Can I retire at age 52 with 866,000?

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 $866,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$71,513$70,876$70,255$69,648$69,056$66,290
2 years$35,403$34,743$34,104$33,485$32,884$30,132
3 years$23,367$22,705$22,068$21,454$20,863$18,212
4 years$17,351$16,691$16,060$15,456$14,880$12,349
5 years$13,742$13,086$12,463$11,872$11,311$8,908
6 years$11,337$10,685$10,072$9,494$8,950$6,676
7 years$9,619$8,974$8,370$7,806$7,279$5,132
8 years$8,332$7,692$7,098$6,548$6,039$4,018
9 years$7,331$6,697$6,114$5,577$5,085$3,187
10 years$6,531$5,903$5,330$4,808$4,333$2,554
11 years$5,877$5,255$4,693$4,184$3,726$2,062
12 years$5,332$4,717$4,165$3,670$3,229$1,675
13 years$4,871$4,263$3,721$3,240$2,816$1,367
14 years$4,477$3,875$3,343$2,876$2,468$1,120
15 years$4,135$3,540$3,018$2,565$2,173$920
16 years$3,837$3,248$2,737$2,297$1,921$758
17 years$3,574$2,991$2,490$2,064$1,703$626
18 years$3,340$2,764$2,273$1,860$1,514$517
19 years$3,131$2,561$2,081$1,680$1,350$428
20 years$2,943$2,380$1,910$1,522$1,206$355
21 years$2,774$2,217$1,757$1,381$1,079$295
22 years$2,620$2,070$1,619$1,256$967$245
23 years$2,479$1,936$1,495$1,144$868$203
24 years$2,351$1,814$1,383$1,043$780$169
25 years$2,233$1,702$1,281$953$702$140
26 years$2,124$1,599$1,188$871$632$117
27 years$2,023$1,505$1,103$797$570$97
28 years$1,930$1,418$1,025$731$515$81
29 years$1,843$1,338$954$670$465$67
30 years$1,763$1,264$889$615$420$56
31 years$1,687$1,195$828$565$380$47
32 years$1,617$1,130$773$519$343$39
33 years$1,551$1,070$722$477$311$32
34 years$1,489$1,015$674$439$281$27
35 years$1,430$962$630$404$255$22
36 years$1,375$913$590$372$231$19
37 years$1,323$867$552$343$209$16
38 years$1,274$824$517$316$190$13
39 years$1,228$784$484$291$172$11
40 years$1,184$746$454$269$156$9
41 years$1,142$710$426$248$142$8
42 years$1,103$676$399$229$128$6
43 years$1,065$644$375$211$117$5
44 years$1,029$614$352$195$106$4
45 years$995$586$330$180$96$4
46 years$962$559$310$166$87$3
47 years$931$533$291$154$79$3
48 years$901$509$274$142$72$2
49 years$873$486$257$131$65$2
50 years$846$464$242$121$59$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $866,000, adding $5,864 every year, while hoping to spend $52,331 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: 23/47/30 Blend
51$866,000$866,000$866,000$866,000
52$960,381$914,483$901,060$973,317
53$1,002,660$903,613$875,565$974,259
54$1,047,497$890,456$847,463$970,523
55$1,095,099$874,845$816,610$965,429
56$1,145,690$856,604$782,858$958,898
57$1,199,517$835,543$746,050$950,854
58$1,256,848$811,466$706,023$941,216
59$1,317,979$784,160$662,607$929,903
60$1,383,233$753,403$615,624$916,830
61$1,452,963$718,961$564,888$901,915
62$1,527,558$680,583$510,204$885,073
63$1,607,443$638,005$451,370$866,218
64$1,693,084$590,950$388,174$845,267
65$1,784,995$539,122$320,393$822,133
66$1,883,735$482,210$247,797$796,736
67$1,989,922$419,884$170,144$768,994
68$2,104,232$351,796$87,182$738,829
69$2,227,409$277,580$0$706,166
70$2,360,269$196,846$0$671,370
71$2,503,710$109,185$0$663,753
72$2,658,716$14,162$0$655,415
73$2,826,371$0$0$646,405
74$3,007,866$0$0$682,647
75$3,204,509$0$0$729,977
76$3,417,740$0$0$781,432
77$3,649,141$0$0$837,411
78$3,900,453$0$0$898,352
79$4,173,590$0$0$964,738
80$4,470,659$0$0$1,037,100
81$4,793,977$0$0$1,116,024
82$5,146,094$0$0$1,202,151
83$5,529,815$0$0$1,296,190
84$5,948,229$0$0$1,398,921
85$6,404,733$0$0$1,511,202
86$6,903,069$0$0$1,633,978
87$7,447,355$0$0$1,768,289
88$8,042,123$0$0$1,915,280
89$8,692,364$0$0$2,076,214
90$9,403,574$0$0$2,252,478
91$10,181,801$0$0$2,445,602
92$11,033,707$0$0$2,657,272
93$11,966,630$0$0$2,889,341
94$12,988,646$0$0$3,143,854
95$14,108,652$0$0$3,423,061
96$15,336,447$0$0$3,729,441
97$16,682,821$0$0$4,065,724
98$18,159,660$0$0$4,434,919
99$19,780,055$0$0$4,840,338
100$21,558,426$0$0$5,285,630