Can I retire at age 52 with 881,000?

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 $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%14.4%
1 years$72,752$72,104$71,472$70,855$70,252$68,975
2 years$36,016$35,345$34,695$34,065$33,453$32,171
3 years$23,772$23,098$22,450$21,826$21,224$19,977
4 years$17,651$16,980$16,338$15,724$15,137$13,935
5 years$13,980$13,312$12,679$12,078$11,507$10,352
6 years$11,533$10,871$10,246$9,659$9,105$8,000
7 years$9,786$9,129$8,515$7,941$7,405$6,349
8 years$8,476$7,825$7,221$6,661$6,143$5,137
9 years$7,458$6,813$6,220$5,674$5,173$4,216
10 years$6,644$6,006$5,422$4,891$4,408$3,498
11 years$5,979$5,346$4,774$4,257$3,791$2,928
12 years$5,424$4,799$4,237$3,734$3,285$2,468
13 years$4,956$4,337$3,785$3,296$2,865$2,092
14 years$4,554$3,942$3,401$2,926$2,511$1,781
15 years$4,207$3,601$3,071$2,610$2,211$1,523
16 years$3,903$3,304$2,784$2,337$1,954$1,306
17 years$3,635$3,043$2,533$2,099$1,733$1,123
18 years$3,398$2,812$2,313$1,892$1,541$968
19 years$3,185$2,606$2,117$1,710$1,373$836
20 years$2,994$2,421$1,943$1,548$1,227$723
21 years$2,822$2,255$1,787$1,405$1,098$626
22 years$2,665$2,105$1,647$1,278$984$543
23 years$2,522$1,969$1,521$1,164$883$471
24 years$2,391$1,845$1,406$1,061$794$410
25 years$2,271$1,731$1,303$969$714$356
26 years$2,161$1,627$1,208$886$643$310
27 years$2,058$1,531$1,122$811$580$270
28 years$1,964$1,443$1,043$743$523$235
29 years$1,875$1,361$971$682$473$205
30 years$1,793$1,286$904$625$427$179
31 years$1,717$1,215$843$574$386$156
32 years$1,645$1,150$786$528$349$136
33 years$1,578$1,089$734$485$316$119
34 years$1,515$1,032$686$447$286$104
35 years$1,455$979$641$411$259$90
36 years$1,399$929$600$379$235$79
37 years$1,346$883$562$349$213$69
38 years$1,296$839$526$322$193$60
39 years$1,249$798$493$297$175$53
40 years$1,204$759$462$274$159$46
41 years$1,162$722$433$252$144$40
42 years$1,122$688$406$233$131$35
43 years$1,083$655$381$215$119$31
44 years$1,047$625$358$199$108$27
45 years$1,012$596$336$183$98$23
46 years$979$568$316$169$89$20
47 years$947$542$296$156$81$18
48 years$917$518$279$145$73$16
49 years$888$494$262$134$66$14
50 years$860$472$246$123$60$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $881,000, adding $4,959 every year, while hoping to spend $20,216 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: 47/47/6 Blend
51$881,000$881,000$881,000$881,000
52$975,977$929,284$915,629$1,020,067
53$1,054,017$953,309$924,793$1,074,844
54$1,139,340$977,834$933,586$1,131,722
55$1,232,666$1,002,862$941,975$1,192,970
56$1,334,791$1,028,395$949,924$1,258,999
57$1,446,589$1,054,436$957,396$1,330,260
58$1,569,024$1,080,986$964,351$1,407,251
59$1,703,155$1,108,045$970,748$1,490,519
60$1,850,152$1,135,614$976,543$1,580,665
61$2,011,301$1,163,693$981,690$1,678,355
62$2,188,018$1,192,278$986,141$1,784,317
63$2,381,865$1,221,369$989,846$1,899,356
64$2,594,560$1,250,961$992,751$2,024,356
65$2,827,998$1,281,050$994,801$2,160,294
66$3,084,262$1,311,631$995,935$2,308,243
67$3,365,652$1,342,696$996,094$2,469,386
68$3,674,698$1,374,237$995,213$2,645,026
69$4,014,187$1,406,245$993,222$2,836,597
70$4,387,191$1,438,708$990,053$3,045,681
71$4,797,094$1,471,614$985,629$3,274,019
72$5,247,623$1,504,949$979,872$3,523,530
73$5,742,885$1,538,695$972,702$3,796,329
74$6,287,403$1,572,835$964,032$4,094,743
75$6,886,162$1,607,348$953,771$4,421,339
76$7,544,655$1,642,212$941,826$4,778,944
77$8,268,931$1,677,402$928,099$5,170,675
78$9,065,656$1,712,889$912,485$5,599,964
79$9,942,177$1,748,644$894,877$6,070,593
80$10,906,585$1,784,634$875,161$6,586,730
81$11,967,798$1,820,822$853,220$7,152,970
82$13,135,639$1,857,168$828,929$7,774,373
83$14,420,935$1,893,630$802,158$8,456,518
84$15,835,613$1,930,161$772,773$9,205,550
85$17,392,816$1,966,709$740,632$10,028,243
86$19,107,026$2,003,220$705,585$10,932,062
87$20,994,199$2,039,635$667,479$11,925,233
88$23,071,920$2,075,889$626,152$13,016,821
89$25,359,561$2,111,914$581,434$14,216,817
90$27,878,473$2,147,634$533,149$15,536,230
91$30,652,179$2,182,970$481,111$16,987,195
92$33,706,602$2,217,836$425,129$18,583,081
93$37,070,305$2,252,139$365,000$20,338,627
94$40,774,762$2,285,780$300,514$22,270,072
95$44,854,658$2,318,653$231,451$24,395,314
96$49,348,210$2,350,645$157,582$26,734,079
97$54,297,534$2,381,633$78,667$29,308,104
98$59,749,036$2,411,487$0$32,141,346
99$65,753,857$2,440,068$0$35,260,562
100$72,368,347$2,467,228$0$38,699,893