Can I retire at age 52 with 858,000?

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 $858,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$70,853$70,222$69,606$69,005$68,418$68,130
2 years$35,076$34,422$33,789$33,175$32,580$32,289
3 years$23,151$22,495$21,864$21,256$20,670$20,385
4 years$17,191$16,537$15,911$15,314$14,742$14,466
5 years$13,615$12,965$12,348$11,762$11,207$10,940
6 years$11,232$10,587$9,979$9,406$8,867$8,610
7 years$9,531$8,891$8,293$7,734$7,212$6,964
8 years$8,255$7,621$7,033$6,487$5,983$5,745
9 years$7,264$6,635$6,057$5,526$5,038$4,810
10 years$6,471$5,849$5,281$4,763$4,293$4,074
11 years$5,823$5,207$4,649$4,146$3,692$3,483
12 years$5,283$4,673$4,126$3,636$3,199$3,000
13 years$4,826$4,223$3,686$3,210$2,790$2,599
14 years$4,436$3,839$3,312$2,850$2,446$2,264
15 years$4,097$3,507$2,990$2,541$2,153$1,980
16 years$3,801$3,218$2,711$2,276$1,903$1,738
17 years$3,541$2,963$2,467$2,045$1,687$1,531
18 years$3,309$2,738$2,252$1,843$1,500$1,352
19 years$3,102$2,538$2,062$1,665$1,337$1,197
20 years$2,916$2,358$1,892$1,508$1,195$1,061
21 years$2,748$2,197$1,740$1,369$1,069$943
22 years$2,595$2,050$1,604$1,244$958$839
23 years$2,456$1,918$1,481$1,133$860$747
24 years$2,329$1,797$1,370$1,034$773$667
25 years$2,212$1,686$1,269$944$696$595
26 years$2,104$1,585$1,177$863$627$532
27 years$2,005$1,491$1,093$790$565$476
28 years$1,912$1,405$1,016$724$510$426
29 years$1,826$1,326$945$664$460$382
30 years$1,747$1,252$880$609$416$342
31 years$1,672$1,184$821$559$376$307
32 years$1,602$1,120$766$514$340$275
33 years$1,537$1,061$715$473$308$247
34 years$1,475$1,005$668$435$279$222
35 years$1,417$953$625$400$252$199
36 years$1,363$905$584$369$229$179
37 years$1,311$859$547$340$207$161
38 years$1,263$817$512$313$188$145
39 years$1,217$777$480$289$170$130
40 years$1,173$739$450$266$155$117
41 years$1,132$703$422$246$140$105
42 years$1,092$670$396$227$127$95
43 years$1,055$638$371$209$115$85
44 years$1,019$608$348$193$105$77
45 years$986$580$327$179$95$69
46 years$953$553$307$165$86$62
47 years$922$528$289$152$78$56
48 years$893$504$271$141$71$50
49 years$865$482$255$130$65$45
50 years$838$460$240$120$59$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $858,000, adding $5,976 every year, while hoping to spend $40,761 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: 44/28/28 Blend
51$858,000$858,000$858,000$858,000
52$951,680$906,206$892,907$985,592
53$1,005,382$907,241$879,450$1,011,408
54$1,063,196$906,960$864,176$1,035,031
55$1,125,497$905,257$846,982$1,059,859
56$1,192,699$902,016$827,757$1,086,028
57$1,265,257$897,117$806,389$1,113,690
58$1,343,669$890,432$782,759$1,143,014
59$1,428,484$881,823$756,742$1,174,190
60$1,520,304$871,148$728,208$1,207,431
61$1,619,793$858,252$697,021$1,242,973
62$1,727,679$842,973$663,038$1,281,082
63$1,844,763$825,139$626,110$1,322,052
64$1,971,926$804,569$586,083$1,366,213
65$2,110,139$781,069$542,793$1,413,931
66$2,260,468$754,436$496,071$1,465,614
67$2,424,085$724,453$445,739$1,521,716
68$2,602,282$690,892$391,612$1,582,743
69$2,796,481$653,511$333,496$1,649,256
70$3,008,243$612,054$271,190$1,721,882
71$3,239,291$566,252$204,482$1,801,312
72$3,491,518$515,818$133,151$1,888,319
73$3,767,010$460,449$56,969$1,983,759
74$4,068,061$399,828$0$2,088,580
75$4,397,200$333,616$0$2,211,107
76$4,757,207$261,456$0$2,363,874
77$5,151,148$182,973$0$2,531,219
78$5,582,395$97,768$0$2,714,659
79$6,054,662$5,422$0$2,915,871
80$6,572,041$0$0$3,136,709
81$7,139,037$0$0$3,408,337
82$7,760,611$0$0$3,708,049
83$8,442,226$0$0$4,036,821
84$9,189,903$0$0$4,397,570
85$10,010,270$0$0$4,793,509
86$10,910,628$0$0$5,228,176
87$11,899,021$0$0$5,705,470
88$12,984,309$0$0$6,229,684
89$14,176,252$0$0$6,805,550
90$15,485,600$0$0$7,438,277
91$16,924,197$0$0$8,133,607
92$18,505,093$0$0$8,897,865
93$20,242,660$0$0$9,738,018
94$22,152,736$0$0$10,661,742
95$24,252,767$0$0$11,677,495
96$26,561,975$0$0$12,794,595
97$29,101,539$0$0$14,023,309
98$31,894,791$0$0$15,374,946
99$34,967,439$0$0$16,861,970
100$38,347,807$0$0$18,498,112