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%12.8%
1 years$71,266$70,631$70,012$69,407$68,817$68,013
2 years$35,280$34,623$33,986$33,369$32,770$31,961
3 years$23,286$22,627$21,991$21,380$20,791$20,002
4 years$17,291$16,633$16,004$15,403$14,828$14,065
5 years$13,694$13,040$12,420$11,831$11,272$10,537
6 years$11,297$10,648$10,037$9,461$8,919$8,213
7 years$9,586$8,943$8,341$7,779$7,254$6,577
8 years$8,303$7,665$7,074$6,525$6,018$5,370
9 years$7,306$6,674$6,093$5,558$5,068$4,450
10 years$6,508$5,883$5,312$4,791$4,318$3,728
11 years$5,856$5,237$4,676$4,170$3,714$3,152
12 years$5,314$4,701$4,150$3,657$3,218$2,684
13 years$4,855$4,248$3,708$3,229$2,806$2,299
14 years$4,461$3,861$3,331$2,866$2,460$1,979
15 years$4,121$3,527$3,008$2,556$2,166$1,710
16 years$3,823$3,236$2,727$2,289$1,914$1,483
17 years$3,561$2,981$2,482$2,056$1,697$1,290
18 years$3,328$2,754$2,265$1,853$1,509$1,125
19 years$3,120$2,553$2,074$1,675$1,345$983
20 years$2,933$2,372$1,903$1,517$1,202$860
21 years$2,764$2,209$1,751$1,376$1,075$754
22 years$2,611$2,062$1,613$1,252$964$662
23 years$2,471$1,929$1,490$1,140$865$582
24 years$2,343$1,807$1,378$1,040$778$512
25 years$2,225$1,696$1,276$949$700$451
26 years$2,117$1,594$1,184$868$630$397
27 years$2,016$1,500$1,099$795$568$350
28 years$1,923$1,414$1,022$728$513$309
29 years$1,837$1,334$951$668$463$273
30 years$1,757$1,259$886$613$418$241
31 years$1,682$1,191$826$563$378$213
32 years$1,611$1,126$770$517$342$188
33 years$1,546$1,067$719$476$310$167
34 years$1,484$1,011$672$438$280$147
35 years$1,425$959$628$403$254$130
36 years$1,371$910$588$371$230$115
37 years$1,319$864$550$342$209$102
38 years$1,270$822$515$315$189$90
39 years$1,224$781$483$290$171$80
40 years$1,180$743$452$268$155$71
41 years$1,138$708$424$247$141$63
42 years$1,099$674$398$228$128$56
43 years$1,061$642$373$211$116$49
44 years$1,025$612$350$194$105$44
45 years$991$584$329$180$96$39
46 years$959$557$309$166$87$34
47 years$928$531$290$153$79$30
48 years$898$507$273$142$72$27
49 years$870$484$256$131$65$24
50 years$843$463$241$121$59$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $863,000, adding $5,536 every year, while hoping to spend $30,235 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: 62/33/5 Blend
51$863,000$863,000$863,000$863,000
52$956,736$910,997$897,621$1,014,962
53$1,022,154$923,466$895,521$1,066,937
54$1,093,230$935,533$892,338$1,119,594
55$1,170,511$947,146$888,003$1,176,277
56$1,254,597$958,249$882,445$1,237,371
57$1,346,147$968,785$875,588$1,303,305
58$1,445,888$978,689$867,354$1,374,548
59$1,554,619$987,896$857,661$1,451,620
60$1,673,220$996,333$846,423$1,535,092
61$1,802,660$1,003,924$833,549$1,625,595
62$1,944,004$1,010,589$818,945$1,723,824
63$2,098,425$1,016,240$802,513$1,830,546
64$2,267,215$1,020,787$784,148$1,946,608
65$2,451,796$1,024,131$763,742$2,072,940
66$2,653,735$1,026,169$741,183$2,210,571
67$2,874,755$1,026,790$716,351$2,360,635
68$3,116,754$1,025,877$689,123$2,524,383
69$3,381,824$1,023,306$659,370$2,703,192
70$3,672,266$1,018,944$626,955$2,898,584
71$3,990,617$1,012,652$591,737$3,112,235
72$4,339,668$1,004,280$553,569$3,345,995
73$4,722,496$993,672$512,296$3,601,901
74$5,142,488$980,659$467,755$3,882,203
75$5,603,376$965,066$419,779$4,189,380
76$6,109,270$946,703$368,191$4,526,167
77$6,664,696$925,373$312,806$4,895,579
78$7,274,643$900,864$253,433$5,300,939
79$7,944,604$872,954$189,871$5,745,916
80$8,680,632$841,406$121,909$6,234,551
81$9,489,393$805,972$49,330$6,771,302
82$10,378,233$766,387$0$7,361,084
83$11,355,244$722,370$0$8,010,819
84$12,429,340$673,628$0$8,727,887
85$13,610,344$619,847$0$9,516,257
86$14,909,077$560,697$0$10,383,207
87$16,337,460$495,828$0$11,336,763
88$17,908,629$424,873$0$12,385,771
89$19,637,058$347,439$0$13,539,986
90$21,538,691$263,117$0$14,810,159
91$23,631,098$171,471$0$16,208,144
92$25,933,638$72,041$0$17,747,008
93$28,467,640$0$0$19,441,158
94$31,256,607$0$0$21,319,421
95$34,326,434$0$0$23,415,705
96$37,705,655$0$0$25,723,344
97$41,425,712$0$0$28,263,817
98$45,521,249$0$0$31,060,795
99$50,030,438$0$0$34,140,358
100$54,995,345$0$0$37,531,244