Can I retire at age 52 with 864,000?

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 $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%17.2%
1 years$71,348$70,713$70,093$69,488$68,897$66,879
2 years$35,321$34,663$34,026$33,407$32,808$30,791
3 years$23,313$22,653$22,017$21,404$20,815$18,863
4 years$17,311$16,652$16,023$15,421$14,845$12,973
5 years$13,710$13,055$12,434$11,845$11,285$9,497
6 years$11,311$10,661$10,049$9,472$8,930$7,227
7 years$9,597$8,953$8,350$7,788$7,262$5,646
8 years$8,313$7,674$7,082$6,533$6,025$4,494
9 years$7,314$6,682$6,100$5,565$5,074$3,626
10 years$6,516$5,890$5,318$4,797$4,323$2,957
11 years$5,863$5,243$4,682$4,175$3,718$2,432
12 years$5,320$4,706$4,155$3,662$3,222$2,012
13 years$4,860$4,253$3,712$3,233$2,810$1,674
14 years$4,467$3,866$3,335$2,870$2,463$1,398
15 years$4,126$3,531$3,011$2,559$2,168$1,172
16 years$3,828$3,240$2,730$2,291$1,916$986
17 years$3,565$2,984$2,484$2,059$1,699$830
18 years$3,332$2,757$2,268$1,855$1,511$701
19 years$3,124$2,555$2,076$1,677$1,347$593
20 years$2,936$2,375$1,905$1,518$1,203$502
21 years$2,767$2,212$1,753$1,378$1,076$426
22 years$2,614$2,065$1,615$1,253$965$361
23 years$2,474$1,931$1,491$1,141$866$307
24 years$2,345$1,809$1,379$1,041$779$261
25 years$2,228$1,698$1,278$951$701$222
26 years$2,119$1,596$1,185$869$631$189
27 years$2,019$1,502$1,100$795$569$161
28 years$1,926$1,415$1,023$729$513$137
29 years$1,839$1,335$952$668$464$116
30 years$1,759$1,261$887$613$419$99
31 years$1,684$1,192$827$563$379$85
32 years$1,613$1,128$771$518$343$72
33 years$1,547$1,068$720$476$310$61
34 years$1,485$1,012$673$438$281$52
35 years$1,427$960$629$403$254$45
36 years$1,372$911$588$371$230$38
37 years$1,320$865$551$342$209$32
38 years$1,271$823$516$315$189$28
39 years$1,225$782$483$291$172$24
40 years$1,181$744$453$268$156$20
41 years$1,140$708$425$247$141$17
42 years$1,100$675$398$228$128$15
43 years$1,062$643$374$211$116$13
44 years$1,027$613$351$195$106$11
45 years$992$584$329$180$96$9
46 years$960$557$309$166$87$8
47 years$929$532$291$153$79$7
48 years$899$508$273$142$72$6
49 years$871$485$257$131$65$5
50 years$844$463$241$121$59$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $864,000, adding $6,831 every year, while hoping to spend $56,683 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: 64/30/6 Blend
51$864,000$864,000$864,000$864,000
52$959,174$913,382$899,990$1,019,158
53$996,700$897,828$869,830$1,044,382
54$1,036,153$879,611$836,759$1,064,580
55$1,077,671$858,542$800,621$1,085,151
56$1,121,402$834,420$761,250$1,106,127
57$1,167,509$807,031$718,476$1,127,544
58$1,216,169$776,148$672,118$1,149,446
59$1,267,573$741,534$621,989$1,171,880
60$1,321,932$702,936$567,892$1,194,905
61$1,379,475$660,086$509,623$1,218,584
62$1,440,452$612,702$446,967$1,242,993
63$1,505,139$560,484$379,700$1,268,216
64$1,573,832$503,117$307,589$1,294,352
65$1,646,860$440,267$230,391$1,321,510
66$1,724,581$371,581$147,850$1,349,817
67$1,807,386$296,686$59,700$1,379,415
68$1,895,704$215,189$0$1,410,467
69$1,990,005$126,673$0$1,445,354
70$2,090,805$30,699$0$1,486,306
71$2,198,668$0$0$1,529,748
72$2,314,213$0$0$1,600,127
73$2,438,119$0$0$1,686,505
74$2,571,131$0$0$1,779,275
75$2,714,066$0$0$1,879,010
76$2,867,821$0$0$1,986,343
77$3,033,383$0$0$2,101,968
78$3,211,833$0$0$2,226,647
79$3,404,360$0$0$2,361,216
80$3,612,270$0$0$2,506,597
81$3,836,997$0$0$2,663,799
82$4,080,119$0$0$2,833,934
83$4,343,370$0$0$3,018,223
84$4,628,656$0$0$3,218,010
85$4,938,071$0$0$3,434,770
86$5,273,922$0$0$3,670,128
87$5,638,743$0$0$3,925,871
88$6,035,322$0$0$4,203,963
89$6,466,728$0$0$4,506,567
90$6,936,334$0$0$4,836,061
91$7,447,856$0$0$5,195,063
92$8,005,379$0$0$5,586,454
93$8,613,401$0$0$6,013,403
94$9,276,873$0$0$6,479,401
95$10,001,244$0$0$6,988,288
96$10,792,512$0$0$7,544,294
97$11,657,280$0$0$8,152,072
98$12,602,818$0$0$8,816,750
99$13,637,131$0$0$9,543,970
100$14,769,032$0$0$10,339,945