Can I retire at age 52 with 855,000?

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 $855,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$70,605$69,976$69,363$68,764$68,179$66,023
2 years$34,953$34,302$33,671$33,059$32,466$30,314
3 years$23,071$22,417$21,787$21,182$20,598$18,516
4 years$17,130$16,479$15,856$15,260$14,691$12,696
5 years$13,567$12,920$12,305$11,721$11,168$9,265
6 years$11,193$10,550$9,944$9,374$8,836$7,028
7 years$9,497$8,860$8,264$7,707$7,186$5,471
8 years$8,226$7,594$7,008$6,465$5,962$4,339
9 years$7,238$6,612$6,036$5,507$5,021$3,489
10 years$6,448$5,828$5,262$4,747$4,278$2,835
11 years$5,802$5,189$4,633$4,131$3,679$2,322
12 years$5,264$4,657$4,112$3,624$3,188$1,914
13 years$4,810$4,209$3,673$3,199$2,780$1,586
14 years$4,420$3,826$3,301$2,840$2,437$1,319
15 years$4,083$3,495$2,980$2,533$2,146$1,101
16 years$3,788$3,206$2,702$2,268$1,897$922
17 years$3,528$2,953$2,459$2,037$1,682$773
18 years$3,297$2,729$2,244$1,836$1,495$650
19 years$3,091$2,529$2,055$1,659$1,333$547
20 years$2,906$2,350$1,886$1,503$1,190$461
21 years$2,738$2,189$1,734$1,364$1,065$389
22 years$2,586$2,043$1,599$1,240$955$329
23 years$2,448$1,911$1,476$1,129$857$278
24 years$2,321$1,790$1,365$1,030$770$235
25 years$2,204$1,680$1,264$941$693$199
26 years$2,097$1,579$1,173$860$624$168
27 years$1,998$1,486$1,089$787$563$143
28 years$1,906$1,400$1,012$721$508$121
29 years$1,820$1,321$942$661$459$102
30 years$1,740$1,248$877$607$414$87
31 years$1,666$1,179$818$557$375$74
32 years$1,596$1,116$763$512$339$62
33 years$1,531$1,057$713$471$307$53
34 years$1,470$1,002$666$433$278$45
35 years$1,412$950$622$399$252$38
36 years$1,358$902$582$368$228$32
37 years$1,307$856$545$339$207$27
38 years$1,258$814$510$312$187$23
39 years$1,212$774$478$288$170$20
40 years$1,169$736$448$265$154$17
41 years$1,128$701$420$245$140$14
42 years$1,089$668$394$226$127$12
43 years$1,051$636$370$209$115$10
44 years$1,016$606$347$193$104$9
45 years$982$578$326$178$95$7
46 years$950$552$306$164$86$6
47 years$919$526$288$152$78$5
48 years$890$502$270$140$71$5
49 years$862$480$254$130$64$4
50 years$835$458$239$120$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $855,000, adding $2,031 every year, while hoping to spend $58,248 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: 65/14/21 Blend
51$855,000$855,000$855,000$855,000
52$944,305$898,990$885,737$1,000,499
53$978,649$881,065$853,434$1,020,594
54$1,014,543$860,310$818,097$1,035,745
55$1,052,085$836,523$779,562$1,050,941
56$1,091,379$809,495$737,658$1,066,190
57$1,132,539$778,999$692,209$1,081,502
58$1,175,687$744,798$643,027$1,096,889
59$1,220,956$706,643$589,917$1,112,368
60$1,268,491$664,266$532,677$1,127,959
61$1,318,449$617,387$471,094$1,143,688
62$1,371,001$565,709$404,945$1,159,586
63$1,426,333$508,918$334,000$1,175,689
64$1,484,646$446,682$258,017$1,192,041
65$1,546,161$378,651$176,741$1,208,694
66$1,611,118$304,453$89,911$1,225,708
67$1,679,779$223,699$0$1,243,154
68$1,752,430$135,974$0$1,261,730
69$1,829,383$40,841$0$1,302,455
70$1,910,978$0$0$1,345,336
71$1,997,589$0$0$1,400,145
72$2,089,622$0$0$1,465,101
73$2,187,523$0$0$1,534,229
74$2,291,780$0$0$1,607,878
75$2,402,927$0$0$1,686,430
76$2,521,548$0$0$1,770,303
77$2,648,285$0$0$1,859,955
78$2,783,839$0$0$1,955,886
79$2,928,981$0$0$2,058,649
80$3,084,555$0$0$2,168,846
81$3,251,487$0$0$2,287,140
82$3,430,794$0$0$2,414,258
83$3,623,592$0$0$2,550,997
84$3,831,105$0$0$2,698,234
85$4,054,678$0$0$2,856,931
86$4,295,789$0$0$3,028,145
87$4,556,060$0$0$3,213,036
88$4,837,276$0$0$3,412,881
89$5,141,395$0$0$3,629,082
90$5,470,572$0$0$3,863,179
91$5,827,174$0$0$4,116,869
92$6,213,806$0$0$4,392,014
93$6,633,331$0$0$4,690,663
94$7,088,897$0$0$5,015,070
95$7,583,969$0$0$5,367,714
96$8,122,356$0$0$5,751,323
97$8,708,250$0$0$6,168,898
98$9,346,264$0$0$6,623,739
99$10,041,473$0$0$7,119,482
100$10,799,464$0$0$7,660,124