Can I retire at age 52 with 859,000?

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 $859,000?

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$70,935$70,304$69,687$69,085$68,498$66,332
2 years$35,117$34,463$33,829$33,214$32,618$30,455
3 years$23,178$22,522$21,889$21,281$20,694$18,603
4 years$17,211$16,556$15,930$15,331$14,759$12,755
5 years$13,631$12,980$12,362$11,776$11,220$9,308
6 years$11,245$10,599$9,991$9,417$8,878$7,061
7 years$9,542$8,901$8,302$7,743$7,220$5,497
8 years$8,265$7,630$7,041$6,495$5,990$4,360
9 years$7,272$6,643$6,064$5,532$5,044$3,505
10 years$6,478$5,856$5,287$4,769$4,298$2,848
11 years$5,829$5,213$4,655$4,150$3,696$2,333
12 years$5,289$4,679$4,131$3,640$3,203$1,923
13 years$4,832$4,228$3,691$3,214$2,793$1,593
14 years$4,441$3,843$3,316$2,853$2,449$1,325
15 years$4,102$3,511$2,994$2,544$2,156$1,106
16 years$3,806$3,221$2,714$2,278$1,905$926
17 years$3,545$2,967$2,470$2,047$1,689$777
18 years$3,313$2,741$2,255$1,845$1,502$653
19 years$3,106$2,541$2,064$1,667$1,339$550
20 years$2,919$2,361$1,894$1,510$1,196$463
21 years$2,751$2,199$1,742$1,370$1,070$391
22 years$2,598$2,053$1,606$1,246$959$330
23 years$2,459$1,920$1,483$1,135$861$279
24 years$2,332$1,799$1,371$1,035$774$236
25 years$2,215$1,688$1,270$945$696$200
26 years$2,107$1,587$1,178$864$627$169
27 years$2,007$1,493$1,094$791$566$143
28 years$1,915$1,407$1,017$725$510$121
29 years$1,829$1,327$946$665$461$103
30 years$1,749$1,254$881$610$416$87
31 years$1,674$1,185$822$560$376$74
32 years$1,604$1,121$767$515$341$63
33 years$1,538$1,062$716$473$308$53
34 years$1,477$1,006$669$436$279$45
35 years$1,419$955$625$401$253$38
36 years$1,364$906$585$369$229$33
37 years$1,313$860$548$340$208$28
38 years$1,264$818$513$314$188$23
39 years$1,218$778$480$289$171$20
40 years$1,174$740$450$267$155$17
41 years$1,133$704$422$246$140$14
42 years$1,094$671$396$227$127$12
43 years$1,056$639$372$210$116$10
44 years$1,021$609$349$194$105$9
45 years$987$581$328$179$95$7
46 years$954$554$308$165$87$6
47 years$923$529$289$153$79$5
48 years$894$505$272$141$71$5
49 years$866$482$255$130$65$4
50 years$839$461$240$120$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $859,000, adding $4,299 every year, while hoping to spend $31,851 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: 42/40/18 Blend
51$859,000$859,000$859,000$859,000
52$951,052$905,525$892,211$985,818
53$1,014,171$916,007$888,211$1,021,309
54$1,082,659$925,935$883,009$1,056,280
55$1,157,033$935,247$876,532$1,093,481
56$1,237,856$943,881$868,702$1,133,133
57$1,325,752$951,766$859,438$1,175,480
58$1,421,405$958,829$848,656$1,220,793
59$1,525,568$964,991$836,265$1,269,370
60$1,639,070$970,169$822,174$1,321,542
61$1,762,822$974,275$806,284$1,377,677
62$1,897,830$977,214$788,494$1,438,181
63$2,045,196$978,885$768,697$1,503,504
64$2,206,139$979,183$746,781$1,574,142
65$2,381,996$977,994$722,629$1,650,646
66$2,574,242$975,198$696,119$1,733,627
67$2,784,499$970,667$667,123$1,823,756
68$3,014,554$964,266$635,508$1,921,781
69$3,266,375$955,852$601,135$2,028,525
70$3,542,129$945,272$563,856$2,144,900
71$3,844,201$932,365$523,520$2,271,915
72$4,175,218$916,959$479,967$2,410,685
73$4,538,075$898,875$433,030$2,562,442
74$4,935,958$877,920$382,536$2,728,548
75$5,372,378$853,890$328,303$2,910,509
76$5,851,201$826,571$270,142$3,109,989
77$6,376,685$795,734$207,853$3,328,827
78$6,953,522$761,140$141,231$3,569,054
79$7,586,877$722,532$70,059$3,832,915
80$8,282,444$679,642$0$4,122,890
81$9,046,493$632,184$0$4,442,849
82$9,885,931$579,856$0$4,809,118
83$10,808,367$522,340$0$5,211,617
84$11,822,185$459,299$0$5,654,082
85$12,936,620$390,377$0$6,140,639
86$14,161,848$315,198$0$6,675,840
87$15,509,078$233,365$0$7,264,706
88$16,990,661$144,457$0$7,912,776
89$18,620,206$48,033$0$8,626,163
90$20,412,703$0$0$9,411,608
91$22,384,672$0$0$10,301,366
92$24,554,313$0$0$11,303,699
93$26,941,679$0$0$12,406,746
94$29,568,866$0$0$13,620,730
95$32,460,218$0$0$14,956,918
96$35,642,561$0$0$16,427,724
97$39,145,452$0$0$18,046,827
98$43,001,459$0$0$19,829,297
99$47,246,469$0$0$21,791,742
100$51,920,025$0$0$23,952,462