Can I retire at age 52 with 871,000?

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 $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%14.1%
1 years$71,926$71,286$70,661$70,051$69,455$68,276
2 years$35,607$34,944$34,301$33,678$33,074$31,890
3 years$23,502$22,836$22,195$21,578$20,983$19,831
4 years$17,451$16,787$16,152$15,546$14,965$13,854
5 years$13,821$13,161$12,535$11,941$11,377$10,309
6 years$11,402$10,747$10,130$9,549$9,002$7,979
7 years$9,675$9,025$8,418$7,851$7,321$6,343
8 years$8,380$7,736$7,139$6,586$6,073$5,141
9 years$7,374$6,736$6,149$5,610$5,115$4,227
10 years$6,569$5,937$5,361$4,836$4,358$3,514
11 years$5,911$5,286$4,720$4,208$3,748$2,947
12 years$5,363$4,744$4,189$3,691$3,248$2,488
13 years$4,900$4,287$3,742$3,259$2,832$2,113
14 years$4,503$3,897$3,362$2,893$2,483$1,803
15 years$4,159$3,560$3,036$2,580$2,186$1,545
16 years$3,859$3,266$2,752$2,310$1,932$1,327
17 years$3,594$3,008$2,505$2,076$1,713$1,144
18 years$3,359$2,780$2,286$1,870$1,523$988
19 years$3,149$2,576$2,093$1,690$1,358$855
20 years$2,960$2,394$1,921$1,531$1,213$741
21 years$2,790$2,230$1,767$1,389$1,085$644
22 years$2,635$2,081$1,628$1,263$973$559
23 years$2,494$1,947$1,504$1,150$873$487
24 years$2,364$1,824$1,391$1,049$785$424
25 years$2,246$1,712$1,288$958$706$370
26 years$2,136$1,609$1,194$876$636$322
27 years$2,035$1,514$1,109$802$574$281
28 years$1,941$1,427$1,031$735$518$246
29 years$1,854$1,346$960$674$467$215
30 years$1,773$1,271$894$618$422$188
31 years$1,697$1,202$833$568$382$164
32 years$1,626$1,137$777$522$345$143
33 years$1,560$1,077$726$480$313$126
34 years$1,497$1,020$678$442$283$110
35 years$1,439$968$634$407$256$96
36 years$1,383$919$593$374$232$84
37 years$1,331$873$555$345$210$74
38 years$1,282$829$520$318$191$64
39 years$1,235$788$487$293$173$56
40 years$1,191$750$457$270$157$49
41 years$1,149$714$428$249$142$43
42 years$1,109$680$402$230$129$38
43 years$1,071$648$377$213$117$33
44 years$1,035$618$354$196$106$29
45 years$1,000$589$332$181$97$26
46 years$968$562$312$167$88$22
47 years$936$536$293$155$80$20
48 years$906$512$275$143$72$17
49 years$878$489$259$132$66$15
50 years$850$467$243$122$60$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $871,000, adding $5,065 every year, while hoping to spend $41,949 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: 65/10/25 Blend
51$871,000$871,000$871,000$871,000
52$965,067$918,904$905,403$1,021,188
53$1,018,870$919,296$891,101$1,060,041
54$1,076,755$918,303$874,913$1,097,329
55$1,139,095$915,810$856,733$1,137,139
56$1,206,297$911,699$836,448$1,179,723
57$1,278,811$905,844$813,941$1,225,358
58$1,357,129$898,110$789,087$1,274,351
59$1,441,794$888,355$761,760$1,327,043
60$1,533,402$876,429$731,823$1,383,811
61$1,632,606$862,172$699,137$1,445,069
62$1,740,128$845,414$663,554$1,511,279
63$1,856,758$825,976$624,920$1,582,948
64$1,983,367$803,669$583,075$1,660,639
65$2,120,913$778,291$537,850$1,744,973
66$2,270,449$749,630$489,071$1,836,638
67$2,433,133$717,460$436,553$1,936,392
68$2,610,241$681,544$380,105$2,045,075
69$2,803,174$641,629$319,528$2,163,613
70$3,013,478$597,448$254,612$2,293,030
71$3,242,851$548,721$185,140$2,434,457
72$3,493,162$495,150$110,883$2,589,145
73$3,766,471$436,418$31,604$2,758,474
74$4,065,044$372,195$0$2,943,966
75$4,391,373$302,128$0$3,161,445
76$4,748,207$225,846$0$3,408,546
77$5,138,569$142,957$0$3,678,954
78$5,565,788$53,047$0$3,975,010
79$6,033,531$0$0$4,299,295
80$6,545,834$0$0$4,659,527
81$7,107,144$0$0$5,060,672
82$7,722,358$0$0$5,500,398
83$8,396,867$0$0$5,982,569
84$9,136,611$0$0$6,511,436
85$9,948,131$0$0$7,091,685
86$10,838,634$0$0$7,728,476
87$11,816,056$0$0$8,427,493
88$12,889,138$0$0$9,194,997
89$14,067,513$0$0$10,037,886
90$15,361,787$0$0$10,963,757
91$16,783,648$0$0$11,980,979
92$18,345,971$0$0$13,098,775
93$20,062,937$0$0$14,327,301
94$21,950,173$0$0$15,677,749
95$24,024,893$0$0$17,162,448
96$26,306,062$0$0$18,794,982
97$28,814,574$0$0$20,590,316
98$31,573,452$0$0$22,564,939
99$34,608,059$0$0$24,737,017
100$37,946,341$0$0$27,126,567