Can I retire at age 52 with 870,000?

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 $870,000?

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$71,844$71,204$70,579$69,970$69,375$66,702
2 years$35,566$34,904$34,262$33,639$33,036$30,374
3 years$23,475$22,810$22,170$21,553$20,959$18,393
4 years$17,431$16,768$16,134$15,528$14,948$12,497
5 years$13,805$13,146$12,521$11,927$11,363$9,034
6 years$11,389$10,735$10,118$9,538$8,992$6,785
7 years$9,664$9,015$8,408$7,842$7,313$5,229
8 years$8,371$7,728$7,131$6,578$6,066$4,103
9 years$7,365$6,728$6,142$5,603$5,109$3,263
10 years$6,561$5,931$5,355$4,830$4,353$2,621
11 years$5,904$5,280$4,714$4,204$3,744$2,122
12 years$5,357$4,739$4,184$3,687$3,244$1,728
13 years$4,894$4,282$3,738$3,255$2,829$1,414
14 years$4,498$3,893$3,359$2,890$2,480$1,162
15 years$4,154$3,556$3,032$2,577$2,183$957
16 years$3,854$3,263$2,749$2,307$1,930$791
17 years$3,590$3,005$2,502$2,073$1,711$655
18 years$3,355$2,776$2,284$1,868$1,521$543
19 years$3,145$2,573$2,091$1,688$1,356$451
20 years$2,957$2,391$1,919$1,529$1,211$375
21 years$2,786$2,227$1,765$1,388$1,084$312
22 years$2,632$2,079$1,627$1,262$972$260
23 years$2,491$1,945$1,502$1,149$872$217
24 years$2,362$1,822$1,389$1,048$784$181
25 years$2,243$1,710$1,286$957$705$151
26 years$2,134$1,607$1,193$875$635$126
27 years$2,033$1,512$1,108$801$573$105
28 years$1,939$1,425$1,030$734$517$88
29 years$1,852$1,344$958$673$467$73
30 years$1,771$1,270$893$618$422$61
31 years$1,695$1,200$832$567$381$51
32 years$1,624$1,136$777$521$345$43
33 years$1,558$1,075$725$479$312$36
34 years$1,496$1,019$677$441$283$30
35 years$1,437$967$633$406$256$25
36 years$1,382$918$593$374$232$21
37 years$1,330$872$555$345$210$17
38 years$1,280$828$519$318$191$15
39 years$1,234$788$487$293$173$12
40 years$1,189$749$456$270$157$10
41 years$1,147$713$428$249$142$9
42 years$1,108$679$401$230$129$7
43 years$1,070$647$376$212$117$6
44 years$1,034$617$353$196$106$5
45 years$999$588$332$181$97$4
46 years$967$561$312$167$88$3
47 years$935$536$293$154$80$3
48 years$905$511$275$143$72$2
49 years$877$488$259$132$66$2
50 years$849$466$243$122$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $870,000, adding $2,000 every year, while hoping to spend $47,217 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: 60/28/12 Blend
51$870,000$870,000$870,000$870,000
52$960,803$914,693$901,208$1,015,552
53$1,008,566$909,274$881,160$1,047,183
54$1,059,619$902,008$858,858$1,076,164
55$1,114,247$892,753$834,176$1,106,634
56$1,172,763$881,361$806,984$1,138,739
57$1,235,511$867,673$777,144$1,172,644
58$1,302,867$851,524$744,513$1,208,531
59$1,375,246$832,735$708,940$1,246,603
60$1,453,102$811,119$670,270$1,287,087
61$1,536,932$786,478$628,338$1,330,233
62$1,627,285$758,601$582,974$1,376,320
63$1,724,762$727,267$533,997$1,425,660
64$1,830,024$692,239$481,222$1,478,596
65$1,943,796$653,269$424,453$1,535,511
66$2,066,878$610,093$363,486$1,596,831
67$2,200,145$562,433$298,109$1,663,027
68$2,344,562$509,995$228,098$1,734,624
69$2,501,190$452,468$153,222$1,812,202
70$2,671,195$389,522$73,238$1,896,407
71$2,855,859$320,811$0$1,987,952
72$3,056,594$245,967$0$2,089,183
73$3,274,950$164,604$0$2,209,533
74$3,512,637$76,311$0$2,340,625
75$3,771,532$0$0$2,483,574
76$4,053,703$0$0$2,645,573
77$4,361,426$0$0$2,847,945
78$4,697,206$0$0$3,068,834
79$5,063,799$0$0$3,310,062
80$5,464,241$0$0$3,573,633
81$5,901,871$0$0$3,861,755
82$6,380,368$0$0$4,176,860
83$6,903,782$0$0$4,521,623
84$7,476,571$0$0$4,898,992
85$8,103,646$0$0$5,312,211
86$8,790,413$0$0$5,764,856
87$9,542,827$0$0$6,260,859
88$10,367,444$0$0$6,804,557
89$11,271,487$0$0$7,400,723
90$12,262,909$0$0$8,054,613
91$13,350,470$0$0$8,772,020
92$14,543,820$0$0$9,559,321
93$15,853,587$0$0$10,423,541
94$17,291,479$0$0$11,372,422
95$18,870,392$0$0$12,414,487
96$20,604,532$0$0$13,559,128
97$22,509,549$0$0$14,816,690
98$24,602,683$0$0$16,198,572
99$26,902,928$0$0$17,717,329
100$29,431,207$0$0$19,386,795