Can I retire at age 57 with 852,000?

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 $852,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.2%
1 years$70,357$69,731$69,119$68,522$67,940$67,314
2 years$34,830$34,182$33,553$32,943$32,352$31,722
3 years$22,990$22,338$21,711$21,107$20,526$19,910
4 years$17,070$16,421$15,800$15,207$14,639$14,043
5 years$13,520$12,874$12,262$11,680$11,128$10,554
6 years$11,153$10,513$9,909$9,341$8,805$8,253
7 years$9,464$8,829$8,235$7,679$7,161$6,631
8 years$8,197$7,568$6,984$6,442$5,941$5,433
9 years$7,213$6,589$6,015$5,487$5,003$4,517
10 years$6,425$5,808$5,244$4,730$4,263$3,799
11 years$5,782$5,170$4,617$4,117$3,666$3,224
12 years$5,246$4,641$4,097$3,611$3,177$2,756
13 years$4,793$4,194$3,661$3,188$2,770$2,369
14 years$4,405$3,812$3,289$2,830$2,429$2,048
15 years$4,068$3,482$2,970$2,524$2,138$1,777
16 years$3,775$3,195$2,692$2,260$1,890$1,547
17 years$3,516$2,943$2,450$2,030$1,676$1,351
18 years$3,286$2,719$2,236$1,830$1,490$1,183
19 years$3,080$2,520$2,047$1,653$1,328$1,038
20 years$2,896$2,342$1,879$1,497$1,186$913
21 years$2,729$2,181$1,728$1,359$1,062$804
22 years$2,577$2,036$1,593$1,236$951$709
23 years$2,439$1,904$1,471$1,125$854$626
24 years$2,313$1,784$1,360$1,026$768$553
25 years$2,197$1,674$1,260$937$691$490
26 years$2,090$1,574$1,168$857$622$434
27 years$1,991$1,481$1,085$784$561$384
28 years$1,899$1,396$1,009$719$506$341
29 years$1,814$1,317$939$659$457$302
30 years$1,734$1,243$874$605$413$268
31 years$1,660$1,175$815$556$373$238
32 years$1,591$1,112$760$511$338$212
33 years$1,526$1,053$710$469$306$188
34 years$1,465$998$663$432$277$167
35 years$1,407$947$620$398$251$149
36 years$1,353$899$580$366$227$132
37 years$1,302$853$543$337$206$118
38 years$1,254$811$509$311$187$105
39 years$1,208$771$476$287$169$93
40 years$1,165$734$447$265$154$83
41 years$1,124$699$419$244$139$74
42 years$1,085$665$393$225$126$66
43 years$1,048$634$369$208$115$59
44 years$1,012$604$346$192$104$52
45 years$979$576$325$177$95$46
46 years$947$550$305$164$86$41
47 years$916$525$287$151$78$37
48 years$887$501$269$140$71$33
49 years$859$478$253$129$64$29
50 years$832$457$238$119$58$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 57 starting with $852,000, adding $5,958 every year, while hoping to spend $22,955 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: 39/38/23 Blend
56$852,000$852,000$852,000$852,000
57$945,050$899,894$886,688$975,243
58$1,017,021$919,565$891,968$1,017,292
59$1,095,564$939,430$896,655$1,060,132
60$1,181,324$959,475$900,706$1,105,996
61$1,275,014$979,684$904,075$1,155,172
62$1,377,415$1,000,039$906,711$1,207,979
63$1,489,391$1,020,520$908,565$1,264,766
64$1,611,890$1,041,106$909,583$1,325,921
65$1,745,956$1,061,774$909,708$1,391,870
66$1,892,742$1,082,499$908,882$1,463,083
67$2,053,514$1,103,254$907,041$1,540,081
68$2,229,668$1,124,008$904,122$1,623,435
69$2,422,740$1,144,731$900,056$1,713,777
70$2,634,423$1,165,386$894,772$1,811,803
71$2,866,582$1,185,938$888,195$1,918,283
72$3,121,269$1,206,345$880,245$2,034,064
73$3,400,747$1,226,565$870,842$2,160,081
74$3,707,507$1,246,550$859,899$2,297,366
75$4,044,292$1,266,251$847,325$2,447,058
76$4,414,127$1,285,613$833,027$2,610,411
77$4,820,339$1,304,580$816,905$2,788,810
78$5,266,599$1,323,089$798,856$2,983,783
79$5,756,946$1,341,075$778,772$3,197,014
80$6,295,833$1,358,466$756,540$3,430,363
81$6,888,165$1,375,188$732,040$3,685,877
82$7,539,344$1,391,158$705,150$3,965,819
83$8,255,324$1,406,292$675,740$4,272,682
84$9,042,664$1,420,497$643,673$4,609,215
85$9,908,589$1,433,674$608,810$4,978,452
86$10,861,060$1,445,720$571,001$5,383,737
87$11,908,851$1,456,523$530,091$5,828,759
88$13,061,625$1,465,964$485,921$6,317,587
89$14,330,031$1,473,916$438,320$6,854,707
90$15,725,803$1,480,246$387,111$7,445,065
91$17,261,867$1,484,811$332,112$8,094,118
92$18,952,469$1,487,459$273,130$8,807,882
93$20,813,304$1,488,027$209,963$9,592,989
94$22,861,667$1,486,346$142,402$10,456,755
95$25,116,612$1,482,232$70,228$11,407,245
96$27,599,138$1,475,494$0$12,453,352
97$30,332,382$1,465,924$0$13,606,549
98$33,341,838$1,453,308$0$14,894,481
99$36,655,598$1,437,412$0$16,311,877
100$40,304,618$1,417,994$0$17,871,941