Can I retire at age 52 with 869,000?

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 $869,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.4%
1 years$71,761$71,122$70,498$69,890$69,295$68,316
2 years$35,525$34,864$34,223$33,601$32,998$32,013
3 years$23,448$22,784$22,144$21,528$20,935$19,976
4 years$17,411$16,749$16,115$15,510$14,931$14,004
5 years$13,790$13,131$12,506$11,913$11,350$10,459
6 years$11,376$10,722$10,107$9,527$8,981$8,126
7 years$9,653$9,005$8,399$7,833$7,304$6,485
8 years$8,361$7,719$7,123$6,571$6,059$5,277
9 years$7,357$6,721$6,135$5,597$5,103$4,357
10 years$6,554$5,924$5,349$4,824$4,348$3,638
11 years$5,897$5,274$4,709$4,199$3,739$3,064
12 years$5,350$4,733$4,179$3,683$3,240$2,599
13 years$4,888$4,278$3,734$3,251$2,826$2,217
14 years$4,492$3,888$3,355$2,886$2,477$1,901
15 years$4,150$3,552$3,029$2,574$2,181$1,636
16 years$3,850$3,259$2,746$2,305$1,928$1,413
17 years$3,586$3,001$2,499$2,071$1,709$1,224
18 years$3,351$2,773$2,281$1,866$1,520$1,062
19 years$3,142$2,570$2,088$1,686$1,355$924
20 years$2,953$2,388$1,916$1,527$1,210$805
21 years$2,783$2,225$1,763$1,386$1,083$703
22 years$2,629$2,077$1,625$1,260$970$614
23 years$2,488$1,942$1,500$1,148$871$537
24 years$2,359$1,820$1,387$1,047$783$471
25 years$2,240$1,708$1,285$956$705$413
26 years$2,131$1,605$1,192$874$635$362
27 years$2,030$1,511$1,107$800$572$318
28 years$1,937$1,423$1,029$733$516$279
29 years$1,850$1,343$957$672$466$245
30 years$1,769$1,268$892$617$421$215
31 years$1,693$1,199$831$567$381$189
32 years$1,623$1,134$776$521$345$167
33 years$1,556$1,074$724$479$312$147
34 years$1,494$1,018$677$441$282$129
35 years$1,435$966$633$406$256$114
36 years$1,380$917$592$374$232$100
37 years$1,328$871$554$344$210$88
38 years$1,279$827$519$317$190$78
39 years$1,232$787$486$292$173$68
40 years$1,188$748$456$270$157$60
41 years$1,146$712$427$249$142$53
42 years$1,106$679$401$230$129$47
43 years$1,069$646$376$212$117$41
44 years$1,032$616$353$196$106$36
45 years$998$588$331$181$96$32
46 years$965$561$311$167$88$28
47 years$934$535$292$154$79$25
48 years$904$511$275$143$72$22
49 years$876$488$258$132$66$19
50 years$848$466$243$122$60$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $869,000, adding $6,630 every year, while hoping to spend $43,021 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: 78/13/9 Blend
51$869,000$869,000$869,000$869,000
52$964,477$918,420$904,950$1,037,836
53$1,017,079$917,648$889,492$1,086,188
54$1,073,606$915,397$872,074$1,132,977
55$1,134,410$911,549$852,586$1,183,037
56$1,199,883$905,977$830,910$1,236,675
57$1,270,451$898,550$806,925$1,294,229
58$1,346,585$889,127$780,505$1,356,074
59$1,428,801$877,558$751,516$1,422,619
60$1,517,666$863,686$719,820$1,494,318
61$1,613,803$847,342$685,269$1,571,671
62$1,717,899$828,350$647,714$1,655,229
63$1,830,707$806,521$606,994$1,745,599
64$1,953,054$781,656$562,944$1,843,451
65$2,085,854$753,545$515,390$1,949,523
66$2,230,106$721,964$464,151$2,064,630
67$2,386,915$686,678$409,038$2,189,670
68$2,557,492$647,437$349,852$2,325,633
69$2,743,172$603,977$286,388$2,473,611
70$2,945,422$556,020$218,430$2,634,807
71$3,165,860$503,269$145,752$2,810,550
72$3,406,263$445,414$68,119$3,002,304
73$3,668,587$382,125$0$3,211,683
74$3,954,987$313,053$0$3,441,882
75$4,267,835$237,832$0$3,700,524
76$4,609,740$156,072$0$3,983,251
77$4,983,577$67,363$0$4,292,478
78$5,392,510$0$0$4,630,864
79$5,840,024$0$0$5,005,453
80$6,329,954$0$0$5,426,124
81$6,866,527$0$0$5,886,872
82$7,454,393$0$0$6,391,696
83$8,098,678$0$0$6,944,999
84$8,805,023$0$0$7,551,632
85$9,579,645$0$0$8,216,936
86$10,429,388$0$0$8,946,795
87$11,361,792$0$0$9,747,689
88$12,385,163$0$0$10,626,757
89$13,508,648$0$0$11,591,860
90$14,742,325$0$0$12,651,661
91$16,097,295$0$0$13,815,701
92$17,585,786$0$0$15,094,490
93$19,221,270$0$0$16,499,608
94$21,018,588$0$0$18,043,810
95$22,994,090$0$0$19,741,150
96$25,165,788$0$0$21,607,111
97$27,553,529$0$0$23,658,749
98$30,179,175$0$0$25,914,856
99$33,066,815$0$0$28,396,139
100$36,242,990$0$0$31,125,408