Can I retire at age 52 with 873,000?

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 $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%15.6%
1 years$72,092$71,449$70,823$70,211$69,614$68,014
2 years$35,689$35,024$34,380$33,755$33,150$31,546
3 years$23,556$22,889$22,246$21,627$21,031$19,475
4 years$17,491$16,826$16,190$15,581$15,000$13,503
5 years$13,853$13,191$12,564$11,968$11,403$9,968
6 years$11,428$10,772$10,153$9,571$9,023$7,653
7 years$9,697$9,046$8,437$7,869$7,338$6,033
8 years$8,399$7,754$7,156$6,601$6,087$4,847
9 years$7,390$6,751$6,163$5,623$5,126$3,949
10 years$6,584$5,951$5,373$4,847$4,368$3,253
11 years$5,924$5,298$4,730$4,218$3,757$2,702
12 years$5,375$4,755$4,198$3,700$3,255$2,260
13 years$4,911$4,297$3,751$3,266$2,839$1,900
14 years$4,513$3,906$3,370$2,900$2,488$1,605
15 years$4,169$3,568$3,043$2,586$2,191$1,361
16 years$3,868$3,274$2,759$2,315$1,936$1,157
17 years$3,602$3,015$2,510$2,080$1,717$986
18 years$3,367$2,786$2,292$1,875$1,527$843
19 years$3,156$2,582$2,098$1,694$1,361$721
20 years$2,967$2,399$1,925$1,534$1,215$618
21 years$2,796$2,235$1,771$1,392$1,088$531
22 years$2,641$2,086$1,632$1,266$975$456
23 years$2,499$1,951$1,507$1,153$875$392
24 years$2,370$1,828$1,394$1,052$787$338
25 years$2,251$1,716$1,291$960$708$291
26 years$2,141$1,612$1,197$878$638$251
27 years$2,040$1,517$1,112$804$575$216
28 years$1,946$1,430$1,033$736$519$186
29 years$1,858$1,349$962$675$468$161
30 years$1,777$1,274$896$620$423$139
31 years$1,701$1,204$835$569$383$120
32 years$1,630$1,140$779$523$346$104
33 years$1,563$1,079$728$481$313$89
34 years$1,501$1,023$680$443$284$77
35 years$1,442$970$636$407$257$67
36 years$1,387$921$595$375$233$58
37 years$1,334$875$556$346$211$50
38 years$1,285$831$521$319$191$43
39 years$1,238$790$488$294$173$37
40 years$1,194$752$458$271$157$32
41 years$1,151$716$429$250$143$28
42 years$1,111$682$403$231$129$24
43 years$1,073$649$378$213$118$21
44 years$1,037$619$355$197$107$18
45 years$1,003$590$333$182$97$16
46 years$970$563$313$168$88$13
47 years$938$537$294$155$80$12
48 years$908$513$276$143$73$10
49 years$880$490$259$132$66$9
50 years$852$468$244$122$60$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $873,000, adding $2,026 every year, while hoping to spend $51,003 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: 61/14/25 Blend
51$873,000$873,000$873,000$873,000
52$964,136$917,867$904,335$1,016,405
53$1,008,211$908,575$880,364$1,042,840
54$1,055,072$897,119$853,880$1,065,948
55$1,104,950$883,339$824,745$1,090,062
56$1,158,097$867,064$792,816$1,115,290
57$1,214,788$848,116$757,941$1,141,751
58$1,275,327$826,304$719,963$1,169,580
59$1,340,045$801,428$678,716$1,198,929
60$1,409,305$773,273$634,028$1,229,965
61$1,483,505$741,615$585,719$1,262,878
62$1,563,084$706,214$533,602$1,297,877
63$1,648,519$666,820$477,478$1,335,197
64$1,740,338$623,164$417,144$1,375,099
65$1,839,118$574,964$352,383$1,417,877
66$1,945,493$521,923$282,974$1,463,853
67$2,060,161$463,724$208,680$1,513,390
68$2,183,885$400,035$129,259$1,566,891
69$2,317,508$330,503$44,456$1,624,803
70$2,461,952$254,756$0$1,687,624
71$2,618,234$172,402$0$1,768,190
72$2,787,469$83,025$0$1,868,287
73$2,970,884$0$0$1,976,803
74$3,169,830$0$0$2,096,706
75$3,385,788$0$0$2,240,803
76$3,620,393$0$0$2,397,401
77$3,875,439$0$0$2,567,704
78$4,152,902$0$0$2,753,040
79$4,454,953$0$0$2,954,869
80$4,783,986$0$0$3,174,796
81$5,142,630$0$0$3,414,590
82$5,533,783$0$0$3,676,195
83$5,960,631$0$0$3,961,754
84$6,426,683$0$0$4,273,623
85$6,935,802$0$0$4,614,397
86$7,492,239$0$0$4,986,934
87$8,100,676$0$0$5,394,378
88$8,766,267$0$0$5,840,193
89$9,494,687$0$0$6,328,192
90$10,292,184$0$0$6,862,575
91$11,165,641$0$0$7,447,965
92$12,122,636$0$0$8,089,455
93$13,171,514$0$0$8,792,654
94$14,321,468$0$0$9,563,738
95$15,582,620$0$0$10,409,512
96$16,966,121$0$0$11,337,468
97$18,484,253$0$0$12,355,860
98$20,150,543$0$0$13,473,780
99$21,979,893$0$0$14,701,244
100$23,988,718$0$0$16,049,282