Can I retire at age 52 with 879,000?

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 $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%12.9%
1 years$72,587$71,940$71,310$70,694$70,093$69,246
2 years$35,934$35,265$34,616$33,987$33,377$32,525
3 years$23,718$23,046$22,399$21,776$21,176$20,345
4 years$17,611$16,941$16,301$15,688$15,103$14,299
5 years$13,948$13,282$12,650$12,050$11,481$10,707
6 years$11,507$10,846$10,223$9,637$9,085$8,341
7 years$9,764$9,108$8,495$7,923$7,388$6,676
8 years$8,457$7,808$7,205$6,646$6,129$5,448
9 years$7,441$6,798$6,206$5,661$5,162$4,511
10 years$6,629$5,992$5,410$4,880$4,398$3,778
11 years$5,965$5,334$4,763$4,247$3,782$3,192
12 years$5,412$4,788$4,227$3,725$3,278$2,716
13 years$4,945$4,327$3,777$3,289$2,858$2,325
14 years$4,544$3,933$3,393$2,919$2,506$2,000
15 years$4,197$3,593$3,064$2,604$2,206$1,727
16 years$3,894$3,296$2,778$2,331$1,950$1,497
17 years$3,627$3,036$2,528$2,095$1,729$1,301
18 years$3,390$2,805$2,307$1,888$1,537$1,133
19 years$3,178$2,600$2,112$1,706$1,370$990
20 years$2,987$2,416$1,939$1,545$1,224$865
21 years$2,815$2,250$1,783$1,402$1,095$758
22 years$2,659$2,101$1,643$1,275$982$665
23 years$2,516$1,965$1,517$1,161$881$584
24 years$2,386$1,841$1,403$1,059$792$514
25 years$2,266$1,727$1,300$967$713$452
26 years$2,156$1,624$1,205$884$642$398
27 years$2,054$1,528$1,119$809$579$351
28 years$1,959$1,440$1,041$742$522$309
29 years$1,871$1,358$968$680$472$273
30 years$1,789$1,283$902$624$426$241
31 years$1,713$1,213$841$573$385$213
32 years$1,641$1,147$785$527$348$188
33 years$1,574$1,087$733$484$315$166
34 years$1,511$1,030$684$446$286$147
35 years$1,452$977$640$410$259$130
36 years$1,396$927$599$378$234$115
37 years$1,343$881$560$348$212$101
38 years$1,294$837$525$321$193$90
39 years$1,246$796$492$296$175$79
40 years$1,202$757$461$273$158$70
41 years$1,159$721$432$252$144$62
42 years$1,119$686$405$232$130$55
43 years$1,081$654$380$214$118$49
44 years$1,044$623$357$198$107$43
45 years$1,010$594$335$183$97$38
46 years$977$567$315$169$89$34
47 years$945$541$296$156$80$30
48 years$915$517$278$144$73$26
49 years$886$493$261$133$66$23
50 years$858$471$246$123$60$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $879,000, adding $5,881 every year, while hoping to spend $53,001 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: 85/7/8 Blend
51$879,000$879,000$879,000$879,000
52$974,724$928,137$914,513$1,056,226
53$1,017,753$917,223$888,756$1,099,398
54$1,063,395$903,998$860,361$1,138,996
55$1,111,860$888,293$829,181$1,180,832
56$1,163,379$869,928$795,068$1,225,096
57$1,218,202$848,713$757,861$1,271,996
58$1,276,607$824,448$717,398$1,321,763
59$1,338,895$796,920$673,504$1,374,650
60$1,405,396$765,903$626,001$1,430,935
61$1,476,473$731,159$574,699$1,490,925
62$1,552,524$692,436$519,401$1,554,958
63$1,633,983$649,468$459,903$1,623,404
64$1,721,329$601,971$395,990$1,696,674
65$1,815,086$549,649$327,437$1,775,218
66$1,915,829$492,186$254,010$1,859,532
67$2,024,189$429,248$175,464$1,950,164
68$2,140,859$360,485$91,546$2,047,716
69$2,266,601$285,523$1,987$2,152,852
70$2,402,251$203,971$0$2,266,304
71$2,548,728$115,412$0$2,396,867
72$2,707,041$19,410$0$2,538,141
73$2,878,300$0$0$2,690,961
74$3,063,725$0$0$2,862,944
75$3,264,655$0$0$3,050,940
76$3,482,566$0$0$3,254,834
77$3,719,078$0$0$3,476,146
78$3,975,976$0$0$3,716,546
79$4,255,220$0$0$3,977,869
80$4,558,968$0$0$4,262,138
81$4,889,595$0$0$4,571,576
82$5,249,712$0$0$4,908,630
83$5,642,194$0$0$5,275,992
84$6,070,206$0$0$5,676,626
85$6,537,229$0$0$6,113,792
86$7,047,096$0$0$6,591,081
87$7,604,026$0$0$7,112,445
88$8,212,664$0$0$7,682,233
89$8,878,123$0$0$8,305,236
90$9,606,034$0$0$8,986,726
91$10,402,596$0$0$9,732,511
92$11,274,634$0$0$10,548,984
93$12,229,666$0$0$11,443,186
94$13,275,969$0$0$12,422,869
95$14,422,660$0$0$13,496,573
96$15,679,778$0$0$14,673,702
97$17,058,382$0$0$15,964,614
98$18,570,650$0$0$17,380,715
99$20,229,997$0$0$18,934,572
100$22,051,200$0$0$20,640,024