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%17%
1 years$72,422$71,777$71,147$70,533$69,933$67,940
2 years$35,852$35,185$34,538$33,910$33,302$31,309
3 years$23,664$22,994$22,348$21,727$21,128$19,198
4 years$17,571$16,903$16,264$15,653$15,069$13,217
5 years$13,916$13,252$12,621$12,023$11,455$9,686
6 years$11,481$10,821$10,200$9,615$9,064$7,379
7 years$9,742$9,088$8,476$7,905$7,371$5,771
8 years$8,438$7,790$7,188$6,631$6,115$4,599
9 years$7,424$6,782$6,191$5,648$5,150$3,716
10 years$6,614$5,978$5,398$4,869$4,388$3,034
11 years$5,951$5,322$4,752$4,237$3,774$2,498
12 years$5,400$4,777$4,217$3,717$3,270$2,070
13 years$4,933$4,317$3,768$3,281$2,852$1,724
14 years$4,534$3,924$3,386$2,913$2,500$1,442
15 years$4,188$3,585$3,057$2,598$2,201$1,211
16 years$3,885$3,289$2,771$2,326$1,945$1,019
17 years$3,619$3,029$2,522$2,090$1,725$860
18 years$3,382$2,799$2,302$1,883$1,534$727
19 years$3,171$2,594$2,107$1,702$1,367$616
20 years$2,981$2,410$1,934$1,541$1,221$522
21 years$2,809$2,245$1,779$1,399$1,093$444
22 years$2,653$2,096$1,640$1,272$979$377
23 years$2,511$1,960$1,514$1,158$879$321
24 years$2,381$1,837$1,400$1,056$790$273
25 years$2,261$1,724$1,297$965$711$233
26 years$2,151$1,620$1,203$882$641$198
27 years$2,049$1,524$1,117$807$577$169
28 years$1,955$1,436$1,038$740$521$144
29 years$1,867$1,355$966$678$471$123
30 years$1,785$1,280$900$623$425$105
31 years$1,709$1,210$839$572$384$90
32 years$1,638$1,145$783$526$348$76
33 years$1,571$1,084$731$483$315$65
34 years$1,508$1,027$683$445$285$56
35 years$1,449$975$638$409$258$48
36 years$1,393$925$597$377$234$41
37 years$1,340$879$559$347$212$35
38 years$1,291$835$524$320$192$30
39 years$1,244$794$490$295$174$25
40 years$1,199$755$460$272$158$22
41 years$1,157$719$431$251$143$19
42 years$1,117$685$404$232$130$16
43 years$1,078$652$379$214$118$14
44 years$1,042$622$356$198$107$12
45 years$1,007$593$334$182$97$10
46 years$974$566$314$169$88$8
47 years$943$540$295$156$80$7
48 years$913$515$277$144$73$6
49 years$884$492$261$133$66$5
50 years$856$470$245$123$60$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $877,000, adding $3,917 every year, while hoping to spend $53,045 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: 69/20/11 Blend
51$877,000$877,000$877,000$877,000
52$970,494$924,013$910,420$1,034,965
53$1,013,045$912,851$884,479$1,067,101
54$1,058,159$899,363$855,892$1,095,474
55$1,106,040$883,381$824,513$1,125,115
56$1,156,913$864,723$790,192$1,156,140
57$1,211,024$843,201$752,769$1,188,679
58$1,268,642$818,611$712,081$1,222,875
59$1,330,061$790,740$667,953$1,258,886
60$1,395,603$759,363$620,205$1,296,892
61$1,465,621$724,238$568,649$1,337,087
62$1,540,503$685,114$513,087$1,379,692
63$1,620,673$641,723$453,313$1,424,950
64$1,706,595$593,782$389,113$1,473,130
65$1,798,781$540,990$320,262$1,524,533
66$1,897,790$483,032$246,524$1,579,492
67$2,004,238$419,574$167,656$1,638,376
68$2,118,799$350,262$83,401$1,701,596
69$2,242,214$274,722$0$1,769,606
70$2,375,298$192,561$0$1,843,677
71$2,518,944$103,362$0$1,934,098
72$2,674,134$6,685$0$2,031,727
73$2,841,950$0$0$2,137,286
74$3,023,576$0$0$2,273,127
75$3,220,319$0$0$2,421,910
76$3,433,612$0$0$2,583,250
77$3,665,032$0$0$2,758,349
78$3,916,316$0$0$2,948,523
79$4,189,369$0$0$3,155,222
80$4,486,293$0$0$3,380,043
81$4,809,395$0$0$3,624,739
82$5,161,217$0$0$3,891,242
83$5,544,554$0$0$4,181,677
84$5,962,484$0$0$4,498,382
85$6,418,393$0$0$4,843,932
86$6,916,008$0$0$5,221,160
87$7,459,433$0$0$5,633,183
88$8,053,184$0$0$6,083,437
89$8,702,233$0$0$6,575,700
90$9,412,056$0$0$7,114,133
91$10,188,680$0$0$7,703,320
92$11,038,741$0$0$8,348,306
93$11,969,550$0$0$9,054,647
94$12,989,155$0$0$9,828,461
95$14,106,419$0$0$10,676,486
96$15,331,103$0$0$11,606,144
97$16,673,958$0$0$12,625,608
98$18,146,826$0$0$13,743,880
99$19,762,748$0$0$14,970,875
100$21,536,090$0$0$16,317,514