Can I retire at age 52 with 879,000?

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 $879,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13%
1 years$72,587$71,940$71,310$70,694$70,093$69,217
2 years$35,934$35,265$34,616$33,987$33,377$32,496
3 years$23,718$23,046$22,399$21,776$21,176$20,317
4 years$17,611$16,941$16,301$15,688$15,103$14,272
5 years$13,948$13,282$12,650$12,050$11,481$10,681
6 years$11,507$10,846$10,223$9,637$9,085$8,317
7 years$9,764$9,108$8,495$7,923$7,388$6,652
8 years$8,457$7,808$7,205$6,646$6,129$5,426
9 years$7,441$6,798$6,206$5,661$5,162$4,490
10 years$6,629$5,992$5,410$4,880$4,398$3,758
11 years$5,965$5,334$4,763$4,247$3,782$3,173
12 years$5,412$4,788$4,227$3,725$3,278$2,698
13 years$4,945$4,327$3,777$3,289$2,858$2,308
14 years$4,544$3,933$3,393$2,919$2,506$1,984
15 years$4,197$3,593$3,064$2,604$2,206$1,713
16 years$3,894$3,296$2,778$2,331$1,950$1,483
17 years$3,627$3,036$2,528$2,095$1,729$1,288
18 years$3,390$2,805$2,307$1,888$1,537$1,121
19 years$3,178$2,600$2,112$1,706$1,370$978
20 years$2,987$2,416$1,939$1,545$1,224$855
21 years$2,815$2,250$1,783$1,402$1,095$749
22 years$2,659$2,101$1,643$1,275$982$656
23 years$2,516$1,965$1,517$1,161$881$576
24 years$2,386$1,841$1,403$1,059$792$506
25 years$2,266$1,727$1,300$967$713$445
26 years$2,156$1,624$1,205$884$642$391
27 years$2,054$1,528$1,119$809$579$345
28 years$1,959$1,440$1,041$742$522$304
29 years$1,871$1,358$968$680$472$268
30 years$1,789$1,283$902$624$426$236
31 years$1,713$1,213$841$573$385$208
32 years$1,641$1,147$785$527$348$184
33 years$1,574$1,087$733$484$315$162
34 years$1,511$1,030$684$446$286$143
35 years$1,452$977$640$410$259$127
36 years$1,396$927$599$378$234$112
37 years$1,343$881$560$348$212$99
38 years$1,294$837$525$321$193$87
39 years$1,246$796$492$296$175$77
40 years$1,202$757$461$273$158$68
41 years$1,159$721$432$252$144$60
42 years$1,119$686$405$232$130$53
43 years$1,081$654$380$214$118$47
44 years$1,044$623$357$198$107$42
45 years$1,010$594$335$183$97$37
46 years$977$567$315$169$89$33
47 years$945$541$296$156$80$29
48 years$915$517$278$144$73$26
49 years$886$493$261$133$66$23
50 years$858$471$246$123$60$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $879,000, adding $2,203 every year, while hoping to spend $23,037 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: 74/21/5 Blend
51$879,000$879,000$879,000$879,000
52$970,930$924,343$910,719$1,042,261
53$1,045,454$945,125$916,717$1,110,263
54$1,126,807$966,153$922,144$1,181,585
55$1,215,662$987,415$926,956$1,259,046
56$1,312,758$1,008,897$931,107$1,343,245
57$1,418,911$1,030,584$934,551$1,434,840
58$1,535,017$1,052,460$937,236$1,534,557
59$1,662,064$1,074,506$939,109$1,643,193
60$1,801,141$1,096,703$940,115$1,761,630
61$1,953,443$1,119,027$940,195$1,890,836
62$2,120,291$1,141,457$939,288$2,031,878
63$2,303,137$1,163,964$937,330$2,185,931
64$2,503,580$1,186,522$934,254$2,354,291
65$2,723,383$1,209,099$929,989$2,538,384
66$2,964,485$1,231,661$924,461$2,739,780
67$3,229,024$1,254,174$917,592$2,960,212
68$3,519,354$1,276,598$909,301$3,201,586
69$3,838,068$1,298,892$899,502$3,466,003
70$4,188,023$1,321,010$888,108$3,755,779
71$4,572,365$1,342,903$875,023$4,073,463
72$4,994,561$1,364,520$860,151$4,421,867
73$5,458,429$1,385,804$843,388$4,804,086
74$5,968,176$1,406,695$824,629$5,223,533
75$6,528,436$1,427,129$803,760$5,683,966
76$7,144,315$1,447,037$780,665$6,189,529
77$7,821,438$1,466,345$755,220$6,744,785
78$8,566,002$1,484,973$727,297$7,354,765
79$9,384,835$1,502,838$696,762$8,025,011
80$10,285,460$1,519,849$663,476$8,761,631
81$11,276,165$1,535,909$627,290$9,571,355
82$12,366,081$1,550,916$588,052$10,461,600
83$13,565,272$1,564,761$545,602$11,440,538
84$14,884,822$1,577,327$499,772$12,517,175
85$16,336,946$1,588,489$450,387$13,701,437
86$17,935,105$1,598,115$397,265$15,004,261
87$19,694,127$1,606,063$340,214$16,437,699
88$21,630,352$1,612,185$279,036$18,015,034
89$23,761,787$1,616,321$213,523$19,750,902
90$26,108,270$1,618,302$143,457$21,661,433
91$28,691,662$1,617,947$68,611$23,764,405
92$31,536,051$1,615,065$0$26,079,404
93$34,667,979$1,609,455$0$28,628,622
94$38,116,694$1,600,900$0$31,439,191
95$41,914,425$1,589,172$0$34,533,680
96$46,096,684$1,574,029$0$37,940,994
97$50,702,603$1,555,214$0$41,692,989
98$55,775,304$1,532,454$0$45,824,770
99$61,362,303$1,505,463$0$50,375,021
100$67,515,961$1,473,933$0$55,386,375