Can I retire at age 52 with 878,000?

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 $878,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.8%
1 years$72,504$71,859$71,228$70,613$70,013$68,348
2 years$35,893$35,225$34,577$33,949$33,340$31,672
3 years$23,691$23,020$22,374$21,751$21,152$19,534
4 years$17,591$16,922$16,282$15,671$15,086$13,529
5 years$13,932$13,267$12,636$12,037$11,468$9,978
6 years$11,494$10,834$10,212$9,626$9,074$7,652
7 years$9,753$9,098$8,486$7,914$7,380$6,025
8 years$8,447$7,799$7,197$6,639$6,122$4,835
9 years$7,433$6,790$6,198$5,655$5,156$3,935
10 years$6,622$5,985$5,404$4,874$4,393$3,237
11 years$5,958$5,328$4,758$4,242$3,778$2,686
12 years$5,406$4,782$4,222$3,721$3,274$2,243
13 years$4,939$4,322$3,772$3,285$2,855$1,884
14 years$4,539$3,928$3,389$2,916$2,503$1,589
15 years$4,193$3,589$3,060$2,601$2,204$1,345
16 years$3,890$3,293$2,775$2,329$1,948$1,142
17 years$3,623$3,032$2,525$2,092$1,727$972
18 years$3,386$2,802$2,305$1,886$1,535$829
19 years$3,174$2,597$2,110$1,704$1,369$709
20 years$2,984$2,413$1,936$1,543$1,222$607
21 years$2,812$2,248$1,781$1,400$1,094$520
22 years$2,656$2,098$1,642$1,273$981$446
23 years$2,514$1,962$1,516$1,160$880$383
24 years$2,383$1,839$1,402$1,058$791$329
25 years$2,264$1,725$1,298$966$712$283
26 years$2,153$1,622$1,204$883$641$244
27 years$2,051$1,526$1,118$808$578$210
28 years$1,957$1,438$1,039$741$522$181
29 years$1,869$1,357$967$679$471$156
30 years$1,787$1,281$901$623$426$134
31 years$1,711$1,211$840$572$385$116
32 years$1,639$1,146$784$526$348$100
33 years$1,572$1,085$732$484$315$86
34 years$1,509$1,029$684$445$285$74
35 years$1,450$976$639$410$258$64
36 years$1,394$926$598$377$234$55
37 years$1,342$880$560$348$212$48
38 years$1,292$836$524$321$192$41
39 years$1,245$795$491$296$174$35
40 years$1,200$756$460$273$158$31
41 years$1,158$720$432$251$144$26
42 years$1,118$686$405$232$130$23
43 years$1,080$653$380$214$118$20
44 years$1,043$623$357$198$107$17
45 years$1,009$594$335$183$97$15
46 years$975$566$314$169$88$13
47 years$944$541$295$156$80$11
48 years$914$516$278$144$73$9
49 years$885$493$261$133$66$8
50 years$857$471$245$123$60$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $878,000, adding $3,743 every year, while hoping to spend $22,414 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: 73/22/5 Blend
51$878,000$878,000$878,000$878,000
52$971,417$924,883$911,274$1,041,665
53$1,046,653$946,354$917,953$1,109,898
54$1,128,812$968,126$924,105$1,181,399
55$1,218,577$990,189$929,688$1,259,059
56$1,316,698$1,012,535$934,659$1,343,477
57$1,424,003$1,035,151$938,972$1,435,313
58$1,541,402$1,058,025$942,579$1,535,296
59$1,669,899$1,081,142$945,429$1,644,225
60$1,810,598$1,104,487$947,471$1,762,983
61$1,964,715$1,128,043$948,647$1,892,542
62$2,133,589$1,151,790$948,899$2,033,972
63$2,318,696$1,175,708$948,168$2,188,451
64$2,521,658$1,199,773$946,387$2,357,277
65$2,744,266$1,223,961$943,490$2,541,880
66$2,988,491$1,248,244$939,406$2,743,837
67$3,256,501$1,272,593$934,061$2,964,882
68$3,550,690$1,296,975$927,377$3,206,927
69$3,873,689$1,321,356$919,273$3,472,078
70$4,228,400$1,345,698$909,664$3,762,658
71$4,618,019$1,369,959$898,460$4,081,221
72$5,046,067$1,394,096$885,567$4,430,587
73$5,516,421$1,418,062$870,889$4,813,858
74$6,033,354$1,441,806$854,322$5,234,455
75$6,601,574$1,465,272$835,760$5,696,146
76$7,226,266$1,488,401$815,089$6,203,085
77$7,913,143$1,511,131$792,193$6,759,846
78$8,668,500$1,533,393$766,948$7,371,471
79$9,499,273$1,555,115$739,226$8,043,517
80$10,413,102$1,576,219$708,893$8,782,105
81$11,418,406$1,596,621$675,809$9,593,981
82$12,524,461$1,616,233$639,826$10,486,580
83$13,741,486$1,634,959$600,791$11,468,093
84$15,080,744$1,652,698$558,543$12,547,549
85$16,554,641$1,669,342$512,915$13,734,894
86$18,176,849$1,684,774$463,733$15,041,091
87$19,962,431$1,698,872$410,812$16,478,222
88$21,927,987$1,711,504$353,961$18,059,597
89$24,091,805$1,722,531$292,982$19,799,889
90$26,474,038$1,731,804$227,666$21,715,265
91$29,096,892$1,739,165$157,795$23,823,540
92$31,984,836$1,744,445$83,143$26,144,348
93$35,164,832$1,747,466$3,471$28,699,327
94$38,666,591$1,748,038$0$31,512,321
95$42,522,850$1,745,958$0$34,613,956
96$46,769,683$1,741,013$0$38,029,319
97$51,446,843$1,732,975$0$41,790,153
98$56,598,133$1,721,602$0$45,931,638
99$62,271,821$1,706,639$0$50,492,547
100$68,521,097$1,687,815$0$55,515,606