Can I retire at age 52 with 868,000?

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 $868,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.8%
1 years$71,679$71,040$70,417$69,809$69,216$68,407
2 years$35,484$34,824$34,183$33,562$32,960$32,146
3 years$23,421$22,758$22,119$21,504$20,911$20,118
4 years$17,391$16,729$16,097$15,492$14,914$14,147
5 years$13,774$13,116$12,492$11,899$11,337$10,598
6 years$11,363$10,710$10,095$9,516$8,971$8,261
7 years$9,642$8,994$8,389$7,824$7,296$6,615
8 years$8,351$7,710$7,115$6,563$6,052$5,402
9 years$7,348$6,713$6,128$5,590$5,097$4,475
10 years$6,546$5,917$5,342$4,819$4,343$3,750
11 years$5,890$5,268$4,703$4,194$3,735$3,170
12 years$5,344$4,728$4,174$3,679$3,237$2,700
13 years$4,883$4,273$3,729$3,248$2,823$2,312
14 years$4,487$3,884$3,351$2,883$2,474$1,990
15 years$4,145$3,548$3,025$2,571$2,178$1,720
16 years$3,846$3,255$2,743$2,302$1,925$1,492
17 years$3,582$2,998$2,496$2,068$1,707$1,297
18 years$3,348$2,770$2,278$1,864$1,518$1,131
19 years$3,138$2,567$2,086$1,684$1,353$988
20 years$2,950$2,386$1,914$1,525$1,208$865
21 years$2,780$2,222$1,761$1,384$1,081$758
22 years$2,626$2,074$1,623$1,259$969$666
23 years$2,485$1,940$1,498$1,146$870$585
24 years$2,356$1,818$1,386$1,046$782$515
25 years$2,238$1,706$1,283$955$704$453
26 years$2,129$1,603$1,190$873$634$400
27 years$2,028$1,509$1,105$799$572$352
28 years$1,935$1,422$1,028$732$516$311
29 years$1,848$1,341$956$671$466$275
30 years$1,767$1,267$891$616$421$243
31 years$1,691$1,197$830$566$380$214
32 years$1,621$1,133$775$520$344$190
33 years$1,554$1,073$723$478$311$168
34 years$1,492$1,017$676$440$282$148
35 years$1,434$965$632$405$255$131
36 years$1,379$915$591$373$231$116
37 years$1,327$870$553$344$210$103
38 years$1,277$826$518$317$190$91
39 years$1,231$786$485$292$172$81
40 years$1,187$748$455$269$156$71
41 years$1,145$712$427$249$142$63
42 years$1,105$678$400$229$129$56
43 years$1,067$646$376$212$117$50
44 years$1,031$616$353$196$106$44
45 years$997$587$331$181$96$39
46 years$964$560$311$167$87$34
47 years$933$534$292$154$79$31
48 years$903$510$274$142$72$27
49 years$875$487$258$132$65$24
50 years$847$465$243$122$59$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $868,000, adding $2,542 every year, while hoping to spend $52,735 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: 46/45/9 Blend
51$868,000$868,000$868,000$868,000
52$959,158$913,154$899,700$1,000,768
53$1,000,883$901,789$873,730$1,018,366
54$1,045,096$888,100$845,123$1,031,783
55$1,091,995$871,916$813,735$1,045,129
56$1,141,798$853,059$779,414$1,058,417
57$1,194,741$831,339$742,004$1,071,661
58$1,251,083$806,553$701,340$1,084,884
59$1,311,108$778,489$657,249$1,098,111
60$1,375,126$746,920$609,553$1,111,379
61$1,443,479$711,609$558,062$1,124,728
62$1,516,538$672,302$502,582$1,138,211
63$1,594,713$628,733$442,906$1,151,890
64$1,678,452$580,619$378,821$1,165,839
65$1,768,246$527,661$310,104$1,180,146
66$1,864,634$469,544$236,520$1,194,913
67$1,968,209$405,934$157,825$1,210,261
68$2,079,620$336,478$73,766$1,226,329
69$2,199,581$260,805$0$1,243,278
70$2,328,874$178,521$0$1,262,825
71$2,468,362$89,210$0$1,291,311
72$2,618,987$0$0$1,321,919
73$2,781,791$0$0$1,358,701
74$2,957,914$0$0$1,446,361
75$3,148,612$0$0$1,541,358
76$3,355,264$0$0$1,644,390
77$3,579,387$0$0$1,756,224
78$3,822,651$0$0$1,877,704
79$4,086,890$0$0$2,009,760
80$4,374,122$0$0$2,153,412
81$4,686,569$0$0$2,309,784
82$5,026,673$0$0$2,480,113
83$5,397,123$0$0$2,665,759
84$5,800,878$0$0$2,868,221
85$6,241,193$0$0$3,089,146
86$6,721,652$0$0$3,330,349
87$7,246,199$0$0$3,593,827
88$7,819,177$0$0$3,881,779
89$8,445,365$0$0$4,196,626
90$9,130,026$0$0$4,541,033
91$9,878,954$0$0$4,917,934
92$10,698,530$0$0$5,330,561
93$11,595,778$0$0$5,782,473
94$12,578,434$0$0$6,277,588
95$13,655,017$0$0$6,820,221
96$14,834,910$0$0$7,415,126
97$16,128,445$0$0$8,067,538
98$17,547,002$0$0$8,783,222
99$19,103,116$0$0$9,568,528
100$20,810,592$0$0$10,430,453