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%11.3%
1 years$71,348$70,713$70,093$69,488$68,897$68,520
2 years$35,321$34,663$34,026$33,407$32,808$32,428
3 years$23,313$22,653$22,017$21,404$20,815$20,443
4 years$17,311$16,652$16,023$15,421$14,845$14,485
5 years$13,710$13,055$12,434$11,845$11,285$10,937
6 years$11,311$10,661$10,049$9,472$8,930$8,594
7 years$9,597$8,953$8,350$7,788$7,262$6,939
8 years$8,313$7,674$7,082$6,533$6,025$5,715
9 years$7,314$6,682$6,100$5,565$5,074$4,777
10 years$6,516$5,890$5,318$4,797$4,323$4,039
11 years$5,863$5,243$4,682$4,175$3,718$3,446
12 years$5,320$4,706$4,155$3,662$3,222$2,962
13 years$4,860$4,253$3,712$3,233$2,810$2,562
14 years$4,467$3,866$3,335$2,870$2,463$2,227
15 years$4,126$3,531$3,011$2,559$2,168$1,944
16 years$3,828$3,240$2,730$2,291$1,916$1,703
17 years$3,565$2,984$2,484$2,059$1,699$1,497
18 years$3,332$2,757$2,268$1,855$1,511$1,319
19 years$3,124$2,555$2,076$1,677$1,347$1,165
20 years$2,936$2,375$1,905$1,518$1,203$1,031
21 years$2,767$2,212$1,753$1,378$1,076$914
22 years$2,614$2,065$1,615$1,253$965$811
23 years$2,474$1,931$1,491$1,141$866$721
24 years$2,345$1,809$1,379$1,041$779$642
25 years$2,228$1,698$1,278$951$701$572
26 years$2,119$1,596$1,185$869$631$510
27 years$2,019$1,502$1,100$795$569$455
28 years$1,926$1,415$1,023$729$513$407
29 years$1,839$1,335$952$668$464$363
30 years$1,759$1,261$887$613$419$325
31 years$1,684$1,192$827$563$379$291
32 years$1,613$1,128$771$518$343$260
33 years$1,547$1,068$720$476$310$233
34 years$1,485$1,012$673$438$281$209
35 years$1,427$960$629$403$254$187
36 years$1,372$911$588$371$230$168
37 years$1,320$865$551$342$209$150
38 years$1,271$823$516$315$189$135
39 years$1,225$782$483$291$172$121
40 years$1,181$744$453$268$156$108
41 years$1,140$708$425$247$141$97
42 years$1,100$675$398$228$128$87
43 years$1,062$643$374$211$116$78
44 years$1,027$613$351$195$106$70
45 years$992$584$329$180$96$63
46 years$960$557$309$166$87$57
47 years$929$532$291$153$79$51
48 years$899$508$273$142$72$46
49 years$871$485$257$131$65$41
50 years$844$463$241$121$59$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $864,000, adding $2,576 every year, while hoping to spend $48,133 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: 72/22/6 Blend
51$864,000$864,000$864,000$864,000
52$954,785$908,993$895,601$1,022,649
53$1,000,960$902,321$874,391$1,061,076
54$1,050,232$893,708$850,856$1,096,863
55$1,102,865$883,009$824,870$1,134,687
56$1,159,150$870,070$796,296$1,174,736
57$1,219,406$854,726$764,995$1,217,216
58$1,283,982$836,804$730,818$1,262,355
59$1,353,261$816,120$693,613$1,310,406
60$1,427,663$792,479$653,219$1,361,646
61$1,507,649$765,676$609,467$1,416,385
62$1,593,727$735,491$562,181$1,474,962
63$1,686,452$701,695$511,179$1,537,756
64$1,786,436$664,044$456,269$1,605,182
65$1,894,348$622,278$397,250$1,677,701
66$2,010,927$576,125$333,913$1,755,823
67$2,136,983$525,296$266,040$1,840,110
68$2,273,406$469,486$193,403$1,931,184
69$2,421,175$408,373$115,764$2,029,733
70$2,581,367$341,616$32,875$2,136,518
71$2,755,166$268,854$0$2,252,379
72$2,943,872$189,707$0$2,381,803
73$3,148,919$103,775$0$2,524,734
74$3,371,881$10,632$0$2,680,218
75$3,614,490$0$0$2,849,526
76$3,878,654$0$0$3,055,891
77$4,166,471$0$0$3,283,576
78$4,480,249$0$0$3,531,839
79$4,822,530$0$0$3,802,695
80$5,196,110$0$0$4,098,362
81$5,604,068$0$0$4,421,282
82$6,049,794$0$0$4,774,145
83$6,537,018$0$0$5,159,909
84$7,069,849$0$0$5,581,833
85$7,652,808$0$0$6,043,505
86$8,290,878$0$0$6,548,876
87$8,989,542$0$0$7,102,296
88$9,754,838$0$0$7,708,557
89$10,593,418$0$0$8,372,933
90$11,512,607$0$0$9,101,236
91$12,520,470$0$0$9,899,865
92$13,625,893$0$0$10,775,869
93$14,838,662$0$0$11,737,012
94$16,169,555$0$0$12,791,844
95$17,630,446$0$0$13,949,784
96$19,234,413$0$0$15,221,210
97$20,995,863$0$0$16,617,551
98$22,930,667$0$0$18,151,397
99$25,056,307$0$0$19,836,620
100$27,392,044$0$0$21,688,499