Can I retire at age 52 with 857,000?

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 $857,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$70,770$70,140$69,525$68,925$68,338$65,887
2 years$35,035$34,382$33,750$33,137$32,542$30,099
3 years$23,125$22,469$21,838$21,231$20,646$18,288
4 years$17,171$16,517$15,893$15,296$14,725$12,470
5 years$13,599$12,950$12,333$11,749$11,194$9,048
6 years$11,219$10,574$9,967$9,395$8,857$6,822
7 years$9,519$8,880$8,283$7,725$7,203$5,278
8 years$8,245$7,612$7,025$6,480$5,976$4,159
9 years$7,255$6,628$6,050$5,519$5,032$3,321
10 years$6,463$5,842$5,275$4,758$4,288$2,680
11 years$5,816$5,201$4,644$4,141$3,688$2,179
12 years$5,277$4,668$4,121$3,632$3,196$1,783
13 years$4,821$4,218$3,682$3,206$2,787$1,466
14 years$4,430$3,834$3,308$2,846$2,443$1,211
15 years$4,092$3,503$2,987$2,538$2,151$1,003
16 years$3,797$3,214$2,708$2,273$1,901$833
17 years$3,536$2,960$2,464$2,042$1,686$693
18 years$3,305$2,735$2,250$1,840$1,499$578
19 years$3,098$2,535$2,059$1,663$1,336$482
20 years$2,913$2,355$1,890$1,506$1,193$403
21 years$2,745$2,194$1,738$1,367$1,068$337
22 years$2,592$2,048$1,602$1,243$957$282
23 years$2,453$1,915$1,479$1,132$859$237
24 years$2,326$1,795$1,368$1,032$772$199
25 years$2,209$1,684$1,267$943$695$167
26 years$2,102$1,583$1,175$862$626$140
27 years$2,002$1,490$1,091$789$564$117
28 years$1,910$1,404$1,015$723$509$99
29 years$1,824$1,324$944$663$460$83
30 years$1,744$1,251$879$608$415$70
31 years$1,670$1,182$820$559$376$58
32 years$1,600$1,119$765$514$340$49
33 years$1,535$1,059$714$472$307$41
34 years$1,473$1,004$667$435$278$35
35 years$1,416$952$624$400$252$29
36 years$1,361$904$584$368$228$25
37 years$1,310$858$546$339$207$21
38 years$1,261$816$512$313$188$17
39 years$1,215$776$479$288$170$15
40 years$1,172$738$449$266$154$12
41 years$1,130$703$421$245$140$10
42 years$1,091$669$395$227$127$9
43 years$1,054$638$371$209$115$7
44 years$1,018$608$348$193$105$6
45 years$984$580$327$178$95$5
46 years$952$553$307$165$86$4
47 years$921$528$288$152$78$4
48 years$892$504$271$141$71$3
49 years$864$481$255$130$65$3
50 years$837$459$239$120$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $857,000, adding $4,783 every year, while hoping to spend $28,797 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: 51/33/16 Blend
51$857,000$857,000$857,000$857,000
52$949,348$903,927$890,643$993,379
53$1,015,541$917,579$889,840$1,037,790
54$1,087,522$930,936$888,045$1,082,643
55$1,165,848$943,951$885,194$1,130,771
56$1,251,137$956,577$881,220$1,182,494
57$1,344,067$968,763$876,054$1,238,165
58$1,445,382$980,453$869,623$1,298,170
59$1,555,905$991,589$861,849$1,362,938
60$1,676,538$1,002,108$852,652$1,432,942
61$1,808,277$1,011,943$841,948$1,508,705
62$1,952,216$1,021,023$829,648$1,590,802
63$2,109,562$1,029,272$815,660$1,679,870
64$2,281,640$1,036,610$799,888$1,776,610
65$2,469,913$1,042,949$782,230$1,881,797
66$2,675,989$1,048,199$762,579$1,996,287
67$2,901,640$1,052,261$740,826$2,121,023
68$3,148,818$1,055,033$716,855$2,257,047
69$3,419,672$1,056,403$690,543$2,405,509
70$3,716,567$1,056,255$661,765$2,567,676
71$4,042,110$1,054,465$630,388$2,744,950
72$4,399,172$1,050,901$596,272$2,938,875
73$4,790,914$1,045,422$559,274$3,151,155
74$5,220,820$1,037,880$519,242$3,383,672
75$5,692,724$1,028,117$476,018$3,638,501
76$6,210,854$1,015,966$429,436$3,917,931
77$6,779,863$1,001,250$379,324$4,224,490
78$7,404,879$983,781$325,501$4,560,964
79$8,091,551$963,361$267,780$4,930,428
80$8,846,102$939,779$205,963$5,336,274
81$9,675,387$912,811$139,846$5,782,244
82$10,586,960$882,221$69,214$6,272,466
83$11,589,140$847,761$0$6,811,494
84$12,691,095$809,164$0$7,405,400
85$13,902,926$766,152$0$8,071,352
86$15,235,760$718,429$0$8,803,672
87$16,701,856$665,681$0$9,609,141
88$18,314,724$607,578$0$10,495,238
89$20,089,247$543,771$0$11,470,204
90$22,041,824$473,889$0$12,543,130
91$24,190,523$397,542$0$13,724,033
92$26,555,252$314,318$0$15,023,961
93$29,157,949$223,781$0$16,455,091
94$32,022,784$125,470$0$18,030,847
95$35,176,390$18,900$0$19,766,029
96$38,648,113$0$0$21,676,953
97$42,470,290$0$0$23,816,625
98$46,678,550$0$0$26,180,097
99$51,312,157$0$0$28,782,570
100$56,414,371$0$0$31,648,356