Can I retire at age 52 with 878,000?

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 $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%19.9%
1 years$72,504$71,859$71,228$70,613$70,013$67,235
2 years$35,893$35,225$34,577$33,949$33,340$30,575
3 years$23,691$23,020$22,374$21,751$21,152$18,488
4 years$17,591$16,922$16,282$15,671$15,086$12,543
5 years$13,932$13,267$12,636$12,037$11,468$9,053
6 years$11,494$10,834$10,212$9,626$9,074$6,788
7 years$9,753$9,098$8,486$7,914$7,380$5,222
8 years$8,447$7,799$7,197$6,639$6,122$4,090
9 years$7,433$6,790$6,198$5,655$5,156$3,247
10 years$6,622$5,985$5,404$4,874$4,393$2,603
11 years$5,958$5,328$4,758$4,242$3,778$2,103
12 years$5,406$4,782$4,222$3,721$3,274$1,709
13 years$4,939$4,322$3,772$3,285$2,855$1,396
14 years$4,539$3,928$3,389$2,916$2,503$1,145
15 years$4,193$3,589$3,060$2,601$2,204$941
16 years$3,890$3,293$2,775$2,329$1,948$776
17 years$3,623$3,032$2,525$2,092$1,727$641
18 years$3,386$2,802$2,305$1,886$1,535$530
19 years$3,174$2,597$2,110$1,704$1,369$439
20 years$2,984$2,413$1,936$1,543$1,222$365
21 years$2,812$2,248$1,781$1,400$1,094$303
22 years$2,656$2,098$1,642$1,273$981$251
23 years$2,514$1,962$1,516$1,160$880$209
24 years$2,383$1,839$1,402$1,058$791$174
25 years$2,264$1,725$1,298$966$712$145
26 years$2,153$1,622$1,204$883$641$121
27 years$2,051$1,526$1,118$808$578$100
28 years$1,957$1,438$1,039$741$522$84
29 years$1,869$1,357$967$679$471$70
30 years$1,787$1,281$901$623$426$58
31 years$1,711$1,211$840$572$385$48
32 years$1,639$1,146$784$526$348$40
33 years$1,572$1,085$732$484$315$34
34 years$1,509$1,029$684$445$285$28
35 years$1,450$976$639$410$258$23
36 years$1,394$926$598$377$234$19
37 years$1,342$880$560$348$212$16
38 years$1,292$836$524$321$192$14
39 years$1,245$795$491$296$174$11
40 years$1,200$756$460$273$158$9
41 years$1,158$720$432$251$144$8
42 years$1,118$686$405$232$130$7
43 years$1,080$653$380$214$118$5
44 years$1,043$623$357$198$107$5
45 years$1,009$594$335$183$97$4
46 years$975$566$314$169$88$3
47 years$944$541$295$156$80$3
48 years$914$516$278$144$73$2
49 years$885$493$261$133$66$2
50 years$857$471$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 $878,000, adding $5,052 every year, while hoping to spend $55,132 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: 67/20/13 Blend
51$878,000$878,000$878,000$878,000
52$972,767$926,233$912,624$1,034,742
53$1,013,329$912,959$884,537$1,063,401
54$1,056,181$897,186$853,661$1,087,736
55$1,101,498$878,734$819,845$1,112,937
56$1,149,471$857,412$782,930$1,139,087
57$1,200,309$833,017$742,750$1,166,274
58$1,254,241$805,336$699,133$1,194,598
59$1,311,516$774,140$651,896$1,224,174
60$1,372,408$739,190$600,852$1,255,125
61$1,437,214$700,231$545,801$1,287,594
62$1,506,263$656,995$486,539$1,321,738
63$1,579,912$609,198$422,848$1,357,732
64$1,658,554$556,539$354,504$1,395,774
65$1,742,618$498,701$281,271$1,436,083
66$1,832,575$435,348$202,904$1,478,903
67$1,928,943$366,125$119,147$1,524,507
68$2,032,288$290,658$29,731$1,573,200
69$2,143,232$208,551$0$1,625,319
70$2,262,457$119,385$0$1,690,355
71$2,390,712$22,720$0$1,764,608
72$2,528,820$0$0$1,844,460
73$2,677,684$0$0$1,948,501
74$2,838,297$0$0$2,066,188
75$3,011,748$0$0$2,193,327
76$3,199,235$0$0$2,330,799
77$3,402,075$0$0$2,479,578
78$3,621,715$0$0$2,640,729
79$3,859,746$0$0$2,815,427
80$4,117,917$0$0$3,004,962
81$4,398,153$0$0$3,210,755
82$4,702,570$0$0$3,434,365
83$5,033,495$0$0$3,677,512
84$5,393,489$0$0$3,942,084
85$5,785,370$0$0$4,230,161
86$6,212,238$0$0$4,544,030
87$6,677,504$0$0$4,886,209
88$7,184,923$0$0$5,259,469
89$7,738,628$0$0$5,666,860
90$8,343,167$0$0$6,111,739
91$9,003,548$0$0$6,597,802
92$9,725,284$0$0$7,129,117
93$10,514,442$0$0$7,710,163
94$11,377,706$0$0$8,345,874
95$12,322,433$0$0$9,041,679
96$13,356,724$0$0$9,803,559
97$14,489,501$0$0$10,638,099
98$15,730,589$0$0$11,552,551
99$17,090,807$0$0$12,554,902
100$18,582,072$0$0$13,653,949