Can I retire at age 52 with 864,000?

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 $864,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$71,348$70,713$70,093$69,488$68,897$66,611
2 years$35,321$34,663$34,026$33,407$32,808$30,528
3 years$23,313$22,653$22,017$21,404$20,815$18,611
4 years$17,311$16,652$16,023$15,421$14,845$12,735
5 years$13,710$13,055$12,434$11,845$11,285$9,274
6 years$11,311$10,661$10,049$9,472$8,930$7,019
7 years$9,597$8,953$8,350$7,788$7,262$5,452
8 years$8,313$7,674$7,082$6,533$6,025$4,314
9 years$7,314$6,682$6,100$5,565$5,074$3,460
10 years$6,516$5,890$5,318$4,797$4,323$2,804
11 years$5,863$5,243$4,682$4,175$3,718$2,291
12 years$5,320$4,706$4,155$3,662$3,222$1,883
13 years$4,860$4,253$3,712$3,233$2,810$1,556
14 years$4,467$3,866$3,335$2,870$2,463$1,291
15 years$4,126$3,531$3,011$2,559$2,168$1,075
16 years$3,828$3,240$2,730$2,291$1,916$897
17 years$3,565$2,984$2,484$2,059$1,699$750
18 years$3,332$2,757$2,268$1,855$1,511$629
19 years$3,124$2,555$2,076$1,677$1,347$528
20 years$2,936$2,375$1,905$1,518$1,203$443
21 years$2,767$2,212$1,753$1,378$1,076$373
22 years$2,614$2,065$1,615$1,253$965$314
23 years$2,474$1,931$1,491$1,141$866$265
24 years$2,345$1,809$1,379$1,041$779$223
25 years$2,228$1,698$1,278$951$701$188
26 years$2,119$1,596$1,185$869$631$159
27 years$2,019$1,502$1,100$795$569$134
28 years$1,926$1,415$1,023$729$513$113
29 years$1,839$1,335$952$668$464$96
30 years$1,759$1,261$887$613$419$81
31 years$1,684$1,192$827$563$379$68
32 years$1,613$1,128$771$518$343$58
33 years$1,547$1,068$720$476$310$49
34 years$1,485$1,012$673$438$281$41
35 years$1,427$960$629$403$254$35
36 years$1,372$911$588$371$230$30
37 years$1,320$865$551$342$209$25
38 years$1,271$823$516$315$189$21
39 years$1,225$782$483$291$172$18
40 years$1,181$744$453$268$156$15
41 years$1,140$708$425$247$141$13
42 years$1,100$675$398$228$128$11
43 years$1,062$643$374$211$116$9
44 years$1,027$613$351$195$106$8
45 years$992$584$329$180$96$7
46 years$960$557$309$166$87$6
47 years$929$532$291$153$79$5
48 years$899$508$273$142$72$4
49 years$871$485$257$131$65$3
50 years$844$463$241$121$59$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $864,000, adding $6,172 every year, while hoping to spend $46,270 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: 52/18/30 Blend
51$864,000$864,000$864,000$864,000
52$958,494$912,702$899,310$999,965
53$1,007,030$908,194$880,206$1,025,002
54$1,058,965$901,914$858,912$1,047,086
55$1,114,598$893,726$835,304$1,070,216
56$1,174,256$883,487$809,255$1,094,511
57$1,238,297$871,045$780,632$1,120,107
58$1,307,114$856,237$749,294$1,147,156
59$1,381,140$838,893$715,096$1,175,828
60$1,460,849$818,831$677,884$1,206,313
61$1,546,761$795,859$637,498$1,238,823
62$1,639,448$769,774$593,772$1,273,597
63$1,739,540$740,361$546,532$1,310,901
64$1,847,726$707,392$495,594$1,351,029
65$1,964,766$670,626$440,768$1,394,314
66$2,091,494$629,809$381,856$1,441,123
67$2,228,828$584,671$318,649$1,491,867
68$2,377,775$534,927$250,931$1,547,004
69$2,539,446$480,276$178,475$1,607,041
70$2,715,061$420,400$101,044$1,672,545
71$2,905,960$354,963$18,393$1,744,145
72$3,113,621$283,609$0$1,822,540
73$3,339,668$205,963$0$1,930,853
74$3,585,888$121,630$0$2,055,337
75$3,854,248$30,189$0$2,191,144
76$4,146,913$0$0$2,339,430
77$4,466,264$0$0$2,515,101
78$4,814,925$0$0$2,713,504
79$5,195,783$0$0$2,930,313
80$5,612,014$0$0$3,167,347
81$6,067,118$0$0$3,426,610
82$6,564,948$0$0$3,710,308
83$7,109,744$0$0$4,020,870
84$7,706,176$0$0$4,360,972
85$8,359,389$0$0$4,733,557
86$9,075,047$0$0$5,141,871
87$9,859,385$0$0$5,589,486
88$10,719,275$0$0$6,080,336
89$11,662,281$0$0$6,618,756
90$12,696,739$0$0$7,209,519
91$13,831,825$0$0$7,857,883
92$15,077,650$0$0$8,569,640
93$16,445,352$0$0$9,351,168
94$17,947,197$0$0$10,209,496
95$19,596,700$0$0$11,152,366
96$21,408,747$0$0$12,188,305
97$23,399,738$0$0$13,326,710
98$25,587,740$0$0$14,577,931
99$27,992,657$0$0$15,953,372
100$30,636,417$0$0$17,465,594