Can I retire at age 52 with 868,000?

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 $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%12.7%
1 years$71,679$71,040$70,417$69,809$69,216$68,436
2 years$35,484$34,824$34,183$33,562$32,960$32,175
3 years$23,421$22,758$22,119$21,504$20,911$20,145
4 years$17,391$16,729$16,097$15,492$14,914$14,173
5 years$13,774$13,116$12,492$11,899$11,337$10,624
6 years$11,363$10,710$10,095$9,516$8,971$8,285
7 years$9,642$8,994$8,389$7,824$7,296$6,639
8 years$8,351$7,710$7,115$6,563$6,052$5,424
9 years$7,348$6,713$6,128$5,590$5,097$4,496
10 years$6,546$5,917$5,342$4,819$4,343$3,770
11 years$5,890$5,268$4,703$4,194$3,735$3,189
12 years$5,344$4,728$4,174$3,679$3,237$2,717
13 years$4,883$4,273$3,729$3,248$2,823$2,329
14 years$4,487$3,884$3,351$2,883$2,474$2,006
15 years$4,145$3,548$3,025$2,571$2,178$1,735
16 years$3,846$3,255$2,743$2,302$1,925$1,506
17 years$3,582$2,998$2,496$2,068$1,707$1,310
18 years$3,348$2,770$2,278$1,864$1,518$1,143
19 years$3,138$2,567$2,086$1,684$1,353$1,000
20 years$2,950$2,386$1,914$1,525$1,208$876
21 years$2,780$2,222$1,761$1,384$1,081$768
22 years$2,626$2,074$1,623$1,259$969$675
23 years$2,485$1,940$1,498$1,146$870$594
24 years$2,356$1,818$1,386$1,046$782$523
25 years$2,238$1,706$1,283$955$704$461
26 years$2,129$1,603$1,190$873$634$406
27 years$2,028$1,509$1,105$799$572$359
28 years$1,935$1,422$1,028$732$516$317
29 years$1,848$1,341$956$671$466$280
30 years$1,767$1,267$891$616$421$247
31 years$1,691$1,197$830$566$380$219
32 years$1,621$1,133$775$520$344$194
33 years$1,554$1,073$723$478$311$171
34 years$1,492$1,017$676$440$282$152
35 years$1,434$965$632$405$255$134
36 years$1,379$915$591$373$231$119
37 years$1,327$870$553$344$210$105
38 years$1,277$826$518$317$190$93
39 years$1,231$786$485$292$172$83
40 years$1,187$748$455$269$156$73
41 years$1,145$712$427$249$142$65
42 years$1,105$678$400$229$129$58
43 years$1,067$646$376$212$117$51
44 years$1,031$616$353$196$106$45
45 years$997$587$331$181$96$40
46 years$964$560$311$167$87$36
47 years$933$534$292$154$79$32
48 years$903$510$274$142$72$28
49 years$875$487$258$132$65$25
50 years$847$465$243$122$59$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $868,000, adding $5,263 every year, while hoping to spend $50,081 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: 49/27/24 Blend
51$868,000$868,000$868,000$868,000
52$961,965$915,961$902,507$1,002,340
53$1,006,799$907,557$879,455$1,022,636
54$1,054,529$897,063$853,952$1,039,230
55$1,105,395$884,323$825,864$1,056,245
56$1,159,664$869,174$795,049$1,073,742
57$1,217,626$851,440$761,359$1,091,792
58$1,279,599$830,936$724,641$1,110,477
59$1,345,934$807,468$684,732$1,129,891
60$1,417,014$780,828$641,465$1,150,139
61$1,493,258$750,797$594,663$1,171,344
62$1,575,128$717,144$544,142$1,193,642
63$1,663,130$679,623$489,709$1,217,191
64$1,757,819$637,974$431,164$1,242,166
65$1,859,805$591,923$368,297$1,268,769
66$1,969,759$541,181$300,888$1,297,223
67$2,088,415$485,441$228,710$1,327,784
68$2,216,584$424,378$151,522$1,360,737
69$2,355,153$357,650$69,075$1,396,402
70$2,505,100$284,895$0$1,435,142
71$2,667,497$205,732$0$1,482,201
72$2,843,525$119,756$0$1,552,383
73$3,034,482$26,542$0$1,628,560
74$3,241,796$0$0$1,711,375
75$3,467,036$0$0$1,823,634
76$3,711,930$0$0$1,954,344
77$3,978,378$0$0$2,096,645
78$4,268,470$0$0$2,251,663
79$4,584,507$0$0$2,420,640
80$4,929,021$0$0$2,604,941
81$5,304,797$0$0$2,806,069
82$5,714,901$0$0$3,025,677
83$6,162,711$0$0$3,265,587
84$6,651,941$0$0$3,527,804
85$7,186,683$0$0$3,814,534
86$7,771,440$0$0$4,128,208
87$8,411,172$0$0$4,471,502
88$9,111,337$0$0$4,847,361
89$9,877,950$0$0$5,259,030
90$10,717,631$0$0$5,710,083
91$11,637,672$0$0$6,204,454
92$12,646,102$0$0$6,746,477
93$13,751,765$0$0$7,340,925
94$14,964,403$0$0$7,993,055
95$16,294,744$0$0$8,708,659
96$17,754,604$0$0$9,494,114
97$19,357,001$0$0$10,356,446
98$21,116,273$0$0$11,303,395
99$23,048,213$0$0$12,343,486
100$25,170,220$0$0$13,486,112