Can I retire at age 52 with 877,000?

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 $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%11.4%
1 years$72,422$71,777$71,147$70,533$69,933$69,522
2 years$35,852$35,185$34,538$33,910$33,302$32,886
3 years$23,664$22,994$22,348$21,727$21,128$20,722
4 years$17,571$16,903$16,264$15,653$15,069$14,675
5 years$13,916$13,252$12,621$12,023$11,455$11,075
6 years$11,481$10,821$10,200$9,615$9,064$8,698
7 years$9,742$9,088$8,476$7,905$7,371$7,019
8 years$8,438$7,790$7,188$6,631$6,115$5,777
9 years$7,424$6,782$6,191$5,648$5,150$4,826
10 years$6,614$5,978$5,398$4,869$4,388$4,078
11 years$5,951$5,322$4,752$4,237$3,774$3,478
12 years$5,400$4,777$4,217$3,717$3,270$2,988
13 years$4,933$4,317$3,768$3,281$2,852$2,582
14 years$4,534$3,924$3,386$2,913$2,500$2,243
15 years$4,188$3,585$3,057$2,598$2,201$1,957
16 years$3,885$3,289$2,771$2,326$1,945$1,713
17 years$3,619$3,029$2,522$2,090$1,725$1,505
18 years$3,382$2,799$2,302$1,883$1,534$1,325
19 years$3,171$2,594$2,107$1,702$1,367$1,169
20 years$2,981$2,410$1,934$1,541$1,221$1,034
21 years$2,809$2,245$1,779$1,399$1,093$916
22 years$2,653$2,096$1,640$1,272$979$813
23 years$2,511$1,960$1,514$1,158$879$722
24 years$2,381$1,837$1,400$1,056$790$642
25 years$2,261$1,724$1,297$965$711$572
26 years$2,151$1,620$1,203$882$641$509
27 years$2,049$1,524$1,117$807$577$454
28 years$1,955$1,436$1,038$740$521$405
29 years$1,867$1,355$966$678$471$362
30 years$1,785$1,280$900$623$425$323
31 years$1,709$1,210$839$572$384$289
32 years$1,638$1,145$783$526$348$259
33 years$1,571$1,084$731$483$315$231
34 years$1,508$1,027$683$445$285$207
35 years$1,449$975$638$409$258$185
36 years$1,393$925$597$377$234$166
37 years$1,340$879$559$347$212$149
38 years$1,291$835$524$320$192$133
39 years$1,244$794$490$295$174$119
40 years$1,199$755$460$272$158$107
41 years$1,157$719$431$251$143$96
42 years$1,117$685$404$232$130$86
43 years$1,078$652$379$214$118$77
44 years$1,042$622$356$198$107$69
45 years$1,007$593$334$182$97$62
46 years$974$566$314$169$88$56
47 years$943$540$295$156$80$50
48 years$913$515$277$144$73$45
49 years$884$492$261$133$66$40
50 years$856$470$245$123$60$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $877,000, adding $5,966 every year, while hoping to spend $41,281 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: 35/46/19 Blend
51$877,000$877,000$877,000$877,000
52$972,608$926,127$912,533$1,000,820
53$1,027,891$927,584$899,181$1,023,460
54$1,087,430$927,730$883,997$1,043,602
55$1,151,614$926,455$866,877$1,064,473
56$1,220,874$923,646$847,712$1,086,163
57$1,295,679$919,181$826,387$1,108,771
58$1,376,548$912,930$802,781$1,132,412
59$1,464,050$904,758$776,768$1,157,214
60$1,558,810$894,519$748,217$1,183,324
61$1,661,518$882,059$716,991$1,210,905
62$1,772,928$867,215$682,945$1,240,142
63$1,893,873$849,815$645,930$1,271,244
64$2,025,267$829,676$605,789$1,304,444
65$2,168,118$806,603$562,356$1,340,006
66$2,323,533$780,393$515,461$1,378,223
67$2,492,728$750,828$464,925$1,419,425
68$2,677,046$717,678$410,560$1,463,983
69$2,877,962$680,701$352,170$1,512,310
70$3,097,098$639,639$289,552$1,564,868
71$3,336,242$594,222$222,492$1,622,173
72$3,597,361$544,161$150,767$1,684,802
73$3,882,620$489,153$74,146$1,753,398
74$4,194,402$428,876$0$1,828,678
75$4,535,333$362,993$0$1,912,987
76$4,908,301$291,144$0$2,021,810
77$5,316,489$212,951$0$2,141,144
78$5,763,399$128,014$0$2,272,148
79$6,252,889$35,910$0$2,416,106
80$6,789,209$0$0$2,574,439
81$7,377,038$0$0$2,781,024
82$8,021,527$0$0$3,027,578
83$8,728,354$0$0$3,298,112
84$9,503,768$0$0$3,595,034
85$10,354,656$0$0$3,920,999
86$11,288,603$0$0$4,278,929
87$12,313,961$0$0$4,672,044
88$13,439,935$0$0$5,103,893
89$14,676,661$0$0$5,578,382
90$16,035,308$0$0$6,099,816
91$17,528,178$0$0$6,672,938
92$19,168,824$0$0$7,302,974
93$20,972,179$0$0$7,995,679
94$22,954,693$0$0$8,757,396
95$25,134,488$0$0$9,595,112
96$27,531,533$0$0$10,516,525
97$30,167,826$0$0$11,530,118
98$33,067,605$0$0$12,645,236
99$36,257,576$0$0$13,872,176
100$39,767,161$0$0$15,222,284