Can I retire at age 52 with 871,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $871,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$71,926$71,286$70,661$70,051$69,455$68,587
2 years$35,607$34,944$34,301$33,678$33,074$32,200
3 years$23,502$22,836$22,195$21,578$20,983$20,132
4 years$17,451$16,787$16,152$15,546$14,965$14,142
5 years$13,821$13,161$12,535$11,941$11,377$10,584
6 years$11,402$10,747$10,130$9,549$9,002$8,241
7 years$9,675$9,025$8,418$7,851$7,321$6,592
8 years$8,380$7,736$7,139$6,586$6,073$5,376
9 years$7,374$6,736$6,149$5,610$5,115$4,449
10 years$6,569$5,937$5,361$4,836$4,358$3,724
11 years$5,911$5,286$4,720$4,208$3,748$3,144
12 years$5,363$4,744$4,189$3,691$3,248$2,674
13 years$4,900$4,287$3,742$3,259$2,832$2,287
14 years$4,503$3,897$3,362$2,893$2,483$1,966
15 years$4,159$3,560$3,036$2,580$2,186$1,697
16 years$3,859$3,266$2,752$2,310$1,932$1,470
17 years$3,594$3,008$2,505$2,076$1,713$1,276
18 years$3,359$2,780$2,286$1,870$1,523$1,111
19 years$3,149$2,576$2,093$1,690$1,358$969
20 years$2,960$2,394$1,921$1,531$1,213$847
21 years$2,790$2,230$1,767$1,389$1,085$742
22 years$2,635$2,081$1,628$1,263$973$650
23 years$2,494$1,947$1,504$1,150$873$571
24 years$2,364$1,824$1,391$1,049$785$501
25 years$2,246$1,712$1,288$958$706$441
26 years$2,136$1,609$1,194$876$636$388
27 years$2,035$1,514$1,109$802$574$341
28 years$1,941$1,427$1,031$735$518$301
29 years$1,854$1,346$960$674$467$265
30 years$1,773$1,271$894$618$422$234
31 years$1,697$1,202$833$568$382$206
32 years$1,626$1,137$777$522$345$182
33 years$1,560$1,077$726$480$313$161
34 years$1,497$1,020$678$442$283$142
35 years$1,439$968$634$407$256$125
36 years$1,383$919$593$374$232$111
37 years$1,331$873$555$345$210$98
38 years$1,282$829$520$318$191$87
39 years$1,235$788$487$293$173$77
40 years$1,191$750$457$270$157$68
41 years$1,149$714$428$249$142$60
42 years$1,109$680$402$230$129$53
43 years$1,071$648$377$213$117$47
44 years$1,035$618$354$196$106$41
45 years$1,000$589$332$181$97$37
46 years$968$562$312$167$88$32
47 years$936$536$293$155$80$29
48 years$906$512$275$143$72$25
49 years$878$489$259$132$66$22
50 years$850$467$243$122$60$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $871,000, adding $6,070 every year, while hoping to spend $34,946 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: 59/19/22 Blend
51$871,000$871,000$871,000$871,000
52$966,103$919,940$906,440$1,017,110
53$1,027,463$927,835$899,623$1,060,368
54$1,093,911$934,945$891,407$1,103,210
55$1,165,929$941,196$881,708$1,149,168
56$1,244,045$946,507$870,437$1,198,549
57$1,328,845$950,792$857,503$1,251,696
58$1,420,968$953,962$842,810$1,308,986
59$1,521,119$955,919$826,258$1,370,834
60$1,630,076$956,562$807,739$1,437,701
61$1,748,691$955,780$787,146$1,510,096
62$1,877,903$953,459$764,361$1,588,580
63$2,018,747$949,476$739,265$1,673,773
64$2,172,360$943,701$711,731$1,766,360
65$2,339,993$935,996$681,627$1,867,098
66$2,523,026$926,213$648,815$1,976,823
67$2,722,976$914,199$613,151$2,096,457
68$2,941,512$899,787$574,485$2,227,020
69$3,180,474$882,804$532,658$2,369,637
70$3,441,887$863,066$487,506$2,525,550
71$3,727,979$840,376$438,857$2,696,130
72$4,041,205$814,527$386,531$2,882,892
73$4,384,270$785,300$330,341$3,087,506
74$4,760,149$752,463$270,091$3,311,819
75$5,172,121$715,771$205,577$3,557,866
76$5,623,797$674,964$136,583$3,827,895
77$6,119,154$629,767$62,888$4,124,385
78$6,662,572$579,889$0$4,450,075
79$7,258,875$525,025$0$4,811,684
80$7,913,378$464,849$0$5,224,840
81$8,631,934$399,018$0$5,678,503
82$9,420,992$327,170$0$6,176,792
83$10,287,655$248,923$0$6,724,250
84$11,239,747$163,872$0$7,325,883
85$12,285,890$71,590$0$7,987,210
86$13,435,579$0$0$8,714,316
87$14,699,277$0$0$9,519,839
88$16,088,511$0$0$10,421,915
89$17,615,978$0$0$11,413,831
90$19,295,670$0$0$12,504,681
91$21,143,000$0$0$13,704,488
92$23,174,952$0$0$15,024,291
93$25,410,238$0$0$16,476,256
94$27,869,473$0$0$18,073,784
95$30,575,372$0$0$19,831,645
96$33,552,965$0$0$21,766,109
97$36,829,827$0$0$23,895,104
98$40,436,345$0$0$26,238,386
99$44,405,999$0$0$28,817,722
100$48,775,680$0$0$31,657,094