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%19.5%
1 years$71,348$70,713$70,093$69,488$68,897$66,268
2 years$35,321$34,663$34,026$33,407$32,808$30,190
3 years$23,313$22,653$22,017$21,404$20,815$18,291
4 years$17,311$16,652$16,023$15,421$14,845$12,434
5 years$13,710$13,055$12,434$11,845$11,285$8,993
6 years$11,311$10,661$10,049$9,472$8,930$6,758
7 years$9,597$8,953$8,350$7,788$7,262$5,211
8 years$8,313$7,674$7,082$6,533$6,025$4,091
9 years$7,314$6,682$6,100$5,565$5,074$3,255
10 years$6,516$5,890$5,318$4,797$4,323$2,617
11 years$5,863$5,243$4,682$4,175$3,718$2,120
12 years$5,320$4,706$4,155$3,662$3,222$1,727
13 years$4,860$4,253$3,712$3,233$2,810$1,415
14 years$4,467$3,866$3,335$2,870$2,463$1,163
15 years$4,126$3,531$3,011$2,559$2,168$959
16 years$3,828$3,240$2,730$2,291$1,916$793
17 years$3,565$2,984$2,484$2,059$1,699$657
18 years$3,332$2,757$2,268$1,855$1,511$545
19 years$3,124$2,555$2,076$1,677$1,347$453
20 years$2,936$2,375$1,905$1,518$1,203$377
21 years$2,767$2,212$1,753$1,378$1,076$314
22 years$2,614$2,065$1,615$1,253$965$262
23 years$2,474$1,931$1,491$1,141$866$218
24 years$2,345$1,809$1,379$1,041$779$182
25 years$2,228$1,698$1,278$951$701$152
26 years$2,119$1,596$1,185$869$631$127
27 years$2,019$1,502$1,100$795$569$106
28 years$1,926$1,415$1,023$729$513$89
29 years$1,839$1,335$952$668$464$74
30 years$1,759$1,261$887$613$419$62
31 years$1,684$1,192$827$563$379$52
32 years$1,613$1,128$771$518$343$43
33 years$1,547$1,068$720$476$310$36
34 years$1,485$1,012$673$438$281$30
35 years$1,427$960$629$403$254$25
36 years$1,372$911$588$371$230$21
37 years$1,320$865$551$342$209$18
38 years$1,271$823$516$315$189$15
39 years$1,225$782$483$291$172$12
40 years$1,181$744$453$268$156$10
41 years$1,140$708$425$247$141$9
42 years$1,100$675$398$228$128$7
43 years$1,062$643$374$211$116$6
44 years$1,027$613$351$195$106$5
45 years$992$584$329$180$96$4
46 years$960$557$309$166$87$4
47 years$929$532$291$153$79$3
48 years$899$508$273$142$72$2
49 years$871$485$257$131$65$2
50 years$844$463$241$121$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $864,000, adding $4,960 every year, while hoping to spend $40,140 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: 39/43/18 Blend
51$864,000$864,000$864,000$864,000
52$957,244$911,452$898,060$989,257
53$1,012,175$913,405$885,437$1,014,596
54$1,071,362$914,108$871,045$1,037,763
55$1,135,200$913,457$854,783$1,061,974
56$1,204,117$911,344$836,545$1,087,342
57$1,278,587$907,650$816,220$1,114,000
58$1,359,131$902,252$793,691$1,142,092
59$1,446,318$895,019$768,836$1,171,782
60$1,540,779$885,811$741,528$1,203,254
61$1,643,203$874,480$711,633$1,236,713
62$1,754,349$860,870$679,013$1,272,390
63$1,875,055$844,814$643,522$1,310,541
64$2,006,238$826,137$605,007$1,351,454
65$2,148,909$804,653$563,310$1,395,450
66$2,304,181$780,164$518,264$1,442,887
67$2,473,277$752,462$469,695$1,494,165
68$2,657,544$721,325$417,423$1,549,729
69$2,858,464$686,521$361,257$1,610,076
70$3,077,668$647,801$301,001$1,675,758
71$3,316,952$604,905$236,446$1,747,392
72$3,578,292$557,556$167,377$1,825,661
73$3,863,863$505,462$93,570$1,911,328
74$4,176,061$448,313$14,788$2,005,238
75$4,517,523$385,784$0$2,108,332
76$4,891,152$317,529$0$2,234,962
77$5,300,146$243,184$0$2,376,878
78$5,748,025$162,365$0$2,532,574
79$6,238,666$74,664$0$2,703,535
80$6,776,340$0$0$2,891,401
81$7,365,749$0$0$3,107,616
82$8,012,071$0$0$3,383,564
83$8,721,012$0$0$3,686,367
84$9,498,852$0$0$4,018,722
85$10,352,514$0$0$4,383,602
86$11,289,621$0$0$4,784,282
87$12,318,568$0$0$5,224,368
88$13,448,606$0$0$5,707,834
89$14,689,924$0$0$6,239,057
90$16,053,749$0$0$6,822,858
91$17,552,445$0$0$7,464,551
92$19,199,636$0$0$8,169,988
93$21,010,331$0$0$8,945,617
94$23,001,066$0$0$9,798,543
95$25,190,057$0$0$10,736,592
96$27,597,377$0$0$11,768,387
97$30,245,138$0$0$12,903,431
98$33,157,705$0$0$14,152,191
99$36,361,921$0$0$15,526,202
100$39,887,365$0$0$17,038,172