Can I retire at age 52 with 863,000?

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 $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%12.6%
1 years$71,266$70,631$70,012$69,407$68,817$68,070
2 years$35,280$34,623$33,986$33,369$32,770$32,018
3 years$23,286$22,627$21,991$21,380$20,791$20,057
4 years$17,291$16,633$16,004$15,403$14,828$14,118
5 years$13,694$13,040$12,420$11,831$11,272$10,588
6 years$11,297$10,648$10,037$9,461$8,919$8,262
7 years$9,586$8,943$8,341$7,779$7,254$6,623
8 years$8,303$7,665$7,074$6,525$6,018$5,414
9 years$7,306$6,674$6,093$5,558$5,068$4,491
10 years$6,508$5,883$5,312$4,791$4,318$3,768
11 years$5,856$5,237$4,676$4,170$3,714$3,189
12 years$5,314$4,701$4,150$3,657$3,218$2,719
13 years$4,855$4,248$3,708$3,229$2,806$2,332
14 years$4,461$3,861$3,331$2,866$2,460$2,010
15 years$4,121$3,527$3,008$2,556$2,166$1,740
16 years$3,823$3,236$2,727$2,289$1,914$1,511
17 years$3,561$2,981$2,482$2,056$1,697$1,316
18 years$3,328$2,754$2,265$1,853$1,509$1,149
19 years$3,120$2,553$2,074$1,675$1,345$1,005
20 years$2,933$2,372$1,903$1,517$1,202$881
21 years$2,764$2,209$1,751$1,376$1,075$774
22 years$2,611$2,062$1,613$1,252$964$680
23 years$2,471$1,929$1,490$1,140$865$599
24 years$2,343$1,807$1,378$1,040$778$528
25 years$2,225$1,696$1,276$949$700$465
26 years$2,117$1,594$1,184$868$630$411
27 years$2,016$1,500$1,099$795$568$363
28 years$1,923$1,414$1,022$728$513$321
29 years$1,837$1,334$951$668$463$284
30 years$1,757$1,259$886$613$418$251
31 years$1,682$1,191$826$563$378$222
32 years$1,611$1,126$770$517$342$197
33 years$1,546$1,067$719$476$310$174
34 years$1,484$1,011$672$438$280$154
35 years$1,425$959$628$403$254$137
36 years$1,371$910$588$371$230$121
37 years$1,319$864$550$342$209$108
38 years$1,270$822$515$315$189$95
39 years$1,224$781$483$290$171$85
40 years$1,180$743$452$268$155$75
41 years$1,138$708$424$247$141$67
42 years$1,099$674$398$228$128$59
43 years$1,061$642$373$211$116$52
44 years$1,025$612$350$194$105$47
45 years$991$584$329$180$96$41
46 years$959$557$309$166$87$37
47 years$928$531$290$153$79$33
48 years$898$507$273$142$72$29
49 years$870$484$256$131$65$26
50 years$843$463$241$121$59$23

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $863,000, adding $3,268 every year, while hoping to spend $28,223 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: 63/18/19 Blend
51$863,000$863,000$863,000$863,000
52$954,397$908,658$895,281$1,009,707
53$1,021,716$923,153$895,244$1,061,827
54$1,094,956$937,413$894,260$1,115,249
55$1,174,691$951,395$892,267$1,172,932
56$1,261,553$965,056$889,201$1,235,294
57$1,356,236$978,349$884,994$1,302,795
58$1,459,506$991,222$879,575$1,375,943
59$1,572,205$1,003,621$872,870$1,455,297
60$1,695,259$1,015,488$864,801$1,541,476
61$1,829,691$1,026,762$855,287$1,635,160
62$1,976,621$1,037,376$844,241$1,737,100
63$2,137,289$1,047,259$831,575$1,848,123
64$2,313,054$1,056,337$817,195$1,969,142
65$2,505,417$1,064,529$801,002$2,101,165
66$2,716,029$1,071,750$782,895$2,245,301
67$2,946,707$1,077,909$762,765$2,402,775
68$3,199,455$1,082,910$740,501$2,574,936
69$3,476,476$1,086,649$715,985$2,763,272
70$3,780,200$1,089,018$689,094$2,969,426
71$4,113,301$1,089,901$659,699$3,195,206
72$4,478,725$1,089,174$627,667$3,442,610
73$4,879,718$1,086,706$592,856$3,713,837
74$5,319,852$1,082,358$555,121$4,011,314
75$5,803,067$1,075,983$514,306$4,337,716
76$6,333,697$1,067,424$470,253$4,695,994
77$6,916,522$1,056,515$422,794$5,089,400
78$7,556,803$1,043,081$371,754$5,521,520
79$8,260,340$1,026,934$316,950$5,996,310
80$9,033,518$1,007,877$258,192$6,518,129
81$9,883,375$985,702$195,280$7,091,784
82$10,817,664$960,185$128,006$7,722,574
83$11,844,925$931,093$56,153$8,416,342
84$12,974,567$898,178$0$9,179,530
85$14,216,960$861,175$0$10,023,401
86$15,583,524$819,807$0$10,964,043
87$17,086,846$773,780$0$11,998,741
88$18,740,792$722,782$0$13,137,062
89$20,560,639$666,485$0$14,389,551
90$22,563,221$604,540$0$15,767,830
91$24,767,087$536,580$0$17,284,706
92$27,192,674$462,216$0$18,954,292
93$29,862,499$381,037$0$20,792,147
94$32,801,376$292,610$0$22,815,412
95$36,036,645$196,477$0$25,042,984
96$39,598,432$92,153$0$27,495,685
97$43,519,932$0$0$30,196,464
98$47,837,721$0$0$33,174,748
99$52,592,107$0$0$36,474,359
100$57,827,500$0$0$40,107,879