Can I retire at age 52 with 864,000?

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 $864,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$71,348$70,713$70,093$69,488$68,897$66,585
2 years$35,321$34,663$34,026$33,407$32,808$30,501
3 years$23,313$22,653$22,017$21,404$20,815$18,586
4 years$17,311$16,652$16,023$15,421$14,845$12,712
5 years$13,710$13,055$12,434$11,845$11,285$9,252
6 years$11,311$10,661$10,049$9,472$8,930$6,999
7 years$9,597$8,953$8,350$7,788$7,262$5,433
8 years$8,313$7,674$7,082$6,533$6,025$4,297
9 years$7,314$6,682$6,100$5,565$5,074$3,444
10 years$6,516$5,890$5,318$4,797$4,323$2,789
11 years$5,863$5,243$4,682$4,175$3,718$2,277
12 years$5,320$4,706$4,155$3,662$3,222$1,871
13 years$4,860$4,253$3,712$3,233$2,810$1,545
14 years$4,467$3,866$3,335$2,870$2,463$1,281
15 years$4,126$3,531$3,011$2,559$2,168$1,065
16 years$3,828$3,240$2,730$2,291$1,916$888
17 years$3,565$2,984$2,484$2,059$1,699$743
18 years$3,332$2,757$2,268$1,855$1,511$622
19 years$3,124$2,555$2,076$1,677$1,347$522
20 years$2,936$2,375$1,905$1,518$1,203$438
21 years$2,767$2,212$1,753$1,378$1,076$368
22 years$2,614$2,065$1,615$1,253$965$310
23 years$2,474$1,931$1,491$1,141$866$261
24 years$2,345$1,809$1,379$1,041$779$220
25 years$2,228$1,698$1,278$951$701$185
26 years$2,119$1,596$1,185$869$631$156
27 years$2,019$1,502$1,100$795$569$132
28 years$1,926$1,415$1,023$729$513$111
29 years$1,839$1,335$952$668$464$94
30 years$1,759$1,261$887$613$419$79
31 years$1,684$1,192$827$563$379$67
32 years$1,613$1,128$771$518$343$57
33 years$1,547$1,068$720$476$310$48
34 years$1,485$1,012$673$438$281$40
35 years$1,427$960$629$403$254$34
36 years$1,372$911$588$371$230$29
37 years$1,320$865$551$342$209$24
38 years$1,271$823$516$315$189$21
39 years$1,225$782$483$291$172$17
40 years$1,181$744$453$268$156$15
41 years$1,140$708$425$247$141$12
42 years$1,100$675$398$228$128$10
43 years$1,062$643$374$211$116$9
44 years$1,027$613$351$195$106$7
45 years$992$584$329$180$96$6
46 years$960$557$309$166$87$5
47 years$929$532$291$153$79$5
48 years$899$508$273$142$72$4
49 years$871$485$257$131$65$3
50 years$844$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 $864,000, adding $5,388 every year, while hoping to spend $45,822 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: 41/50/9 Blend
51$864,000$864,000$864,000$864,000
52$957,686$911,894$898,502$994,179
53$1,006,615$907,822$879,847$1,016,181
54$1,059,000$902,016$859,032$1,034,974
55$1,115,144$894,340$835,936$1,054,277
56$1,175,381$884,655$810,431$1,074,154
57$1,240,076$872,809$782,387$1,094,680
58$1,309,631$858,644$751,665$1,115,940
59$1,384,488$841,992$718,120$1,138,032
60$1,465,130$822,674$681,601$1,161,067
61$1,552,090$800,502$641,951$1,185,172
62$1,645,951$775,275$599,005$1,210,490
63$1,747,356$746,781$552,589$1,237,185
64$1,857,010$714,797$502,525$1,265,442
65$1,975,688$679,085$448,623$1,295,469
66$2,104,244$639,396$390,687$1,327,501
67$2,243,614$595,463$328,512$1,361,805
68$2,394,829$547,007$261,883$1,398,679
69$2,559,022$493,731$190,577$1,438,458
70$2,737,440$435,322$114,360$1,481,521
71$2,931,455$371,449$32,987$1,528,291
72$3,142,576$301,763$0$1,579,243
73$3,372,463$225,893$0$1,640,080
74$3,622,942$143,450$0$1,709,943
75$3,896,025$54,021$0$1,786,352
76$4,193,924$0$0$1,870,080
77$4,519,074$0$0$1,985,548
78$4,874,157$0$0$2,144,210
79$5,262,123$0$0$2,317,673
80$5,686,222$0$0$2,507,404
81$6,150,032$0$0$2,715,017
82$6,657,490$0$0$2,942,290
83$7,212,934$0$0$3,191,182
84$7,821,139$0$0$3,463,846
85$8,487,364$0$0$3,762,658
86$9,217,401$0$0$4,090,232
87$10,017,628$0$0$4,449,448
88$10,895,070$0$0$4,843,477
89$11,857,464$0$0$5,275,813
90$12,913,331$0$0$5,750,304
91$14,072,058$0$0$6,271,188
92$15,343,986$0$0$6,843,134
93$16,740,502$0$0$7,471,286
94$18,274,152$0$0$8,161,310
95$19,958,758$0$0$8,919,446
96$21,809,544$0$0$9,752,571
97$23,843,282$0$0$10,668,259
98$26,078,450$0$0$11,674,858
99$28,535,404$0$0$12,781,560
100$31,236,572$0$0$13,998,496