Can I retire at age 52 with 880,000?

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 $880,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$72,670$72,022$71,391$70,774$70,172$69,614
2 years$35,975$35,305$34,656$34,026$33,415$32,852
3 years$23,745$23,072$22,425$21,801$21,200$20,650
4 years$17,631$16,961$16,319$15,706$15,120$14,587
5 years$13,964$13,297$12,664$12,064$11,494$10,980
6 years$11,520$10,858$10,235$9,648$9,095$8,600
7 years$9,775$9,119$8,505$7,932$7,397$6,921
8 years$8,467$7,816$7,213$6,654$6,136$5,680
9 years$7,450$6,806$6,213$5,668$5,168$4,731
10 years$6,637$5,999$5,416$4,886$4,403$3,986
11 years$5,972$5,340$4,768$4,252$3,787$3,389
12 years$5,418$4,793$4,232$3,729$3,281$2,902
13 years$4,950$4,332$3,781$3,293$2,862$2,500
14 years$4,549$3,937$3,397$2,923$2,508$2,165
15 years$4,202$3,597$3,067$2,607$2,209$1,882
16 years$3,899$3,300$2,781$2,334$1,952$1,643
17 years$3,631$3,039$2,530$2,097$1,731$1,438
18 years$3,394$2,808$2,310$1,890$1,539$1,261
19 years$3,182$2,603$2,115$1,708$1,372$1,109
20 years$2,991$2,419$1,941$1,547$1,225$977
21 years$2,818$2,253$1,785$1,404$1,096$863
22 years$2,662$2,103$1,645$1,276$983$762
23 years$2,519$1,967$1,519$1,162$882$675
24 years$2,389$1,843$1,405$1,060$793$598
25 years$2,269$1,729$1,301$968$714$530
26 years$2,158$1,625$1,207$885$643$471
27 years$2,056$1,530$1,121$810$579$418
28 years$1,961$1,441$1,042$742$523$372
29 years$1,873$1,360$969$681$472$330
30 years$1,791$1,284$903$625$427$294
31 years$1,715$1,214$842$574$386$262
32 years$1,643$1,149$785$527$349$233
33 years$1,576$1,088$733$485$316$208
34 years$1,513$1,031$685$446$286$185
35 years$1,454$978$641$411$259$165
36 years$1,398$928$599$378$235$147
37 years$1,345$882$561$349$213$131
38 years$1,295$838$525$321$193$117
39 years$1,248$797$492$296$175$105
40 years$1,203$758$461$273$159$93
41 years$1,161$721$433$252$144$83
42 years$1,120$687$406$233$131$74
43 years$1,082$655$381$215$118$66
44 years$1,046$624$357$198$108$59
45 years$1,011$595$336$183$98$53
46 years$978$568$315$169$89$47
47 years$946$542$296$156$80$42
48 years$916$517$278$144$73$38
49 years$887$494$262$133$66$34
50 years$859$472$246$123$60$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $880,000, adding $2,971 every year, while hoping to spend $40,957 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: 61/27/12 Blend
51$880,000$880,000$880,000$880,000
52$972,825$926,185$912,545$1,029,206
53$1,028,475$927,990$899,537$1,069,220
54$1,088,429$928,511$884,721$1,107,941
55$1,153,082$927,641$867,992$1,149,193
56$1,222,869$925,268$849,243$1,193,225
57$1,298,268$921,273$828,359$1,240,307
58$1,379,803$915,527$805,221$1,290,744
59$1,468,053$907,898$779,705$1,344,869
60$1,563,650$898,240$751,681$1,403,052
61$1,667,293$886,405$721,013$1,465,702
62$1,779,748$872,230$687,558$1,533,273
63$1,901,858$855,545$651,168$1,606,263
64$2,034,552$836,171$611,686$1,685,228
65$2,178,850$813,918$568,952$1,770,779
66$2,335,875$788,582$522,794$1,863,592
67$2,506,862$759,950$473,035$1,964,416
68$2,693,171$727,796$419,490$2,074,077
69$2,896,297$691,881$361,966$2,193,490
70$3,117,888$651,951$300,260$2,323,665
71$3,359,755$607,740$234,162$2,465,717
72$3,623,893$558,962$163,449$2,620,882
73$3,912,500$505,320$87,894$2,790,523
74$4,227,991$446,498$7,255$2,976,144
75$4,573,030$382,160$0$3,179,410
76$4,950,547$311,953$0$3,412,249
77$5,363,769$235,505$0$3,668,248
78$5,816,250$152,422$0$3,948,755
79$6,311,904$62,287$0$4,256,281
80$6,855,040$0$0$4,593,600
81$7,450,404$0$0$4,974,271
82$8,103,224$0$0$5,412,037
83$8,819,258$0$0$5,892,264
84$9,604,847$0$0$6,419,211
85$10,466,975$0$0$6,997,574
86$11,413,337$0$0$7,632,524
87$12,452,408$0$0$8,329,756
88$13,593,524$0$0$9,095,545
89$14,846,969$0$0$9,936,804
90$16,224,073$0$0$10,861,147
91$17,737,318$0$0$11,876,962
92$19,400,452$0$0$12,993,492
93$21,228,625$0$0$14,220,919
94$23,238,525$0$0$15,570,458
95$25,448,540$0$0$17,054,469
96$27,878,926$0$0$18,686,568
97$30,552,002$0$0$20,481,756
98$33,492,360$0$0$22,456,562
99$36,727,091$0$0$24,629,196
100$40,286,048$0$0$27,019,725