Can I retire at age 52 with 876,000?

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 $876,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.9%
1 years$72,339$71,695$71,066$70,453$69,853$67,348
2 years$35,812$35,145$34,498$33,871$33,264$30,767
3 years$23,637$22,967$22,323$21,702$21,104$18,694
4 years$17,551$16,883$16,245$15,635$15,051$12,747
5 years$13,901$13,237$12,607$12,009$11,442$9,248
6 years$11,468$10,809$10,188$9,604$9,054$6,973
7 years$9,730$9,077$8,466$7,896$7,363$5,395
8 years$8,428$7,781$7,180$6,624$6,108$4,251
9 years$7,416$6,775$6,184$5,642$5,144$3,395
10 years$6,606$5,972$5,392$4,863$4,383$2,739
11 years$5,945$5,316$4,747$4,233$3,770$2,228
12 years$5,394$4,771$4,213$3,713$3,267$1,823
13 years$4,928$4,312$3,764$3,278$2,849$1,499
14 years$4,529$3,919$3,382$2,909$2,497$1,237
15 years$4,183$3,581$3,053$2,595$2,199$1,025
16 years$3,881$3,285$2,768$2,323$1,943$851
17 years$3,615$3,025$2,519$2,087$1,723$708
18 years$3,378$2,796$2,299$1,881$1,532$590
19 years$3,167$2,591$2,105$1,700$1,365$493
20 years$2,977$2,408$1,932$1,540$1,220$412
21 years$2,806$2,243$1,777$1,397$1,091$345
22 years$2,650$2,093$1,638$1,270$978$289
23 years$2,508$1,958$1,512$1,157$878$242
24 years$2,378$1,834$1,399$1,055$789$203
25 years$2,258$1,722$1,295$964$710$170
26 years$2,148$1,618$1,201$881$640$143
27 years$2,047$1,523$1,116$807$577$120
28 years$1,952$1,435$1,037$739$520$101
29 years$1,865$1,354$965$678$470$85
30 years$1,783$1,278$899$622$425$71
31 years$1,707$1,208$838$571$384$60
32 years$1,636$1,143$782$525$347$50
33 years$1,569$1,083$730$483$314$42
34 years$1,506$1,026$682$444$285$35
35 years$1,447$973$638$409$258$30
36 years$1,391$924$597$377$234$25
37 years$1,339$878$558$347$212$21
38 years$1,289$834$523$320$192$18
39 years$1,242$793$490$295$174$15
40 years$1,198$754$459$272$158$13
41 years$1,155$718$431$251$143$11
42 years$1,115$684$404$232$130$9
43 years$1,077$652$379$214$118$7
44 years$1,041$621$356$197$107$6
45 years$1,006$592$334$182$97$5
46 years$973$565$314$168$88$4
47 years$942$539$295$156$80$4
48 years$912$515$277$144$73$3
49 years$883$492$260$133$66$3
50 years$855$470$245$123$60$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $876,000, adding $6,607 every year, while hoping to spend $52,529 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: 68/23/9 Blend
51$876,000$876,000$876,000$876,000
52$972,167$925,739$912,161$1,036,131
53$1,015,438$915,210$886,828$1,068,904
54$1,061,361$902,404$858,886$1,097,776
55$1,110,153$887,155$828,191$1,127,957
56$1,162,049$869,285$794,596$1,159,565
57$1,217,305$848,608$757,942$1,192,736
58$1,276,205$824,924$718,068$1,227,616
59$1,339,056$798,024$674,802$1,264,372
60$1,406,198$767,685$627,966$1,303,187
61$1,478,001$733,672$577,373$1,344,264
62$1,554,871$695,737$522,829$1,387,830
63$1,637,255$653,615$464,131$1,434,137
64$1,725,641$607,028$401,065$1,483,465
65$1,820,566$555,682$333,411$1,536,124
66$1,922,619$499,266$260,936$1,592,459
67$2,032,447$437,451$183,398$1,652,854
68$2,150,760$369,888$100,544$1,717,733
69$2,278,337$296,212$12,112$1,787,567
70$2,416,035$216,035$0$1,862,879
71$2,564,795$128,945$0$1,952,150
72$2,725,652$34,512$0$2,049,877
73$2,899,743$0$0$2,155,638
74$3,088,318$0$0$2,287,394
75$3,292,750$0$0$2,439,741
76$3,514,552$0$0$2,605,077
77$3,755,384$0$0$2,784,646
78$4,017,075$0$0$2,979,818
79$4,301,636$0$0$3,192,099
80$4,611,279$0$0$3,423,145
81$4,948,438$0$0$3,674,779
82$5,315,792$0$0$3,949,007
83$5,716,288$0$0$4,248,039
84$6,153,171$0$0$4,574,302
85$6,630,011$0$0$4,930,473
86$7,150,740$0$0$5,319,496
87$7,719,683$0$0$5,744,611
88$8,341,605$0$0$6,209,388
89$9,021,750$0$0$6,717,755
90$9,765,893$0$0$7,274,038
91$10,580,392$0$0$7,883,001
92$11,472,249$0$0$8,549,889
93$12,449,174$0$0$9,280,478
94$13,519,658$0$0$10,081,130
95$14,693,053$0$0$10,958,852
96$15,979,657$0$0$11,921,358
97$17,390,814$0$0$12,977,148
98$18,939,017$0$0$14,135,583
99$20,638,030$0$0$15,406,973
100$22,503,009$0$0$16,802,676