Can I retire at age 52 with 865,000?

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 $865,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$71,431$70,795$70,174$69,568$68,976$68,341
2 years$35,362$34,703$34,065$33,446$32,846$32,206
3 years$23,340$22,679$22,042$21,429$20,839$20,214
4 years$17,331$16,671$16,041$15,439$14,862$14,258
5 years$13,726$13,071$12,449$11,858$11,298$10,715
6 years$11,324$10,673$10,060$9,483$8,940$8,379
7 years$9,608$8,963$8,360$7,797$7,270$6,732
8 years$8,322$7,683$7,090$6,540$6,032$5,516
9 years$7,323$6,690$6,107$5,571$5,079$4,586
10 years$6,524$5,897$5,324$4,802$4,328$3,857
11 years$5,870$5,249$4,687$4,179$3,722$3,273
12 years$5,326$4,712$4,160$3,666$3,226$2,798
13 years$4,866$4,258$3,716$3,236$2,813$2,406
14 years$4,472$3,870$3,339$2,873$2,466$2,079
15 years$4,131$3,536$3,015$2,562$2,171$1,804
16 years$3,832$3,244$2,733$2,294$1,919$1,571
17 years$3,569$2,987$2,487$2,061$1,701$1,372
18 years$3,336$2,761$2,271$1,858$1,513$1,201
19 years$3,127$2,558$2,079$1,679$1,348$1,054
20 years$2,940$2,377$1,908$1,520$1,204$927
21 years$2,770$2,214$1,755$1,380$1,078$816
22 years$2,617$2,067$1,617$1,254$966$720
23 years$2,476$1,933$1,493$1,142$867$635
24 years$2,348$1,811$1,381$1,042$779$562
25 years$2,230$1,700$1,279$952$701$497
26 years$2,121$1,598$1,186$870$632$440
27 years$2,021$1,504$1,102$796$570$390
28 years$1,928$1,417$1,024$730$514$346
29 years$1,841$1,337$953$669$464$307
30 years$1,761$1,262$888$614$419$272
31 years$1,686$1,193$828$564$379$242
32 years$1,615$1,129$772$518$343$215
33 years$1,549$1,069$721$477$310$191
34 years$1,487$1,013$674$439$281$170
35 years$1,429$961$630$404$255$151
36 years$1,374$912$589$372$231$134
37 years$1,322$866$551$343$209$120
38 years$1,273$823$516$316$189$106
39 years$1,227$783$484$291$172$95
40 years$1,183$745$453$269$156$84
41 years$1,141$709$425$248$141$75
42 years$1,101$675$399$229$128$67
43 years$1,064$644$374$211$116$59
44 years$1,028$613$351$195$106$53
45 years$994$585$330$180$96$47
46 years$961$558$310$166$87$42
47 years$930$533$291$154$79$37
48 years$900$508$274$142$72$33
49 years$872$485$257$131$65$30
50 years$845$464$242$121$59$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $865,000, adding $5,092 every year, while hoping to spend $27,282 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: 53/17/30 Blend
51$865,000$865,000$865,000$865,000
52$958,482$912,637$899,230$1,000,988
53$1,027,220$928,329$900,326$1,046,756
54$1,102,054$943,875$900,545$1,093,370
55$1,183,578$959,239$899,828$1,143,571
56$1,272,445$974,384$898,114$1,197,714
57$1,369,372$989,267$895,339$1,256,192
58$1,475,151$1,003,844$891,436$1,319,437
59$1,590,652$1,018,067$886,334$1,387,929
60$1,716,832$1,031,886$879,960$1,462,194
61$1,854,747$1,045,247$872,237$1,542,814
62$2,005,557$1,058,090$863,082$1,630,433
63$2,170,541$1,070,353$852,413$1,725,760
64$2,351,107$1,081,971$840,139$1,829,578
65$2,548,804$1,092,872$826,168$1,942,750
66$2,765,339$1,102,980$810,402$2,066,231
67$3,002,593$1,112,215$792,740$2,201,071
68$3,262,635$1,120,491$773,074$2,348,432
69$3,547,745$1,127,717$751,293$2,509,594
70$3,860,435$1,133,794$727,281$2,685,971
71$4,203,470$1,138,621$700,916$2,879,123
72$4,579,896$1,142,086$672,069$3,090,768
73$4,993,070$1,144,072$640,607$3,322,805
74$5,446,687$1,144,455$606,392$3,577,328
75$5,944,819$1,143,104$569,276$3,856,645
76$6,491,952$1,139,877$529,108$4,163,305
77$7,093,026$1,134,626$485,728$4,500,117
78$7,753,485$1,127,193$438,970$4,870,181
79$8,479,325$1,117,410$388,660$5,276,916
80$9,277,153$1,105,100$334,617$5,724,093
81$10,154,247$1,090,075$276,651$6,215,869
82$11,118,626$1,072,134$214,564$6,756,833
83$12,179,123$1,051,066$148,150$7,352,041
84$13,345,473$1,026,647$77,192$8,007,072
85$14,628,399$998,641$1,466$8,728,078
86$16,039,716$966,795$0$9,521,841
87$17,592,444$930,844$0$10,421,242
88$19,300,925$890,507$0$11,411,280
89$21,180,963$845,486$0$12,500,663
90$23,249,973$795,467$0$13,699,506
91$25,527,141$740,115$0$15,018,953
92$28,033,609$679,081$0$16,471,291
93$30,792,672$611,990$0$18,070,056
94$33,829,998$538,451$0$19,830,171
95$37,173,869$458,047$0$21,768,080
96$40,855,452$370,339$0$23,901,905
97$44,909,087$274,864$0$26,251,620
98$49,372,613$171,132$0$28,839,238
99$54,287,727$58,625$0$31,689,019
100$59,700,374$0$0$34,827,700