Can I retire at age 52 with 874,000?

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 $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%17.2%
1 years$72,174$71,531$70,904$70,292$69,694$67,653
2 years$35,730$35,064$34,419$33,794$33,188$31,148
3 years$23,583$22,915$22,272$21,652$21,056$19,081
4 years$17,511$16,845$16,208$15,599$15,017$13,123
5 years$13,869$13,207$12,578$11,982$11,416$9,607
6 years$11,441$10,784$10,165$9,582$9,033$7,311
7 years$9,708$9,057$8,447$7,878$7,346$5,712
8 years$8,409$7,763$7,164$6,608$6,094$4,546
9 years$7,399$6,759$6,170$5,629$5,132$3,668
10 years$6,591$5,958$5,379$4,852$4,373$2,992
11 years$5,931$5,304$4,736$4,223$3,761$2,460
12 years$5,381$4,761$4,203$3,704$3,259$2,036
13 years$4,916$4,302$3,755$3,270$2,842$1,693
14 years$4,518$3,911$3,374$2,903$2,491$1,415
15 years$4,174$3,572$3,046$2,589$2,194$1,186
16 years$3,872$3,278$2,762$2,318$1,939$997
17 years$3,607$3,019$2,513$2,083$1,719$840
18 years$3,371$2,789$2,294$1,877$1,528$709
19 years$3,160$2,585$2,100$1,696$1,362$600
20 years$2,970$2,402$1,927$1,536$1,217$508
21 years$2,799$2,238$1,773$1,394$1,089$431
22 years$2,644$2,089$1,634$1,268$976$365
23 years$2,502$1,953$1,509$1,154$876$310
24 years$2,372$1,830$1,395$1,053$788$264
25 years$2,253$1,718$1,292$962$709$224
26 years$2,144$1,614$1,199$879$638$191
27 years$2,042$1,519$1,113$805$576$162
28 years$1,948$1,432$1,035$737$519$138
29 years$1,861$1,351$963$676$469$118
30 years$1,779$1,275$897$620$424$100
31 years$1,703$1,206$836$570$383$86
32 years$1,632$1,141$780$524$346$73
33 years$1,565$1,080$728$482$314$62
34 years$1,503$1,024$681$443$284$53
35 years$1,444$971$636$408$257$45
36 years$1,388$922$595$376$233$39
37 years$1,336$876$557$346$211$33
38 years$1,286$832$522$319$191$28
39 years$1,239$791$489$294$174$24
40 years$1,195$753$458$271$157$20
41 years$1,153$717$430$250$143$17
42 years$1,113$682$403$231$130$15
43 years$1,075$650$378$213$118$13
44 years$1,038$620$355$197$107$11
45 years$1,004$591$333$182$97$9
46 years$971$564$313$168$88$8
47 years$940$538$294$155$80$7
48 years$910$514$276$143$73$6
49 years$881$490$260$133$66$5
50 years$853$469$244$123$60$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $874,000, adding $3,243 every year, while hoping to spend $48,241 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: 54/34/12 Blend
51$874,000$874,000$874,000$874,000
52$966,493$920,171$906,624$1,015,515
53$1,013,747$913,931$885,668$1,042,953
54$1,064,205$905,769$862,393$1,067,304
55$1,118,141$895,539$836,671$1,092,688
56$1,175,858$883,088$808,366$1,119,213
57$1,237,689$868,252$777,339$1,147,002
58$1,303,995$850,858$743,442$1,176,191
59$1,375,177$830,724$706,521$1,206,933
60$1,451,671$807,656$666,416$1,239,400
61$1,533,959$781,449$622,959$1,273,783
62$1,622,569$751,886$575,974$1,310,299
63$1,718,079$718,737$525,277$1,349,187
64$1,821,127$681,758$470,678$1,390,715
65$1,932,411$640,694$411,974$1,435,184
66$2,052,700$595,271$348,959$1,482,928
67$2,182,840$545,203$281,413$1,534,320
68$2,323,757$490,186$209,108$1,589,777
69$2,476,473$429,898$131,806$1,649,761
70$2,642,111$364,001$49,259$1,714,789
71$2,821,905$292,135$0$1,785,437
72$3,017,212$213,922$0$1,867,314
73$3,229,525$128,963$0$1,963,216
74$3,460,489$36,833$0$2,067,653
75$3,711,909$0$0$2,181,544
76$3,985,775$0$0$2,329,440
77$4,284,276$0$0$2,505,736
78$4,609,821$0$0$2,698,083
79$4,965,061$0$0$2,908,058
80$5,352,914$0$0$3,137,395
81$5,776,592$0$0$3,388,005
82$6,239,632$0$0$3,661,991
83$6,745,929$0$0$3,961,668
84$7,299,767$0$0$4,289,587
85$7,905,869$0$0$4,648,553
86$8,569,431$0$0$5,041,660
87$9,296,177$0$0$5,472,310
88$10,092,410$0$0$5,944,253
89$10,965,072$0$0$6,461,618
90$11,921,807$0$0$7,028,952
91$12,971,035$0$0$7,651,265
92$14,122,031$0$0$8,334,071
93$15,385,008$0$0$9,083,450
94$16,771,219$0$0$9,906,092
95$18,293,057$0$0$10,809,373
96$19,964,175$0$0$11,801,413
97$21,799,611$0$0$12,891,160
98$23,815,932$0$0$14,088,470
99$26,031,391$0$0$15,404,202
100$28,466,093$0$0$16,850,318