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%17.1%
1 years$72,092$71,449$70,823$70,211$69,614$67,603
2 years$35,689$35,024$34,380$33,755$33,150$31,139
3 years$23,556$22,889$22,246$21,627$21,031$19,085
4 years$17,491$16,826$16,190$15,581$15,000$13,132
5 years$13,853$13,191$12,564$11,968$11,403$9,619
6 years$11,428$10,772$10,153$9,571$9,023$7,324
7 years$9,697$9,046$8,437$7,869$7,338$5,725
8 years$8,399$7,754$7,156$6,601$6,087$4,559
9 years$7,390$6,751$6,163$5,623$5,126$3,681
10 years$6,584$5,951$5,373$4,847$4,368$3,004
11 years$5,924$5,298$4,730$4,218$3,757$2,472
12 years$5,375$4,755$4,198$3,700$3,255$2,047
13 years$4,911$4,297$3,751$3,266$2,839$1,704
14 years$4,513$3,906$3,370$2,900$2,488$1,424
15 years$4,169$3,568$3,043$2,586$2,191$1,195
16 years$3,868$3,274$2,759$2,315$1,936$1,005
17 years$3,602$3,015$2,510$2,080$1,717$848
18 years$3,367$2,786$2,292$1,875$1,527$716
19 years$3,156$2,582$2,098$1,694$1,361$606
20 years$2,967$2,399$1,925$1,534$1,215$514
21 years$2,796$2,235$1,771$1,392$1,088$436
22 years$2,641$2,086$1,632$1,266$975$370
23 years$2,499$1,951$1,507$1,153$875$315
24 years$2,370$1,828$1,394$1,052$787$268
25 years$2,251$1,716$1,291$960$708$228
26 years$2,141$1,612$1,197$878$638$194
27 years$2,040$1,517$1,112$804$575$165
28 years$1,946$1,430$1,033$736$519$141
29 years$1,858$1,349$962$675$468$120
30 years$1,777$1,274$896$620$423$102
31 years$1,701$1,204$835$569$383$87
32 years$1,630$1,140$779$523$346$74
33 years$1,563$1,079$728$481$313$64
34 years$1,501$1,023$680$443$284$54
35 years$1,442$970$636$407$257$46
36 years$1,387$921$595$375$233$39
37 years$1,334$875$556$346$211$34
38 years$1,285$831$521$319$191$29
39 years$1,238$790$488$294$173$25
40 years$1,194$752$458$271$157$21
41 years$1,151$716$429$250$143$18
42 years$1,111$682$403$231$129$15
43 years$1,073$649$378$213$118$13
44 years$1,037$619$355$197$107$11
45 years$1,003$590$333$182$97$10
46 years$970$563$313$168$88$8
47 years$938$537$294$155$80$7
48 years$908$513$276$143$73$6
49 years$880$490$259$132$66$5
50 years$852$468$244$122$60$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $873,000, adding $2,017 every year, while hoping to spend $55,623 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: 47/43/10 Blend
51$873,000$873,000$873,000$873,000
52$964,127$917,858$904,326$1,006,689
53$1,003,285$903,650$875,439$1,022,010
54$1,044,573$886,882$843,719$1,032,688
55$1,088,150$867,370$809,014$1,043,009
56$1,134,188$844,918$771,163$1,052,958
57$1,182,876$819,320$729,997$1,062,523
58$1,234,420$790,356$685,343$1,071,693
59$1,289,044$757,797$637,015$1,080,461
60$1,346,994$721,397$584,823$1,088,825
61$1,408,539$680,897$528,566$1,096,787
62$1,473,973$636,023$468,035$1,104,353
63$1,543,616$586,486$403,012$1,111,538
64$1,617,820$531,980$333,269$1,118,361
65$1,696,972$472,181$258,567$1,124,852
66$1,781,491$406,746$178,658$1,131,050
67$1,871,842$335,315$93,281$1,137,004
68$1,968,531$257,507$2,167$1,142,778
69$2,072,114$172,917$0$1,148,447
70$2,183,199$81,120$0$1,164,250
71$2,302,458$0$0$1,181,060
72$2,430,622$0$0$1,207,487
73$2,568,499$0$0$1,277,279
74$2,716,972$0$0$1,352,508
75$2,877,014$0$0$1,433,677
76$3,049,693$0$0$1,521,336
77$3,236,179$0$0$1,616,091
78$3,437,764$0$0$1,718,608
79$3,655,861$0$0$1,829,618
80$3,892,030$0$0$1,949,926
81$4,147,980$0$0$2,080,417
82$4,425,595$0$0$2,222,063
83$4,726,944$0$0$2,375,935
84$5,054,304$0$0$2,543,209
85$5,410,179$0$0$2,725,180
86$5,797,323$0$0$2,923,273
87$6,218,768$0$0$3,139,056
88$6,677,849$0$0$3,374,253
89$7,178,237$0$0$3,630,762
90$7,723,971$0$0$3,910,675
91$8,319,496$0$0$4,216,290
92$8,969,707$0$0$4,550,140
93$9,679,991$0$0$4,915,012
94$10,456,277$0$0$5,313,975
95$11,305,096$0$0$5,750,407
96$12,233,637$0$0$6,228,029
97$13,249,814$0$0$6,750,938
98$14,362,344$0$0$7,323,644
99$15,580,826$0$0$7,951,116
100$16,915,828$0$0$8,638,824