Can I retire at age 52 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$70,357$69,731$69,119$68,522$67,940$66,980
2 years$34,830$34,182$33,553$32,943$32,352$31,387
3 years$22,990$22,338$21,711$21,107$20,526$19,585
4 years$17,070$16,421$15,800$15,207$14,639$13,730
5 years$13,520$12,874$12,262$11,680$11,128$10,254
6 years$11,153$10,513$9,909$9,341$8,805$7,967
7 years$9,464$8,829$8,235$7,679$7,161$6,359
8 years$8,197$7,568$6,984$6,442$5,941$5,174
9 years$7,213$6,589$6,015$5,487$5,003$4,272
10 years$6,425$5,808$5,244$4,730$4,263$3,566
11 years$5,782$5,170$4,617$4,117$3,666$3,004
12 years$5,246$4,641$4,097$3,611$3,177$2,548
13 years$4,793$4,194$3,661$3,188$2,770$2,174
14 years$4,405$3,812$3,289$2,830$2,429$1,864
15 years$4,068$3,482$2,970$2,524$2,138$1,604
16 years$3,775$3,195$2,692$2,260$1,890$1,385
17 years$3,516$2,943$2,450$2,030$1,676$1,200
18 years$3,286$2,719$2,236$1,830$1,490$1,042
19 years$3,080$2,520$2,047$1,653$1,328$906
20 years$2,896$2,342$1,879$1,497$1,186$790
21 years$2,729$2,181$1,728$1,359$1,062$689
22 years$2,577$2,036$1,593$1,236$951$602
23 years$2,439$1,904$1,471$1,125$854$527
24 years$2,313$1,784$1,360$1,026$768$461
25 years$2,197$1,674$1,260$937$691$404
26 years$2,090$1,574$1,168$857$622$355
27 years$1,991$1,481$1,085$784$561$311
28 years$1,899$1,396$1,009$719$506$273
29 years$1,814$1,317$939$659$457$240
30 years$1,734$1,243$874$605$413$211
31 years$1,660$1,175$815$556$373$186
32 years$1,591$1,112$760$511$338$163
33 years$1,526$1,053$710$469$306$144
34 years$1,465$998$663$432$277$127
35 years$1,407$947$620$398$251$111
36 years$1,353$899$580$366$227$98
37 years$1,302$853$543$337$206$86
38 years$1,254$811$509$311$187$76
39 years$1,208$771$476$287$169$67
40 years$1,165$734$447$265$154$59
41 years$1,124$699$419$244$139$52
42 years$1,085$665$393$225$126$46
43 years$1,048$634$369$208$115$40
44 years$1,012$604$346$192$104$36
45 years$979$576$325$177$95$31
46 years$947$550$305$164$86$28
47 years$916$525$287$151$78$24
48 years$887$501$269$140$71$22
49 years$859$478$253$129$64$19
50 years$832$457$238$119$58$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $852,000, adding $3,625 every year, while hoping to spend $23,673 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: 66/8/26 Blend
51$852,000$852,000$852,000$852,000
52$942,643$897,487$884,281$998,237
53$1,013,605$916,276$888,717$1,054,930
54$1,091,011$935,192$892,507$1,113,899
55$1,175,495$954,217$895,607$1,177,840
56$1,267,751$973,330$897,966$1,247,245
57$1,368,547$992,508$899,533$1,322,656
58$1,478,726$1,011,728$900,254$1,404,670
59$1,599,217$1,030,964$900,073$1,493,945
60$1,731,042$1,050,186$898,931$1,591,207
61$1,875,327$1,069,364$896,764$1,697,254
62$2,033,313$1,088,465$893,508$1,812,970
63$2,206,364$1,107,453$889,094$1,939,325
64$2,395,985$1,126,290$883,450$2,077,390
65$2,603,831$1,144,933$876,501$2,228,347
66$2,831,726$1,163,339$868,168$2,393,497
67$3,081,678$1,181,460$858,368$2,574,275
68$3,355,902$1,199,244$847,016$2,772,263
69$3,656,832$1,216,635$834,020$2,989,204
70$3,987,155$1,233,576$819,285$3,227,021
71$4,349,826$1,250,002$802,712$3,487,831
72$4,748,103$1,265,847$784,197$3,773,972
73$5,185,573$1,281,038$763,632$4,088,016
74$5,666,191$1,295,498$740,903$4,432,803
75$6,194,310$1,309,144$715,891$4,811,460
76$6,774,727$1,321,890$688,470$5,227,436
77$7,412,727$1,333,641$658,513$5,684,532
78$8,114,134$1,344,298$625,881$6,186,938
79$8,885,361$1,353,753$590,433$6,739,273
80$9,733,476$1,361,896$552,021$7,346,628
81$10,666,266$1,368,604$510,489$8,014,614
82$11,692,309$1,373,750$465,675$8,749,417
83$12,821,059$1,377,198$417,409$9,557,855
84$14,062,929$1,378,803$365,515$10,447,443
85$15,429,395$1,378,411$309,807$11,426,465
86$16,933,100$1,375,860$250,092$12,504,051
87$18,587,975$1,370,976$186,169$13,690,264
88$20,409,370$1,363,575$117,827$14,996,198
89$22,414,198$1,353,463$44,846$16,434,078
90$24,621,095$1,340,431$0$18,017,379
91$27,050,596$1,324,261$0$19,770,121
92$29,725,327$1,304,721$0$21,713,380
93$32,670,222$1,281,564$0$23,852,816
94$35,912,753$1,254,529$0$26,208,387
95$39,483,192$1,223,339$0$28,802,087
96$43,414,897$1,187,702$0$31,658,153
97$47,744,626$1,147,309$0$34,803,293
98$52,512,881$1,101,830$0$38,266,938
99$57,764,294$1,050,920$0$42,081,519
100$63,548,048$994,210$0$46,282,776