Can I retire at age 52 with 882,000?

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 $882,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11%
1 years$72,835$72,186$71,553$70,935$70,332$70,036
2 years$36,057$35,385$34,734$34,103$33,491$33,192
3 years$23,799$23,125$22,475$21,850$21,248$20,956
4 years$17,671$16,999$16,356$15,742$15,154$14,870
5 years$13,996$13,327$12,693$12,091$11,520$11,246
6 years$11,546$10,883$10,258$9,670$9,116$8,851
7 years$9,797$9,139$8,524$7,950$7,413$7,159
8 years$8,486$7,834$7,229$6,669$6,150$5,905
9 years$7,467$6,821$6,227$5,680$5,179$4,945
10 years$6,652$6,012$5,429$4,897$4,413$4,188
11 years$5,985$5,353$4,779$4,262$3,795$3,580
12 years$5,431$4,804$4,241$3,738$3,289$3,083
13 years$4,961$4,342$3,789$3,300$2,868$2,672
14 years$4,560$3,946$3,405$2,929$2,514$2,327
15 years$4,212$3,605$3,074$2,613$2,214$2,036
16 years$3,908$3,308$2,787$2,339$1,956$1,787
17 years$3,640$3,046$2,536$2,102$1,735$1,574
18 years$3,402$2,815$2,315$1,894$1,542$1,390
19 years$3,189$2,609$2,119$1,711$1,375$1,230
20 years$2,998$2,424$1,945$1,550$1,228$1,091
21 years$2,825$2,258$1,789$1,407$1,099$969
22 years$2,668$2,108$1,649$1,279$985$862
23 years$2,525$1,971$1,523$1,165$884$768
24 years$2,394$1,847$1,408$1,062$795$685
25 years$2,274$1,733$1,304$970$715$612
26 years$2,163$1,629$1,210$887$644$547
27 years$2,061$1,533$1,123$812$581$489
28 years$1,966$1,445$1,044$744$524$438
29 years$1,878$1,363$972$682$473$393
30 years$1,795$1,287$905$626$428$352
31 years$1,719$1,217$844$575$387$316
32 years$1,647$1,151$787$529$350$283
33 years$1,580$1,090$735$486$316$254
34 years$1,516$1,033$687$447$287$228
35 years$1,457$980$642$412$260$205
36 years$1,401$930$601$379$235$184
37 years$1,348$884$562$349$213$166
38 years$1,298$840$526$322$193$149
39 years$1,251$798$493$297$175$134
40 years$1,206$760$462$274$159$120
41 years$1,163$723$434$253$144$108
42 years$1,123$689$407$233$131$97
43 years$1,085$656$382$215$119$88
44 years$1,048$625$358$199$108$79
45 years$1,013$596$336$184$98$71
46 years$980$569$316$170$89$64
47 years$948$543$297$157$81$58
48 years$918$518$279$145$73$52
49 years$889$495$262$134$67$47
50 years$861$473$246$124$60$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $882,000, adding $3,433 every year, while hoping to spend $58,309 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: 72/23/5 Blend
51$882,000$882,000$882,000$882,000
52$975,505$928,759$915,088$1,045,068
53$1,012,966$912,228$883,703$1,074,846
54$1,052,294$892,933$849,313$1,099,787
55$1,093,618$870,676$811,754$1,125,438
56$1,137,077$845,249$770,858$1,151,852
57$1,182,824$816,432$726,447$1,179,087
58$1,231,026$783,990$678,336$1,207,210
59$1,281,861$747,677$626,332$1,236,293
60$1,335,528$707,230$570,231$1,266,420
61$1,392,241$662,373$509,822$1,297,684
62$1,452,234$612,813$444,886$1,330,188
63$1,515,762$558,242$375,190$1,364,049
64$1,583,106$498,332$300,495$1,399,398
65$1,654,570$432,737$220,549$1,436,381
66$1,730,487$361,093$135,089$1,475,160
67$1,811,224$283,013$43,841$1,515,919
68$1,897,179$198,091$0$1,558,862
69$1,988,790$105,896$0$1,607,072
70$2,086,534$5,973$0$1,660,629
71$2,190,938$0$0$1,717,494
72$2,302,576$0$0$1,803,855
73$2,422,078$0$0$1,897,944
74$2,550,135$0$0$1,998,799
75$2,687,505$0$0$2,107,020
76$2,835,021$0$0$2,223,267
77$2,993,596$0$0$2,348,262
78$3,164,231$0$0$2,482,802
79$3,348,028$0$0$2,627,757
80$3,546,195$0$0$2,784,086
81$3,760,059$0$0$2,952,842
82$3,991,081$0$0$3,135,182
83$4,240,863$0$0$3,332,377
84$4,511,168$0$0$3,545,824
85$4,803,933$0$0$3,777,060
86$5,121,287$0$0$4,027,772
87$5,465,573$0$0$4,299,819
88$5,839,367$0$0$4,595,243
89$6,245,501$0$0$4,916,291
90$6,687,092$0$0$5,265,434
91$7,167,568$0$0$5,645,392
92$7,690,703$0$0$6,059,156
93$8,260,647$0$0$6,510,019
94$8,881,968$0$0$7,001,604
95$9,559,694$0$0$7,537,899
96$10,299,359$0$0$8,123,294
97$11,107,053$0$0$8,762,619
98$11,989,483$0$0$9,461,194
99$12,954,030$0$0$10,224,875
100$14,008,823$0$0$11,060,108