Can I retire at age 52 with 877,000?

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 $877,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$72,422$71,777$71,147$70,533$69,933$67,132
2 years$35,852$35,185$34,538$33,910$33,302$30,515
3 years$23,664$22,994$22,348$21,727$21,128$18,443
4 years$17,571$16,903$16,264$15,653$15,069$12,506
5 years$13,916$13,252$12,621$12,023$11,455$9,021
6 years$11,481$10,821$10,200$9,615$9,064$6,761
7 years$9,742$9,088$8,476$7,905$7,371$5,198
8 years$8,438$7,790$7,188$6,631$6,115$4,069
9 years$7,424$6,782$6,191$5,648$5,150$3,228
10 years$6,614$5,978$5,398$4,869$4,388$2,586
11 years$5,951$5,322$4,752$4,237$3,774$2,088
12 years$5,400$4,777$4,217$3,717$3,270$1,696
13 years$4,933$4,317$3,768$3,281$2,852$1,384
14 years$4,534$3,924$3,386$2,913$2,500$1,134
15 years$4,188$3,585$3,057$2,598$2,201$932
16 years$3,885$3,289$2,771$2,326$1,945$768
17 years$3,619$3,029$2,522$2,090$1,725$634
18 years$3,382$2,799$2,302$1,883$1,534$524
19 years$3,171$2,594$2,107$1,702$1,367$434
20 years$2,981$2,410$1,934$1,541$1,221$360
21 years$2,809$2,245$1,779$1,399$1,093$298
22 years$2,653$2,096$1,640$1,272$979$248
23 years$2,511$1,960$1,514$1,158$879$206
24 years$2,381$1,837$1,400$1,056$790$171
25 years$2,261$1,724$1,297$965$711$142
26 years$2,151$1,620$1,203$882$641$118
27 years$2,049$1,524$1,117$807$577$98
28 years$1,955$1,436$1,038$740$521$82
29 years$1,867$1,355$966$678$471$68
30 years$1,785$1,280$900$623$425$57
31 years$1,709$1,210$839$572$384$47
32 years$1,638$1,145$783$526$348$39
33 years$1,571$1,084$731$483$315$33
34 years$1,508$1,027$683$445$285$27
35 years$1,449$975$638$409$258$23
36 years$1,393$925$597$377$234$19
37 years$1,340$879$559$347$212$16
38 years$1,291$835$524$320$192$13
39 years$1,244$794$490$295$174$11
40 years$1,199$755$460$272$158$9
41 years$1,157$719$431$251$143$8
42 years$1,117$685$404$232$130$6
43 years$1,078$652$379$214$118$5
44 years$1,042$622$356$198$107$4
45 years$1,007$593$334$182$97$4
46 years$974$566$314$169$88$3
47 years$943$540$295$156$80$3
48 years$913$515$277$144$73$2
49 years$884$492$261$133$66$2
50 years$856$470$245$123$60$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $877,000, adding $2,303 every year, while hoping to spend $24,139 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: 66/10/24 Blend
51$877,000$877,000$877,000$877,000
52$968,830$922,349$908,755$1,026,620
53$1,041,966$941,860$913,515$1,085,294
54$1,121,754$961,518$917,625$1,146,472
55$1,208,846$981,305$921,038$1,212,804
56$1,303,960$1,001,201$923,704$1,284,800
57$1,407,888$1,021,184$925,573$1,363,020
58$1,521,501$1,041,230$926,587$1,448,081
59$1,645,757$1,061,314$926,691$1,540,663
60$1,781,713$1,081,407$925,824$1,641,518
61$1,930,532$1,101,480$923,923$1,751,471
62$2,093,493$1,121,499$920,921$1,871,435
63$2,272,006$1,141,430$916,750$2,002,413
64$2,467,625$1,161,234$911,335$2,145,513
65$2,682,059$1,180,870$904,600$2,301,956
66$2,917,191$1,200,295$896,467$2,473,087
67$3,175,096$1,219,461$886,850$2,660,389
68$3,458,058$1,238,318$875,662$2,865,496
69$3,768,595$1,256,809$862,811$3,090,211
70$4,109,477$1,274,878$848,201$3,336,520
71$4,483,758$1,292,462$831,730$3,606,611
72$4,894,802$1,309,494$813,294$3,902,899
73$5,346,314$1,325,901$792,782$4,228,043
74$5,842,377$1,341,609$770,078$4,584,976
75$6,387,485$1,356,534$745,062$4,976,930
76$6,986,594$1,370,589$717,607$5,407,467
77$7,645,162$1,383,683$687,581$5,880,514
78$8,369,200$1,395,715$654,847$6,400,401
79$9,165,333$1,406,580$619,259$6,971,898
80$10,040,860$1,416,165$580,667$7,600,265
81$11,003,821$1,424,351$538,913$8,291,298
82$12,063,077$1,431,010$493,832$9,051,387
83$13,228,387$1,436,006$445,253$9,887,575
84$14,510,508$1,439,196$392,994$10,807,624
85$15,921,290$1,440,426$336,869$11,820,092
86$17,473,788$1,439,534$276,681$12,934,407
87$19,182,390$1,436,347$212,226$14,160,966
88$21,062,947$1,430,681$143,288$15,511,226
89$23,132,926$1,422,342$69,646$16,997,814
90$25,411,571$1,411,124$0$18,634,649
91$27,920,089$1,396,807$0$20,439,361
92$30,681,847$1,379,159$0$22,445,751
93$33,722,593$1,357,935$0$24,654,664
94$37,070,697$1,332,874$0$27,086,709
95$40,757,423$1,303,699$0$29,764,594
96$44,817,218$1,270,118$0$32,713,342
97$49,288,042$1,231,822$0$35,960,530
98$54,211,724$1,188,483$0$39,536,544
99$59,634,354$1,139,753$0$43,474,872
100$65,606,724$1,085,267$0$47,812,415