Can I retire at age 52 with 874,000?

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 $874,000?

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 years$72,174$71,531$70,904$70,292$69,694$68,539
2 years$35,730$35,064$34,419$33,794$33,188$32,028
3 years$23,583$22,915$22,272$21,652$21,056$19,927
4 years$17,511$16,845$16,208$15,599$15,017$13,928
5 years$13,869$13,207$12,578$11,982$11,416$10,369
6 years$11,441$10,784$10,165$9,582$9,033$8,030
7 years$9,708$9,057$8,447$7,878$7,346$6,387
8 years$8,409$7,763$7,164$6,608$6,094$5,180
9 years$7,399$6,759$6,170$5,629$5,132$4,261
10 years$6,591$5,958$5,379$4,852$4,373$3,544
11 years$5,931$5,304$4,736$4,223$3,761$2,974
12 years$5,381$4,761$4,203$3,704$3,259$2,513
13 years$4,916$4,302$3,755$3,270$2,842$2,136
14 years$4,518$3,911$3,374$2,903$2,491$1,824
15 years$4,174$3,572$3,046$2,589$2,194$1,563
16 years$3,872$3,278$2,762$2,318$1,939$1,344
17 years$3,607$3,019$2,513$2,083$1,719$1,159
18 years$3,371$2,789$2,294$1,877$1,528$1,002
19 years$3,160$2,585$2,100$1,696$1,362$868
20 years$2,970$2,402$1,927$1,536$1,217$753
21 years$2,799$2,238$1,773$1,394$1,089$654
22 years$2,644$2,089$1,634$1,268$976$569
23 years$2,502$1,953$1,509$1,154$876$496
24 years$2,372$1,830$1,395$1,053$788$432
25 years$2,253$1,718$1,292$962$709$377
26 years$2,144$1,614$1,199$879$638$329
27 years$2,042$1,519$1,113$805$576$287
28 years$1,948$1,432$1,035$737$519$251
29 years$1,861$1,351$963$676$469$220
30 years$1,779$1,275$897$620$424$192
31 years$1,703$1,206$836$570$383$168
32 years$1,632$1,141$780$524$346$147
33 years$1,565$1,080$728$482$314$129
34 years$1,503$1,024$681$443$284$113
35 years$1,444$971$636$408$257$99
36 years$1,388$922$595$376$233$87
37 years$1,336$876$557$346$211$76
38 years$1,286$832$522$319$191$66
39 years$1,239$791$489$294$174$58
40 years$1,195$753$458$271$157$51
41 years$1,153$717$430$250$143$45
42 years$1,113$682$403$231$130$39
43 years$1,075$650$378$213$118$34
44 years$1,038$620$355$197$107$30
45 years$1,004$591$333$182$97$26
46 years$971$564$313$168$88$23
47 years$940$538$294$155$80$20
48 years$910$514$276$143$73$18
49 years$881$490$260$133$66$16
50 years$853$469$244$123$60$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $874,000, adding $4,685 every year, while hoping to spend $57,450 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: 38/43/19 Blend
51$874,000$874,000$874,000$874,000
52$967,981$921,659$908,112$999,086
53$1,005,588$905,693$877,407$1,005,970
54$1,045,106$887,021$843,748$1,007,614
55$1,086,669$865,447$806,976$1,008,198
56$1,130,423$840,767$766,923$1,007,658
57$1,176,526$812,765$723,415$1,005,930
58$1,225,152$781,210$676,270$1,002,946
59$1,276,489$745,862$625,296$998,639
60$1,330,744$706,461$570,296$992,939
61$1,388,140$662,738$511,062$985,779
62$1,448,923$614,405$447,375$977,088
63$1,513,360$561,158$379,009$966,798
64$1,581,744$502,676$305,727$954,839
65$1,654,395$438,620$227,282$941,144
66$1,731,663$368,632$143,416$925,647
67$1,813,931$292,333$53,858$908,286
68$1,901,617$209,323$0$889,000
69$1,995,181$119,179$0$876,191
70$2,095,127$21,455$0$873,552
71$2,202,004$0$0$870,172
72$2,316,418$0$0$905,976
73$2,439,031$0$0$955,304
74$2,570,571$0$0$1,008,307
75$2,711,834$0$0$1,065,315
76$2,863,697$0$0$1,126,695
77$3,027,120$0$0$1,192,847
78$3,203,160$0$0$1,264,209
79$3,392,974$0$0$1,341,265
80$3,597,837$0$0$1,424,547
81$3,819,147$0$0$1,514,637
82$4,058,443$0$0$1,612,178
83$4,317,413$0$0$1,717,873
84$4,597,916$0$0$1,832,499
85$4,901,995$0$0$1,956,908
86$5,231,895$0$0$2,092,037
87$5,590,087$0$0$2,238,919
88$5,979,287$0$0$2,398,688
89$6,402,484$0$0$2,572,593
90$6,862,967$0$0$2,762,006
91$7,364,353$0$0$2,968,441
92$7,910,623$0$0$3,193,560
93$8,506,159$0$0$3,439,195
94$9,155,782$0$0$3,707,362
95$9,864,799$0$0$4,000,278
96$10,639,052$0$0$4,320,388
97$11,484,973$0$0$4,670,378
98$12,409,641$0$0$5,053,212
99$13,420,851$0$0$5,472,147
100$14,527,185$0$0$5,930,775