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%17%
1 years$72,752$72,104$71,472$70,855$70,252$68,250
2 years$36,016$35,345$34,695$34,065$33,453$31,451
3 years$23,772$23,098$22,450$21,826$21,224$19,286
4 years$17,651$16,980$16,338$15,724$15,137$13,277
5 years$13,980$13,312$12,679$12,078$11,507$9,730
6 years$11,533$10,871$10,246$9,659$9,105$7,413
7 years$9,786$9,129$8,515$7,941$7,405$5,798
8 years$8,476$7,825$7,221$6,661$6,143$4,620
9 years$7,458$6,813$6,220$5,674$5,173$3,733
10 years$6,644$6,006$5,422$4,891$4,408$3,048
11 years$5,979$5,346$4,774$4,257$3,791$2,509
12 years$5,424$4,799$4,237$3,734$3,285$2,079
13 years$4,956$4,337$3,785$3,296$2,865$1,732
14 years$4,554$3,942$3,401$2,926$2,511$1,449
15 years$4,207$3,601$3,071$2,610$2,211$1,216
16 years$3,903$3,304$2,784$2,337$1,954$1,024
17 years$3,635$3,043$2,533$2,099$1,733$864
18 years$3,398$2,812$2,313$1,892$1,541$731
19 years$3,185$2,606$2,117$1,710$1,373$619
20 years$2,994$2,421$1,943$1,548$1,227$525
21 years$2,822$2,255$1,787$1,405$1,098$446
22 years$2,665$2,105$1,647$1,278$984$379
23 years$2,522$1,969$1,521$1,164$883$322
24 years$2,391$1,845$1,406$1,061$794$274
25 years$2,271$1,731$1,303$969$714$234
26 years$2,161$1,627$1,208$886$643$199
27 years$2,058$1,531$1,122$811$580$170
28 years$1,964$1,443$1,043$743$523$145
29 years$1,875$1,361$971$682$473$124
30 years$1,793$1,286$904$625$427$105
31 years$1,717$1,215$843$574$386$90
32 years$1,645$1,150$786$528$349$77
33 years$1,578$1,089$734$485$316$66
34 years$1,515$1,032$686$447$286$56
35 years$1,455$979$641$411$259$48
36 years$1,399$929$600$379$235$41
37 years$1,346$883$562$349$213$35
38 years$1,296$839$526$322$193$30
39 years$1,249$798$493$297$175$25
40 years$1,204$759$462$274$159$22
41 years$1,162$722$433$252$144$19
42 years$1,122$688$406$233$131$16
43 years$1,083$655$381$215$119$14
44 years$1,047$625$358$199$108$12
45 years$1,012$596$336$183$98$10
46 years$979$568$316$169$89$8
47 years$947$542$296$156$81$7
48 years$917$518$279$145$73$6
49 years$888$494$262$134$66$5
50 years$860$472$246$123$60$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $881,000, adding $4,399 every year, while hoping to spend $38,536 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: 65/12/23 Blend
51$881,000$881,000$881,000$881,000
52$975,400$928,707$915,051$1,032,734
53$1,033,888$933,211$904,703$1,076,375
54$1,097,051$936,645$892,717$1,119,305
55$1,165,325$938,915$878,997$1,165,340
56$1,239,188$939,922$863,444$1,214,787
57$1,319,168$939,560$845,952$1,267,987
58$1,405,843$937,719$826,411$1,325,312
59$1,499,851$934,279$804,708$1,387,179
60$1,601,892$929,115$780,722$1,454,044
61$1,712,737$922,094$754,328$1,526,412
62$1,833,232$913,073$725,395$1,604,842
63$1,964,311$901,902$693,784$1,689,950
64$2,106,999$888,423$659,354$1,782,417
65$2,262,424$872,467$621,953$1,882,994
66$2,431,828$853,855$581,426$1,992,512
67$2,616,579$832,398$537,608$2,111,886
68$2,818,180$807,896$490,328$2,242,130
69$3,038,288$780,137$439,408$2,384,359
70$3,278,726$748,896$384,661$2,539,808
71$3,541,501$713,936$325,891$2,709,837
72$3,828,821$675,006$262,896$2,895,950
73$4,143,119$631,840$195,461$3,099,805
74$4,487,075$584,158$123,367$3,323,233
75$4,863,636$531,661$46,379$3,568,253
76$5,276,052$474,037$0$3,837,096
77$5,727,898$410,954$0$4,141,003
78$6,223,114$342,061$0$4,486,624
79$6,766,037$266,988$0$4,865,627
80$7,361,445$185,343$0$5,281,385
81$8,014,602$96,714$0$5,737,613
82$8,731,302$664$0$6,238,409
83$9,517,931$0$0$6,788,287
84$10,381,522$0$0$7,405,860
85$11,329,820$0$0$8,084,168
86$12,371,361$0$0$8,829,235
87$13,515,544$0$0$9,647,794
88$14,772,727$0$0$10,547,263
89$16,154,319$0$0$11,535,812
90$17,672,888$0$0$12,622,443
91$19,342,282$0$0$13,817,076
92$21,177,757$0$0$15,130,636
93$23,196,121$0$0$16,575,163
94$25,415,893$0$0$18,163,918
95$27,857,476$0$0$19,911,517
96$30,543,348$0$0$21,834,059
97$33,498,278$0$0$23,949,285
98$36,749,556$0$0$26,276,741
99$40,327,249$0$0$28,837,964
100$44,264,488$0$0$31,656,682