Can I retire at age 52 with 850,000?

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 $850,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$70,192$69,567$68,957$68,362$67,780$65,220
2 years$34,749$34,101$33,474$32,866$32,276$29,726
3 years$22,936$22,286$21,660$21,058$20,477$18,018
4 years$17,030$16,382$15,763$15,171$14,605$12,255
5 years$13,488$12,844$12,233$11,653$11,102$8,868
6 years$11,127$10,488$9,886$9,319$8,785$6,668
7 years$9,442$8,808$8,215$7,661$7,144$5,144
8 years$8,178$7,550$6,967$6,427$5,927$4,041
9 years$7,196$6,574$6,001$5,474$4,991$3,218
10 years$6,410$5,794$5,232$4,719$4,253$2,588
11 years$5,768$5,158$4,606$4,107$3,658$2,098
12 years$5,234$4,630$4,088$3,602$3,170$1,711
13 years$4,781$4,184$3,652$3,180$2,764$1,402
14 years$4,394$3,803$3,281$2,823$2,423$1,153
15 years$4,059$3,474$2,963$2,518$2,133$952
16 years$3,766$3,188$2,686$2,254$1,885$788
17 years$3,507$2,936$2,444$2,026$1,672$653
18 years$3,278$2,713$2,231$1,825$1,486$542
19 years$3,073$2,514$2,043$1,649$1,325$451
20 years$2,889$2,336$1,875$1,494$1,183$376
21 years$2,722$2,176$1,724$1,356$1,059$313
22 years$2,571$2,031$1,589$1,233$949$261
23 years$2,433$1,900$1,467$1,123$852$218
24 years$2,307$1,780$1,357$1,024$766$182
25 years$2,191$1,670$1,257$935$689$152
26 years$2,085$1,570$1,166$855$621$127
27 years$1,986$1,478$1,082$783$560$106
28 years$1,894$1,392$1,006$717$505$89
29 years$1,809$1,313$936$658$456$74
30 years$1,730$1,240$872$603$412$62
31 years$1,656$1,173$813$554$373$52
32 years$1,587$1,109$759$509$337$44
33 years$1,522$1,051$708$468$305$36
34 years$1,461$996$662$431$276$31
35 years$1,404$945$619$397$250$26
36 years$1,350$897$579$365$227$21
37 years$1,299$851$542$337$205$18
38 years$1,251$809$507$310$186$15
39 years$1,205$769$475$286$169$13
40 years$1,162$732$446$264$153$11
41 years$1,121$697$418$243$139$9
42 years$1,082$664$392$225$126$7
43 years$1,045$632$368$207$114$6
44 years$1,010$603$345$192$104$5
45 years$976$575$324$177$94$4
46 years$944$548$304$163$86$4
47 years$914$523$286$151$78$3
48 years$885$500$269$139$71$3
49 years$857$477$253$129$64$2
50 years$830$456$238$119$58$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $850,000, adding $4,178 every year, while hoping to spend $21,748 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: 27/50/23 Blend
51$850,000$850,000$850,000$850,000
52$941,010$895,960$882,785$959,504
53$1,013,853$916,722$889,218$995,237
54$1,093,397$937,773$895,138$1,031,396
55$1,180,303$959,103$900,505$1,069,763
56$1,275,298$980,703$905,276$1,110,537
57$1,379,183$1,002,562$909,407$1,153,941
58$1,492,838$1,024,666$912,851$1,200,220
59$1,617,235$1,047,002$915,559$1,249,643
60$1,753,443$1,069,555$917,480$1,302,508
61$1,902,638$1,092,307$918,559$1,359,144
62$2,066,117$1,115,240$918,741$1,419,913
63$2,245,308$1,138,333$917,965$1,485,215
64$2,441,781$1,161,564$916,169$1,555,491
65$2,657,270$1,184,908$913,288$1,631,227
66$2,893,681$1,208,338$909,253$1,712,962
67$3,153,115$1,231,825$903,992$1,801,288
68$3,437,887$1,255,338$897,429$1,896,858
69$3,750,544$1,278,843$889,486$2,000,396
70$4,093,895$1,302,301$880,079$2,112,696
71$4,471,033$1,325,675$869,122$2,234,638
72$4,885,365$1,348,920$856,525$2,367,192
73$5,340,645$1,371,990$842,191$2,511,428
74$5,841,009$1,394,835$826,022$2,668,526
75$6,391,011$1,417,401$807,913$2,839,788
76$6,995,672$1,439,631$787,756$3,026,653
77$7,660,520$1,461,463$765,435$3,230,706
78$8,391,649$1,482,830$740,833$3,453,697
79$9,195,770$1,503,662$713,824$3,697,556
80$10,080,278$1,523,881$684,277$3,964,412
81$11,053,323$1,543,408$652,056$4,256,615
82$12,123,881$1,562,154$617,020$4,576,756
83$13,301,844$1,580,027$579,017$4,927,696
84$14,598,112$1,596,927$537,894$5,312,586
85$16,024,692$1,612,750$493,486$5,734,908
86$17,594,817$1,627,381$445,624$6,198,497
87$19,323,067$1,640,701$394,131$6,707,588
88$21,225,505$1,652,581$338,820$7,266,848
89$23,319,834$1,662,885$279,498$7,881,427
90$25,625,559$1,671,467$215,962$8,557,004
91$28,164,171$1,678,174$148,002$9,299,843
92$30,959,352$1,682,841$75,397$10,116,852
93$34,037,200$1,685,294$0$11,015,649
94$37,426,467$1,685,346$0$12,005,148
95$41,158,840$1,682,801$0$13,113,881
96$45,269,233$1,677,450$0$14,333,604
97$49,796,121$1,669,071$0$15,675,647
98$54,781,898$1,657,429$0$17,152,501
99$60,273,282$1,642,273$0$18,777,934
100$66,321,751$1,623,338$0$20,567,124