,383$579,282$1,923,090
69$3,167,314$886,917$539,005$2,030,025
70$3,428,818$868,813$495,499$2,146,748
71$3,715,055$847,883$448,596$2,274,293
72$4,028,488$823,927$398,122$2,413,801
73$4,371,828$796,733$343,893$2,566,533
74$4,748,060$766,079$285,719$2,733,885
75$5,160,473$731,727$223,402$2,917,398
76$5,612,687$693,428$156,732$3,118,778
77$6,108,692$650,916$85,492$3,339,908
78$6,652,879$603,912$9,457$3,582,870
79$7,250,088$552,119$0$3,849,963
80$7,905,649$495,225$0$4,160,555
81$8,625,433$432,898$0$4,504,090
82$9,415,907$364,790$0$4,881,505
83$10,284,195$290,531$0$5,296,288
84$11,238,147$209,731$0$5,752,286
85$12,286,409$121,978$0$6,253,742
86$13,438,505$26,838$0$6,805,340
87$14,704,930$0$0$7,412,244
88$16,097,244$0$0$8,106,965
89$17,628,186$0$0$8,881,359
90$19,311,788$0$0$9,733,087
91$21,163,511$0$0$10,669,985
92$23,200,391$0$0$11,700,686
93$25,441,195$0$0$12,834,703
94$27,906,605$0$0$14,082,516
95$30,619,403$0$0$15,455,676
96$33,604,697$0$0$16,966,904
97$36,890,147$0$0$18,630,223
98$40,506,233$0$0$20,461,080
99$44,486,538$0$0$22,476,498
100$48,868,068$0$0$24,695,232