Can I retire at age 52 with 881,000?

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 $881,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.5%
1 years$72,752$72,104$71,472$70,855$70,252$69,519
2 years$36,016$35,345$34,695$34,065$33,453$32,715
3 years$23,772$23,098$22,450$21,826$21,224$20,503
4 years$17,651$16,980$16,338$15,724$15,137$14,440
5 years$13,980$13,312$12,679$12,078$11,507$10,835
6 years$11,533$10,871$10,246$9,659$9,105$8,459
7 years$9,786$9,129$8,515$7,941$7,405$6,785
8 years$8,476$7,825$7,221$6,661$6,143$5,550
9 years$7,458$6,813$6,220$5,674$5,173$4,606
10 years$6,644$6,006$5,422$4,891$4,408$3,867
11 years$5,979$5,346$4,774$4,257$3,791$3,275
12 years$5,424$4,799$4,237$3,734$3,285$2,794
13 years$4,956$4,337$3,785$3,296$2,865$2,398
14 years$4,554$3,942$3,401$2,926$2,511$2,068
15 years$4,207$3,601$3,071$2,610$2,211$1,791
16 years$3,903$3,304$2,784$2,337$1,954$1,556
17 years$3,635$3,043$2,533$2,099$1,733$1,356
18 years$3,398$2,812$2,313$1,892$1,541$1,185
19 years$3,185$2,606$2,117$1,710$1,373$1,038
20 years$2,994$2,421$1,943$1,548$1,227$910
21 years$2,822$2,255$1,787$1,405$1,098$800
22 years$2,665$2,105$1,647$1,278$984$704
23 years$2,522$1,969$1,521$1,164$883$620
24 years$2,391$1,845$1,406$1,061$794$547
25 years$2,271$1,731$1,303$969$714$483
26 years$2,161$1,627$1,208$886$643$426
27 years$2,058$1,531$1,122$811$580$377
28 years$1,964$1,443$1,043$743$523$333
29 years$1,875$1,361$971$682$473$295
30 years$1,793$1,286$904$625$427$261
31 years$1,717$1,215$843$574$386$232
32 years$1,645$1,150$786$528$349$205
33 years$1,578$1,089$734$485$316$182
34 years$1,515$1,032$686$447$286$161
35 years$1,455$979$641$411$259$143
36 years$1,399$929$600$379$235$127
37 years$1,346$883$562$349$213$113
38 years$1,296$839$526$322$193$100
39 years$1,249$798$493$297$175$89
40 years$1,204$759$462$274$159$79
41 years$1,162$722$433$252$144$70
42 years$1,122$688$406$233$131$62
43 years$1,083$655$381$215$119$55
44 years$1,047$625$358$199$108$49
45 years$1,012$596$336$183$98$44
46 years$979$568$316$169$89$39
47 years$947$542$296$156$81$34
48 years$917$518$279$145$73$31
49 years$888$494$262$134$66$27
50 years$860$472$246$123$60$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $881,000, adding $5,295 every year, while hoping to spend $39,905 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: 42/36/22 Blend
51$881,000$881,000$881,000$881,000
52$976,324$929,631$915,975$1,010,842
53$1,033,450$932,724$904,202$1,039,025
54$1,095,066$934,632$890,697$1,065,284
55$1,161,587$935,253$875,359$1,092,913
56$1,233,470$934,482$858,085$1,122,062
57$1,311,218$932,205$838,764$1,152,893
58$1,395,381$928,302$817,282$1,185,592
59$1,486,568$922,646$793,519$1,220,364
60$1,585,445$915,103$767,348$1,257,438
61$1,692,745$905,528$738,640$1,297,070
62$1,809,275$893,769$707,255$1,339,545
63$1,935,924$879,667$673,051$1,385,180
64$2,073,668$863,049$635,877$1,434,330
65$2,223,579$843,736$595,576$1,487,386
66$2,386,842$821,537$551,985$1,544,787
67$2,564,755$796,248$504,933$1,607,020
68$2,758,751$767,655$454,239$1,674,625
69$2,970,405$735,531$399,717$1,748,204
70$3,201,451$699,637$341,172$1,828,424
71$3,453,798$659,718$278,400$1,916,026
72$3,729,547$615,505$211,188$2,011,834
73$4,031,011$566,715$139,313$2,116,760
74$4,360,737$513,048$62,543$2,231,817
75$4,721,531$454,185$0$2,358,129
76$5,116,479$389,793$0$2,501,490
77$5,548,982$319,515$0$2,674,695
78$6,022,786$242,979$0$2,864,638
79$6,542,013$159,788$0$3,073,078
80$7,111,206$69,525$0$3,301,958
81$7,735,367$0$0$3,553,428
82$8,420,005$0$0$3,841,052
83$9,171,188$0$0$4,186,964
84$9,995,601$0$0$4,566,713
85$10,900,606$0$0$4,983,707
86$11,894,313$0$0$5,441,696
87$12,985,657$0$0$5,944,814
88$14,184,478$0$0$6,497,615
89$15,501,620$0$0$7,105,113
90$16,949,025$0$0$7,772,836
91$18,539,851$0$0$8,506,871
92$20,288,596$0$0$9,313,925
93$22,211,230$0$0$10,201,389
94$24,325,348$0$0$11,177,403
95$26,650,336$0$0$12,250,939
96$29,207,553$0$0$13,431,878
97$32,020,531$0$0$14,731,110
98$35,115,197$0$0$16,160,634
99$38,520,119$0$0$17,733,667
100$42,266,774$0$0$19,464,777