Can I retire at age 52 with 866,000?

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 $866,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$71,513$70,876$70,255$69,648$69,056$66,395
2 years$35,403$34,743$34,104$33,485$32,884$30,234
3 years$23,367$22,705$22,068$21,454$20,863$18,309
4 years$17,351$16,691$16,060$15,456$14,880$12,440
5 years$13,742$13,086$12,463$11,872$11,311$8,993
6 years$11,337$10,685$10,072$9,494$8,950$6,754
7 years$9,619$8,974$8,370$7,806$7,279$5,205
8 years$8,332$7,692$7,098$6,548$6,039$4,084
9 years$7,331$6,697$6,114$5,577$5,085$3,248
10 years$6,531$5,903$5,330$4,808$4,333$2,609
11 years$5,877$5,255$4,693$4,184$3,726$2,112
12 years$5,332$4,717$4,165$3,670$3,229$1,720
13 years$4,871$4,263$3,721$3,240$2,816$1,408
14 years$4,477$3,875$3,343$2,876$2,468$1,156
15 years$4,135$3,540$3,018$2,565$2,173$953
16 years$3,837$3,248$2,737$2,297$1,921$787
17 years$3,574$2,991$2,490$2,064$1,703$652
18 years$3,340$2,764$2,273$1,860$1,514$541
19 years$3,131$2,561$2,081$1,680$1,350$449
20 years$2,943$2,380$1,910$1,522$1,206$373
21 years$2,774$2,217$1,757$1,381$1,079$311
22 years$2,620$2,070$1,619$1,256$967$259
23 years$2,479$1,936$1,495$1,144$868$216
24 years$2,351$1,814$1,383$1,043$780$180
25 years$2,233$1,702$1,281$953$702$150
26 years$2,124$1,599$1,188$871$632$125
27 years$2,023$1,505$1,103$797$570$105
28 years$1,930$1,418$1,025$731$515$87
29 years$1,843$1,338$954$670$465$73
30 years$1,763$1,264$889$615$420$61
31 years$1,687$1,195$828$565$380$51
32 years$1,617$1,130$773$519$343$43
33 years$1,551$1,070$722$477$311$36
34 years$1,489$1,015$674$439$281$30
35 years$1,430$962$630$404$255$25
36 years$1,375$913$590$372$231$21
37 years$1,323$867$552$343$209$17
38 years$1,274$824$517$316$190$14
39 years$1,228$784$484$291$172$12
40 years$1,184$746$454$269$156$10
41 years$1,142$710$426$248$142$8
42 years$1,103$676$399$229$128$7
43 years$1,065$644$375$211$117$6
44 years$1,029$614$352$195$106$5
45 years$995$586$330$180$96$4
46 years$962$559$310$166$87$3
47 years$931$533$291$154$79$3
48 years$901$509$274$142$72$2
49 years$873$486$257$131$65$2
50 years$846$464$242$121$59$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $866,000, adding $5,364 every year, while hoping to spend $48,041 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: 40/39/21 Blend
51$866,000$866,000$866,000$866,000
52$959,865$913,967$900,544$992,101
53$1,006,656$907,636$879,597$1,009,382
54$1,056,609$899,385$856,338$1,023,086
55$1,109,997$889,069$830,639$1,036,932
56$1,167,118$876,533$802,366$1,050,961
57$1,228,297$861,617$771,379$1,065,220
58$1,293,894$844,147$737,531$1,079,763
59$1,364,302$823,941$700,669$1,094,658
60$1,439,952$800,805$660,632$1,109,980
61$1,521,317$774,535$617,254$1,125,818
62$1,608,919$744,914$570,359$1,142,274
63$1,703,327$711,713$519,764$1,159,468
64$1,805,169$674,690$465,279$1,177,536
65$1,915,134$633,588$406,704$1,196,632
66$2,033,980$588,135$343,830$1,216,935
67$2,162,538$538,046$276,441$1,238,646
68$2,301,723$483,017$204,308$1,261,998
69$2,452,542$422,728$127,195$1,287,249
70$2,616,099$356,839$44,854$1,314,696
71$2,793,611$284,995$0$1,344,672
72$2,986,416$206,816$0$1,387,193
73$3,195,984$121,903$0$1,444,396
74$3,423,934$29,836$0$1,506,762
75$3,672,047$0$0$1,574,892
76$3,942,282$0$0$1,679,425
77$4,236,794$0$0$1,807,409
78$4,557,958$0$0$1,947,083
79$4,908,384$0$0$2,099,595
80$5,290,948$0$0$2,266,213
81$5,708,813$0$0$2,448,328
82$6,165,463$0$0$2,647,473
83$6,664,733$0$0$2,865,338
84$7,210,847$0$0$3,103,782
85$7,808,453$0$0$3,364,852
86$8,462,670$0$0$3,650,802
87$9,179,138$0$0$3,964,115
88$9,964,063$0$0$4,307,526
89$10,824,283$0$0$4,684,045
90$11,767,328$0$0$5,096,989
91$12,801,491$0$0$5,550,011
92$13,935,906$0$0$6,047,136
93$15,180,634$0$0$6,592,794
94$16,546,758$0$0$7,191,868
95$18,046,484$0$0$7,849,736
96$19,693,258$0$0$8,572,322
97$21,501,894$0$0$9,366,152
98$23,488,708$0$0$10,238,415
99$25,671,676$0$0$11,197,032
100$28,070,601$0$0$12,250,728