Can I retire at age 52 with 867,000?

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 $867,000?

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$71,596$70,958$70,336$69,729$69,136$68,758
2 years$35,444$34,783$34,144$33,523$32,922$32,540
3 years$23,394$22,731$22,093$21,479$20,887$20,514
4 years$17,371$16,710$16,078$15,474$14,897$14,535
5 years$13,758$13,101$12,477$11,886$11,324$10,975
6 years$11,350$10,698$10,084$9,505$8,961$8,624
7 years$9,631$8,984$8,379$7,815$7,287$6,964
8 years$8,342$7,701$7,106$6,556$6,046$5,735
9 years$7,340$6,705$6,121$5,584$5,091$4,793
10 years$6,539$5,910$5,336$4,813$4,338$4,053
11 years$5,884$5,261$4,698$4,189$3,731$3,458
12 years$5,338$4,722$4,169$3,674$3,233$2,973
13 years$4,877$4,268$3,725$3,244$2,819$2,571
14 years$4,482$3,879$3,347$2,880$2,471$2,235
15 years$4,140$3,544$3,022$2,568$2,176$1,951
16 years$3,841$3,251$2,740$2,299$1,923$1,709
17 years$3,578$2,994$2,493$2,066$1,705$1,502
18 years$3,344$2,767$2,276$1,862$1,516$1,324
19 years$3,135$2,564$2,083$1,682$1,351$1,169
20 years$2,947$2,383$1,912$1,524$1,207$1,035
21 years$2,777$2,220$1,759$1,383$1,080$917
22 years$2,623$2,072$1,621$1,257$968$814
23 years$2,482$1,938$1,497$1,145$869$724
24 years$2,353$1,816$1,384$1,044$781$644
25 years$2,235$1,704$1,282$954$703$574
26 years$2,126$1,601$1,189$872$633$512
27 years$2,026$1,507$1,104$798$571$457
28 years$1,932$1,420$1,026$731$515$408
29 years$1,846$1,340$955$671$465$365
30 years$1,765$1,265$890$616$420$326
31 years$1,689$1,196$829$565$380$292
32 years$1,619$1,132$774$520$344$261
33 years$1,553$1,072$723$478$311$234
34 years$1,491$1,016$675$440$282$209
35 years$1,432$963$631$405$255$188
36 years$1,377$914$590$373$231$168
37 years$1,325$868$553$343$209$151
38 years$1,276$825$518$316$190$135
39 years$1,229$785$485$292$172$121
40 years$1,185$747$454$269$156$109
41 years$1,144$711$426$248$142$98
42 years$1,104$677$400$229$129$88
43 years$1,066$645$375$212$117$79
44 years$1,030$615$352$195$106$71
45 years$996$586$331$180$96$63
46 years$963$559$311$167$87$57
47 years$932$534$292$154$79$51
48 years$902$510$274$142$72$46
49 years$874$487$258$131$65$41
50 years$846$465$242$122$59$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $867,000, adding $3,996 every year, while hoping to spend $51,334 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: 40/46/14 Blend
51$867,000$867,000$867,000$867,000
52$959,556$913,605$900,166$993,788
53$1,002,812$903,753$875,703$1,008,557
54$1,048,759$891,697$848,700$1,019,203
55$1,097,618$877,276$819,017$1,029,608
56$1,149,630$860,318$786,509$1,039,773
57$1,205,060$840,640$751,024$1,049,705
58$1,264,195$818,051$712,403$1,059,416
59$1,327,353$792,345$670,478$1,068,923
60$1,394,881$763,308$625,077$1,078,249
61$1,467,159$730,710$576,017$1,087,427
62$1,544,604$694,310$523,109$1,096,495
63$1,627,674$653,852$466,154$1,105,503
64$1,716,872$609,065$404,944$1,114,513
65$1,812,747$559,664$339,265$1,123,599
66$1,915,906$505,346$268,888$1,132,847
67$2,027,011$445,791$193,580$1,142,364
68$2,146,794$380,663$113,092$1,152,272
69$2,276,055$309,603$27,168$1,162,715
70$2,415,674$232,235$0$1,173,861
71$2,566,620$148,162$0$1,195,543
72$2,729,956$56,962$0$1,223,303
73$2,906,850$0$0$1,253,380
74$3,098,588$0$0$1,307,276
75$3,306,584$0$0$1,397,115
76$3,532,391$0$0$1,494,747
77$3,777,719$0$0$1,600,924
78$4,044,449$0$0$1,716,474
79$4,334,650$0$0$1,842,305
80$4,650,598$0$0$1,979,420
81$4,994,798$0$0$2,128,921
82$5,370,006$0$0$2,292,020
83$5,779,256$0$0$2,470,052
84$6,225,887$0$0$2,664,487
85$6,713,574$0$0$2,876,944
86$7,246,364$0$0$3,109,202
87$7,828,711$0$0$3,363,223
88$8,465,518$0$0$3,641,166
89$9,162,185$0$0$3,945,408
90$9,924,658$0$0$4,278,568
91$10,759,483$0$0$4,643,528
92$11,673,869$0$0$5,043,463
93$12,675,756$0$0$5,481,869
94$13,773,886$0$0$5,962,599
95$14,977,889$0$0$6,489,892
96$16,298,372$0$0$7,068,421
97$17,747,014$0$0$7,703,332
98$19,336,684$0$0$8,400,293
99$21,081,554$0$0$9,165,547
100$22,997,235$0$0$10,005,972