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%14.3%
1 years$71,844$71,204$70,579$69,970$69,375$68,142
2 years$35,566$34,904$34,262$33,639$33,036$31,797
3 years$23,475$22,810$22,170$21,553$20,959$19,754
4 years$17,431$16,768$16,134$15,528$14,948$13,786
5 years$13,805$13,146$12,521$11,927$11,363$10,248
6 years$11,389$10,735$10,118$9,538$8,992$7,923
7 years$9,664$9,015$8,408$7,842$7,313$6,292
8 years$8,371$7,728$7,131$6,578$6,066$5,093
9 years$7,365$6,728$6,142$5,603$5,109$4,182
10 years$6,561$5,931$5,355$4,830$4,353$3,473
11 years$5,904$5,280$4,714$4,204$3,744$2,909
12 years$5,357$4,739$4,184$3,687$3,244$2,453
13 years$4,894$4,282$3,738$3,255$2,829$2,081
14 years$4,498$3,893$3,359$2,890$2,480$1,773
15 years$4,154$3,556$3,032$2,577$2,183$1,517
16 years$3,854$3,263$2,749$2,307$1,930$1,302
17 years$3,590$3,005$2,502$2,073$1,711$1,120
18 years$3,355$2,776$2,284$1,868$1,521$966
19 years$3,145$2,573$2,091$1,688$1,356$835
20 years$2,957$2,391$1,919$1,529$1,211$723
21 years$2,786$2,227$1,765$1,388$1,084$626
22 years$2,632$2,079$1,627$1,262$972$544
23 years$2,491$1,945$1,502$1,149$872$472
24 years$2,362$1,822$1,389$1,048$784$411
25 years$2,243$1,710$1,286$957$705$357
26 years$2,134$1,607$1,193$875$635$311
27 years$2,033$1,512$1,108$801$573$271
28 years$1,939$1,425$1,030$734$517$237
29 years$1,852$1,344$958$673$467$206
30 years$1,771$1,270$893$618$422$180
31 years$1,695$1,200$832$567$381$157
32 years$1,624$1,136$777$521$345$137
33 years$1,558$1,075$725$479$312$120
34 years$1,496$1,019$677$441$283$105
35 years$1,437$967$633$406$256$91
36 years$1,382$918$593$374$232$80
37 years$1,330$872$555$345$210$70
38 years$1,280$828$519$318$191$61
39 years$1,234$788$487$293$173$53
40 years$1,189$749$456$270$157$47
41 years$1,147$713$428$249$142$41
42 years$1,108$679$401$230$129$36
43 years$1,070$647$376$212$117$31
44 years$1,034$617$353$196$106$27
45 years$999$588$332$181$97$24
46 years$967$561$312$167$88$21
47 years$935$536$293$154$80$18
48 years$905$511$275$143$72$16
49 years$877$488$259$132$66$14
50 years$849$466$243$122$60$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $870,000, adding $6,719 every year, while hoping to spend $39,334 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: 59/34/7 Blend
51$870,000$870,000$870,000$870,000
52$965,671$919,561$906,076$1,020,831
53$1,022,318$922,768$894,578$1,061,837
54$1,083,425$924,814$881,377$1,101,447
55$1,149,405$925,601$866,374$1,143,649
56$1,220,713$925,024$849,466$1,188,694
57$1,297,847$922,971$830,544$1,236,858
58$1,381,356$919,325$809,496$1,288,449
59$1,471,843$913,962$786,204$1,343,806
60$1,569,973$906,747$760,543$1,403,304
61$1,676,474$897,541$732,385$1,467,358
62$1,792,148$886,195$701,593$1,536,427
63$1,917,878$872,550$668,028$1,611,017
64$2,054,635$856,438$631,540$1,691,690
65$2,203,487$837,683$591,976$1,779,066
66$2,365,609$816,096$549,174$1,873,830
67$2,542,295$791,478$502,965$1,976,741
68$2,734,968$763,619$453,173$2,088,635
69$2,945,194$732,295$399,613$2,210,440
70$3,174,697$697,272$342,094$2,343,177
71$3,425,377$658,298$280,415$2,487,978
72$3,699,322$615,112$214,365$2,646,093
73$3,998,833$567,432$143,726$2,818,901
74$4,326,442$514,965$68,270$3,007,929
75$4,684,939$457,398$0$3,214,860
76$5,077,395$394,403$0$3,442,473
77$5,507,191$325,630$0$3,697,407
78$5,978,051$250,712$0$3,976,850
79$6,494,076$169,261$0$4,283,328
80$7,059,783$80,866$0$4,619,633
81$7,680,147$0$0$4,988,844
82$8,360,646$0$0$5,399,936
83$9,107,315$0$0$5,884,272
84$9,926,802$0$0$6,415,917
85$10,826,428$0$0$6,999,630
86$11,814,260$0$0$7,640,654
87$12,899,182$0$0$8,344,765
88$14,090,982$0$0$9,118,326
89$15,400,442$0$0$9,968,345
90$16,839,441$0$0$10,902,545
91$18,421,064$0$0$11,929,432
92$20,159,729$0$0$13,058,379
93$22,071,319$0$0$14,299,710
94$24,173,333$0$0$15,664,803
95$26,485,051$0$0$17,166,191
96$29,027,714$0$0$18,817,683
97$31,824,726$0$0$20,634,495
98$34,901,873$0$0$22,633,389
99$38,287,566$0$0$24,832,837
100$42,013,110$0$0$27,253,191