Can I retire at age 52 with 866,000?

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 $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%19%
1 years$71,513$70,876$70,255$69,648$69,056$66,553
2 years$35,403$34,743$34,104$33,485$32,884$30,389
3 years$23,367$22,705$22,068$21,454$20,863$18,456
4 years$17,351$16,691$16,060$15,456$14,880$12,578
5 years$13,742$13,086$12,463$11,872$11,311$9,121
6 years$11,337$10,685$10,072$9,494$8,950$6,873
7 years$9,619$8,974$8,370$7,806$7,279$5,315
8 years$8,332$7,692$7,098$6,548$6,039$4,185
9 years$7,331$6,697$6,114$5,577$5,085$3,340
10 years$6,531$5,903$5,330$4,808$4,333$2,693
11 years$5,877$5,255$4,693$4,184$3,726$2,189
12 years$5,332$4,717$4,165$3,670$3,229$1,790
13 years$4,871$4,263$3,721$3,240$2,816$1,471
14 years$4,477$3,875$3,343$2,876$2,468$1,214
15 years$4,135$3,540$3,018$2,565$2,173$1,004
16 years$3,837$3,248$2,737$2,297$1,921$833
17 years$3,574$2,991$2,490$2,064$1,703$693
18 years$3,340$2,764$2,273$1,860$1,514$577
19 years$3,131$2,561$2,081$1,680$1,350$482
20 years$2,943$2,380$1,910$1,522$1,206$402
21 years$2,774$2,217$1,757$1,381$1,079$336
22 years$2,620$2,070$1,619$1,256$967$281
23 years$2,479$1,936$1,495$1,144$868$236
24 years$2,351$1,814$1,383$1,043$780$197
25 years$2,233$1,702$1,281$953$702$166
26 years$2,124$1,599$1,188$871$632$139
27 years$2,023$1,505$1,103$797$570$116
28 years$1,930$1,418$1,025$731$515$98
29 years$1,843$1,338$954$670$465$82
30 years$1,763$1,264$889$615$420$69
31 years$1,687$1,195$828$565$380$58
32 years$1,617$1,130$773$519$343$49
33 years$1,551$1,070$722$477$311$41
34 years$1,489$1,015$674$439$281$34
35 years$1,430$962$630$404$255$29
36 years$1,375$913$590$372$231$24
37 years$1,323$867$552$343$209$20
38 years$1,274$824$517$316$190$17
39 years$1,228$784$484$291$172$14
40 years$1,184$746$454$269$156$12
41 years$1,142$710$426$248$142$10
42 years$1,103$676$399$229$128$8
43 years$1,065$644$375$211$117$7
44 years$1,029$614$352$195$106$6
45 years$995$586$330$180$96$5
46 years$962$559$310$166$87$4
47 years$931$533$291$154$79$4
48 years$901$509$274$142$72$3
49 years$873$486$257$131$65$3
50 years$846$464$242$121$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $866,000, adding $6,962 every year, while hoping to spend $59,237 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: 71/13/16 Blend
51$866,000$866,000$866,000$866,000
52$961,513$915,615$902,192$1,025,752
53$996,560$897,453$869,388$1,051,180
54$1,033,196$876,415$833,499$1,071,208
55$1,071,521$852,298$794,361$1,091,606
56$1,111,643$824,887$751,798$1,112,400
57$1,153,678$793,954$705,631$1,133,620
58$1,197,753$759,258$655,670$1,155,301
59$1,244,005$720,544$601,716$1,177,484
60$1,292,584$677,540$543,564$1,200,213
61$1,343,651$629,963$480,997$1,223,543
62$1,397,383$577,510$413,789$1,247,531
63$1,453,970$519,863$341,706$1,272,246
64$1,513,622$456,683$264,500$1,297,764
65$1,576,566$387,615$181,915$1,324,173
66$1,643,050$312,282$93,683$1,351,570
67$1,713,344$230,287$0$1,380,067
68$1,787,742$141,209$0$1,409,872
69$1,866,569$44,604$0$1,458,116
70$1,950,174$0$0$1,509,002
71$2,038,943$0$0$1,571,344
72$2,133,298$0$0$1,644,414
73$2,233,697$0$0$1,722,190
74$2,340,646$0$0$1,805,065
75$2,454,695$0$0$1,893,471
76$2,576,449$0$0$1,987,879
77$2,706,571$0$0$2,088,808
78$2,845,786$0$0$2,196,823
79$2,994,889$0$0$2,312,546
80$3,154,755$0$0$2,436,661
81$3,326,340$0$0$2,569,914
82$3,510,695$0$0$2,713,128
83$3,708,974$0$0$2,867,204
84$3,922,444$0$0$3,033,131
85$4,152,495$0$0$3,211,998
86$4,400,655$0$0$3,404,998
87$4,668,602$0$0$3,613,443
88$4,958,181$0$0$3,838,775
89$5,271,418$0$0$4,082,580
90$5,610,542$0$0$4,346,598
91$5,978,003$0$0$4,632,745
92$6,376,492$0$0$4,943,127
93$6,808,972$0$0$5,280,061
94$7,278,701$0$0$5,646,092
95$7,789,261$0$0$6,044,024
96$8,344,595$0$0$6,476,939
97$8,949,039$0$0$6,948,229
98$9,607,364$0$0$7,461,625
99$10,324,824$0$0$8,021,235
100$11,107,195$0$0$8,631,579