Can I retire at age 52 with 873,000?

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 $873,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19%
1 years$72,092$71,449$70,823$70,211$69,614$67,091
2 years$35,689$35,024$34,380$33,755$33,150$30,635
3 years$23,556$22,889$22,246$21,627$21,031$18,605
4 years$17,491$16,826$16,190$15,581$15,000$12,680
5 years$13,853$13,191$12,564$11,968$11,403$9,195
6 years$11,428$10,772$10,153$9,571$9,023$6,929
7 years$9,697$9,046$8,437$7,869$7,338$5,358
8 years$8,399$7,754$7,156$6,601$6,087$4,219
9 years$7,390$6,751$6,163$5,623$5,126$3,367
10 years$6,584$5,951$5,373$4,847$4,368$2,715
11 years$5,924$5,298$4,730$4,218$3,757$2,207
12 years$5,375$4,755$4,198$3,700$3,255$1,804
13 years$4,911$4,297$3,751$3,266$2,839$1,483
14 years$4,513$3,906$3,370$2,900$2,488$1,223
15 years$4,169$3,568$3,043$2,586$2,191$1,013
16 years$3,868$3,274$2,759$2,315$1,936$840
17 years$3,602$3,015$2,510$2,080$1,717$699
18 years$3,367$2,786$2,292$1,875$1,527$582
19 years$3,156$2,582$2,098$1,694$1,361$486
20 years$2,967$2,399$1,925$1,534$1,215$406
21 years$2,796$2,235$1,771$1,392$1,088$339
22 years$2,641$2,086$1,632$1,266$975$284
23 years$2,499$1,951$1,507$1,153$875$238
24 years$2,370$1,828$1,394$1,052$787$199
25 years$2,251$1,716$1,291$960$708$167
26 years$2,141$1,612$1,197$878$638$140
27 years$2,040$1,517$1,112$804$575$117
28 years$1,946$1,430$1,033$736$519$99
29 years$1,858$1,349$962$675$468$83
30 years$1,777$1,274$896$620$423$69
31 years$1,701$1,204$835$569$383$58
32 years$1,630$1,140$779$523$346$49
33 years$1,563$1,079$728$481$313$41
34 years$1,501$1,023$680$443$284$35
35 years$1,442$970$636$407$257$29
36 years$1,387$921$595$375$233$24
37 years$1,334$875$556$346$211$20
38 years$1,285$831$521$319$191$17
39 years$1,238$790$488$294$173$14
40 years$1,194$752$458$271$157$12
41 years$1,151$716$429$250$143$10
42 years$1,111$682$403$231$129$9
43 years$1,073$649$378$213$118$7
44 years$1,037$619$355$197$107$6
45 years$1,003$590$333$182$97$5
46 years$970$563$313$168$88$4
47 years$938$537$294$155$80$4
48 years$908$513$276$143$73$3
49 years$880$490$259$132$66$3
50 years$852$468$244$122$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $873,000, adding $4,864 every year, while hoping to spend $26,801 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: 65/15/20 Blend
51$873,000$873,000$873,000$873,000
52$967,063$920,794$907,263$1,024,722
53$1,037,188$937,397$909,140$1,080,647
54$1,113,566$953,915$910,182$1,138,244
55$1,196,809$970,316$910,332$1,200,557
56$1,287,587$986,565$909,532$1,268,050
57$1,386,639$1,002,624$907,718$1,341,232
58$1,494,777$1,018,454$904,828$1,420,666
59$1,612,896$1,034,010$900,791$1,506,972
60$1,741,981$1,049,246$895,537$1,600,834
61$1,883,116$1,064,113$888,992$1,703,005
62$2,037,497$1,078,557$881,075$1,814,317
63$2,206,436$1,092,521$871,706$1,935,685
64$2,391,383$1,105,945$860,799$2,068,118
65$2,593,931$1,118,762$848,262$2,212,730
66$2,815,835$1,130,905$834,002$2,370,748
67$3,059,030$1,142,299$817,921$2,543,525
68$3,325,643$1,152,864$799,913$2,732,552
69$3,618,021$1,162,516$779,873$2,939,473
70$3,938,746$1,171,166$757,685$3,166,102
71$4,290,662$1,178,718$733,232$3,414,436
72$4,676,905$1,185,071$706,391$3,686,679
73$5,100,925$1,190,115$677,031$3,985,260
74$5,566,525$1,193,736$645,017$4,312,856
75$6,077,893$1,195,812$610,207$4,672,419
76$6,639,644$1,196,212$572,455$5,067,203
77$7,256,860$1,194,799$531,604$5,500,796
78$7,935,141$1,191,426$487,495$5,977,153
79$8,680,657$1,185,936$439,957$6,500,633
80$9,500,203$1,178,167$388,815$7,076,041
81$10,401,268$1,167,941$333,884$7,708,678
82$11,392,100$1,155,073$274,972$8,404,381
83$12,481,790$1,139,367$211,879$9,169,591
84$13,680,350$1,120,614$144,395$10,011,403
85$14,998,814$1,098,592$72,301$10,937,640
86$16,449,338$1,073,068$0$11,956,927
87$18,045,316$1,043,794$0$13,079,759
88$19,801,506$1,010,507$0$14,332,154
89$21,734,166$972,929$0$15,710,270
90$23,861,215$930,766$0$17,226,894
91$26,202,393$883,708$0$18,896,117
92$28,779,452$831,425$0$20,733,469
93$31,616,361$773,569$0$22,756,063
94$34,739,528$709,772$0$24,982,756
95$38,178,054$639,645$0$27,434,334
96$41,964,006$562,778$0$30,133,698
97$46,132,716$478,736$0$33,106,091
98$50,723,119$387,060$0$36,379,327
99$55,778,116$287,265$0$39,984,060
100$61,344,982$178,838$0$43,954,073