Can I retire at age 52 with 868,000?

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 $868,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$71,679$71,040$70,417$69,809$69,216$67,487
2 years$35,484$34,824$34,183$33,562$32,960$31,230
3 years$23,421$22,758$22,119$21,504$20,911$19,233
4 years$17,391$16,729$16,097$15,492$14,914$13,301
5 years$13,774$13,116$12,492$11,899$11,337$9,794
6 years$11,363$10,710$10,095$9,516$8,971$7,498
7 years$9,642$8,994$8,389$7,824$7,296$5,895
8 years$8,351$7,710$7,115$6,563$6,052$4,722
9 years$7,348$6,713$6,128$5,590$5,097$3,836
10 years$6,546$5,917$5,342$4,819$4,343$3,150
11 years$5,890$5,268$4,703$4,194$3,735$2,608
12 years$5,344$4,728$4,174$3,679$3,237$2,174
13 years$4,883$4,273$3,729$3,248$2,823$1,822
14 years$4,487$3,884$3,351$2,883$2,474$1,534
15 years$4,145$3,548$3,025$2,571$2,178$1,296
16 years$3,846$3,255$2,743$2,302$1,925$1,098
17 years$3,582$2,998$2,496$2,068$1,707$933
18 years$3,348$2,770$2,278$1,864$1,518$794
19 years$3,138$2,567$2,086$1,684$1,353$677
20 years$2,950$2,386$1,914$1,525$1,208$578
21 years$2,780$2,222$1,761$1,384$1,081$494
22 years$2,626$2,074$1,623$1,259$969$423
23 years$2,485$1,940$1,498$1,146$870$362
24 years$2,356$1,818$1,386$1,046$782$311
25 years$2,238$1,706$1,283$955$704$267
26 years$2,129$1,603$1,190$873$634$229
27 years$2,028$1,509$1,105$799$572$197
28 years$1,935$1,422$1,028$732$516$169
29 years$1,848$1,341$956$671$466$145
30 years$1,767$1,267$891$616$421$125
31 years$1,691$1,197$830$566$380$107
32 years$1,621$1,133$775$520$344$92
33 years$1,554$1,073$723$478$311$79
34 years$1,492$1,017$676$440$282$68
35 years$1,434$965$632$405$255$59
36 years$1,379$915$591$373$231$51
37 years$1,327$870$553$344$210$44
38 years$1,277$826$518$317$190$37
39 years$1,231$786$485$292$172$32
40 years$1,187$748$455$269$156$28
41 years$1,145$712$427$249$142$24
42 years$1,105$678$400$229$129$21
43 years$1,067$646$376$212$117$18
44 years$1,031$616$353$196$106$15
45 years$997$587$331$181$96$13
46 years$964$560$311$167$87$11
47 years$933$534$292$154$79$10
48 years$903$510$274$142$72$8
49 years$875$487$258$132$65$7
50 years$847$465$243$122$59$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $868,000, adding $5,289 every year, while hoping to spend $26,826 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: 61/24/15 Blend
51$868,000$868,000$868,000$868,000
52$961,992$915,988$902,534$1,016,763
53$1,031,572$932,328$904,226$1,070,599
54$1,107,351$948,571$905,076$1,125,831
55$1,189,931$964,681$905,027$1,185,465
56$1,279,978$980,625$904,019$1,249,930
57$1,378,224$996,363$901,991$1,319,698
58$1,485,472$1,011,855$898,877$1,395,290
59$1,602,610$1,027,055$894,610$1,477,281
60$1,730,613$1,041,918$889,116$1,566,303
61$1,870,555$1,056,391$882,321$1,663,053
62$2,023,619$1,070,422$874,146$1,768,302
63$2,191,107$1,083,951$864,508$1,882,897
64$2,374,453$1,096,917$853,322$2,007,773
65$2,575,235$1,109,254$840,497$2,143,960
66$2,795,192$1,120,891$825,937$2,292,596
67$3,036,240$1,131,753$809,544$2,454,932
68$3,300,487$1,141,759$791,214$2,632,351
69$3,590,255$1,150,824$770,838$2,826,375
70$3,908,102$1,158,856$748,302$3,038,684
71$4,256,847$1,165,758$723,489$3,271,129
72$4,639,593$1,171,427$696,273$3,525,750
73$5,059,758$1,175,754$666,524$3,804,799
74$5,521,107$1,178,620$634,107$4,110,756
75$6,027,790$1,179,903$598,880$4,446,356
76$6,584,376$1,179,469$560,694$4,814,616
77$7,195,899$1,177,180$519,393$5,218,860
78$7,867,905$1,172,885$474,817$5,662,753
79$8,606,502$1,166,428$426,795$6,150,337
80$9,418,423$1,157,641$375,150$6,686,068
81$10,311,083$1,146,346$319,698$7,274,855
82$11,292,652$1,132,355$260,246$7,922,116
83$12,372,130$1,115,468$196,592$8,633,818
84$13,559,435$1,095,474$128,526$9,416,543
85$14,865,494$1,072,149$55,829$10,277,545
86$16,302,346$1,045,255$0$11,224,823
87$17,883,254$1,014,542$0$12,270,674
88$19,622,834$979,742$0$13,431,097
89$21,537,189$940,576$0$14,707,902
90$23,644,062$896,744$0$16,112,940
91$25,963,004$847,932$0$17,659,275
92$28,515,557$793,806$0$19,361,303
93$31,325,456$734,015$0$21,234,891
94$34,418,856$668,185$0$23,297,527
95$37,824,576$595,923$0$25,568,484
96$41,574,372$516,813$0$28,069,003
97$45,703,235$430,414$0$30,822,497
98$50,249,724$336,263$0$33,854,766
99$55,256,323$233,868$0$37,194,248
100$60,769,852$122,711$0$40,872,282