Can I retire at age 52 with 869,000?

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 $869,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$71,761$71,122$70,498$69,890$69,295$67,320
2 years$35,525$34,864$34,223$33,601$32,998$31,023
3 years$23,448$22,784$22,144$21,528$20,935$19,023
4 years$17,411$16,749$16,115$15,510$14,931$13,096
5 years$13,790$13,131$12,506$11,913$11,350$9,597
6 years$11,376$10,722$10,107$9,527$8,981$7,312
7 years$9,653$9,005$8,399$7,833$7,304$5,719
8 years$8,361$7,719$7,123$6,571$6,059$4,557
9 years$7,357$6,721$6,135$5,597$5,103$3,682
10 years$6,554$5,924$5,349$4,824$4,348$3,006
11 years$5,897$5,274$4,709$4,199$3,739$2,475
12 years$5,350$4,733$4,179$3,683$3,240$2,051
13 years$4,888$4,278$3,734$3,251$2,826$1,708
14 years$4,492$3,888$3,355$2,886$2,477$1,429
15 years$4,150$3,552$3,029$2,574$2,181$1,200
16 years$3,850$3,259$2,746$2,305$1,928$1,010
17 years$3,586$3,001$2,499$2,071$1,709$852
18 years$3,351$2,773$2,281$1,866$1,520$721
19 years$3,142$2,570$2,088$1,686$1,355$610
20 years$2,953$2,388$1,916$1,527$1,210$518
21 years$2,783$2,225$1,763$1,386$1,083$440
22 years$2,629$2,077$1,625$1,260$970$374
23 years$2,488$1,942$1,500$1,148$871$318
24 years$2,359$1,820$1,387$1,047$783$271
25 years$2,240$1,708$1,285$956$705$230
26 years$2,131$1,605$1,192$874$635$196
27 years$2,030$1,511$1,107$800$572$167
28 years$1,937$1,423$1,029$733$516$143
29 years$1,850$1,343$957$672$466$122
30 years$1,769$1,268$892$617$421$104
31 years$1,693$1,199$831$567$381$89
32 years$1,623$1,134$776$521$345$76
33 years$1,556$1,074$724$479$312$65
34 years$1,494$1,018$677$441$282$55
35 years$1,435$966$633$406$256$47
36 years$1,380$917$592$374$232$40
37 years$1,328$871$554$344$210$34
38 years$1,279$827$519$317$190$29
39 years$1,232$787$486$292$173$25
40 years$1,188$748$456$270$157$21
41 years$1,146$712$427$249$142$18
42 years$1,106$679$401$230$129$16
43 years$1,069$646$376$212$117$13
44 years$1,032$616$353$196$106$11
45 years$998$588$331$181$96$10
46 years$965$561$311$167$88$8
47 years$934$535$292$154$79$7
48 years$904$511$275$143$72$6
49 years$876$488$258$132$66$5
50 years$848$466$243$122$60$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $869,000, adding $4,936 every year, while hoping to spend $27,629 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: 48/46/6 Blend
51$869,000$869,000$869,000$869,000
52$962,729$916,672$903,203$1,007,210
53$1,031,531$932,192$904,063$1,053,681
54$1,106,424$947,547$904,026$1,100,771
55$1,188,001$962,698$903,033$1,151,242
56$1,276,914$977,607$901,021$1,205,415
57$1,373,879$992,230$897,926$1,263,644
58$1,479,687$1,006,521$893,678$1,326,322
59$1,595,205$1,020,431$888,207$1,393,879
60$1,721,391$1,033,908$881,437$1,466,792
61$1,859,298$1,046,894$873,290$1,545,584
62$2,010,084$1,059,329$863,683$1,630,837
63$2,175,026$1,071,150$852,530$1,723,187
64$2,355,530$1,082,288$839,740$1,823,340
65$2,553,142$1,092,668$825,220$1,932,074
66$2,769,568$1,102,214$808,870$2,050,245
67$3,006,683$1,110,841$790,586$2,178,801
68$3,266,554$1,118,462$770,261$2,318,784
69$3,551,458$1,124,982$747,779$2,471,347
70$3,863,901$1,130,300$723,024$2,637,760
71$4,206,644$1,134,310$695,871$2,819,424
72$4,582,728$1,136,898$666,189$3,017,885
73$4,995,504$1,137,944$633,844$3,234,848
74$5,448,662$1,137,319$598,694$3,472,196
75$5,946,265$1,134,887$560,590$3,732,002
76$6,492,791$1,130,505$519,377$4,016,557
77$7,093,174$1,124,017$474,894$4,328,386
78$7,752,846$1,115,263$426,972$4,670,273
79$8,477,795$1,104,068$375,433$5,045,292
80$9,274,614$1,090,252$320,094$5,456,831
81$10,150,569$1,073,618$260,762$5,908,628
82$11,113,664$1,053,963$197,235$6,404,806
83$12,172,720$1,031,069$129,304$6,949,911
84$13,337,451$1,004,705$56,749$7,548,959
85$14,618,562$974,627$0$8,207,480
86$16,027,849$940,577$0$8,932,898
87$17,578,306$902,282$0$9,734,578
88$19,284,252$859,452$0$10,616,319
89$21,161,462$811,782$0$11,586,317
90$23,227,320$758,948$0$12,653,611
91$25,500,977$700,608$0$13,828,167
92$28,003,539$636,399$0$15,120,973
93$30,758,258$565,941$0$16,544,146
94$33,790,757$488,828$0$18,111,044
95$37,129,268$404,635$0$19,836,394
96$40,804,900$312,909$0$21,736,434
97$44,851,933$213,175$0$23,829,067
98$49,308,139$104,929$0$26,134,031
99$54,215,139$0$0$28,673,084
100$59,618,797$0$0$31,476,473