Can I retire at age 52 with 882,000?

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 $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%16%
1 years$72,835$72,186$71,553$70,935$70,332$68,604
2 years$36,057$35,385$34,734$34,103$33,491$31,761
3 years$23,799$23,125$22,475$21,850$21,248$19,570
4 years$17,671$16,999$16,356$15,742$15,154$13,541
5 years$13,996$13,327$12,693$12,091$11,520$9,976
6 years$11,546$10,883$10,258$9,670$9,116$7,642
7 years$9,797$9,139$8,524$7,950$7,413$6,011
8 years$8,486$7,834$7,229$6,669$6,150$4,818
9 years$7,467$6,821$6,227$5,680$5,179$3,916
10 years$6,652$6,012$5,429$4,897$4,413$3,218
11 years$5,985$5,353$4,779$4,262$3,795$2,666
12 years$5,431$4,804$4,241$3,738$3,289$2,224
13 years$4,961$4,342$3,789$3,300$2,868$1,865
14 years$4,560$3,946$3,405$2,929$2,514$1,571
15 years$4,212$3,605$3,074$2,613$2,214$1,328
16 years$3,908$3,308$2,787$2,339$1,956$1,126
17 years$3,640$3,046$2,536$2,102$1,735$957
18 years$3,402$2,815$2,315$1,894$1,542$815
19 years$3,189$2,609$2,119$1,711$1,375$696
20 years$2,998$2,424$1,945$1,550$1,228$595
21 years$2,825$2,258$1,789$1,407$1,099$509
22 years$2,668$2,108$1,649$1,279$985$436
23 years$2,525$1,971$1,523$1,165$884$374
24 years$2,394$1,847$1,408$1,062$795$321
25 years$2,274$1,733$1,304$970$715$275
26 years$2,163$1,629$1,210$887$644$236
27 years$2,061$1,533$1,123$812$581$203
28 years$1,966$1,445$1,044$744$524$175
29 years$1,878$1,363$972$682$473$150
30 years$1,795$1,287$905$626$428$129
31 years$1,719$1,217$844$575$387$111
32 years$1,647$1,151$787$529$350$96
33 years$1,580$1,090$735$486$316$83
34 years$1,516$1,033$687$447$287$71
35 years$1,457$980$642$412$260$61
36 years$1,401$930$601$379$235$53
37 years$1,348$884$562$349$213$45
38 years$1,298$840$526$322$193$39
39 years$1,251$798$493$297$175$34
40 years$1,206$760$462$274$159$29
41 years$1,163$723$434$253$144$25
42 years$1,123$689$407$233$131$22
43 years$1,085$656$382$215$119$19
44 years$1,048$625$358$199$108$16
45 years$1,013$596$336$184$98$14
46 years$980$569$316$170$89$12
47 years$948$543$297$157$81$10
48 years$918$518$279$145$73$9
49 years$889$495$262$134$67$8
50 years$861$473$246$124$60$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $882,000, adding $6,453 every year, while hoping to spend $25,775 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: 35/43/22 Blend
51$882,000$882,000$882,000$882,000
52$978,620$931,874$918,203$1,006,139
53$1,051,015$950,112$921,539$1,045,233
54$1,129,930$968,379$924,122$1,084,553
55$1,216,004$986,650$925,901$1,126,455
56$1,309,938$1,004,897$926,820$1,171,184
57$1,412,505$1,023,091$926,822$1,219,012
58$1,524,556$1,041,198$925,846$1,270,238
59$1,647,027$1,059,183$923,828$1,325,194
60$1,780,950$1,077,009$920,703$1,384,245
61$1,927,460$1,094,635$916,399$1,447,794
62$2,087,806$1,112,018$910,844$1,516,289
63$2,263,366$1,129,111$903,961$1,590,220
64$2,455,655$1,145,863$895,669$1,670,133
65$2,666,343$1,162,221$885,885$1,756,627
66$2,897,267$1,178,127$874,519$1,850,365
67$3,150,452$1,193,519$861,480$1,952,080
68$3,428,129$1,208,332$846,670$2,062,580
69$3,732,753$1,222,496$829,989$2,182,758
70$4,067,031$1,235,934$811,329$2,313,599
71$4,433,940$1,248,568$790,582$2,456,191
72$4,836,765$1,260,311$767,629$2,611,735
73$5,279,121$1,271,071$742,350$2,781,558
74$5,764,991$1,280,753$714,618$2,967,123
75$6,298,762$1,289,253$684,301$3,170,045
76$6,885,269$1,296,459$651,258$3,392,109
77$7,529,837$1,302,256$615,345$3,635,281
78$8,238,332$1,306,519$576,411$3,901,734
79$9,017,218$1,309,114$534,297$4,193,866
80$9,873,616$1,309,902$488,838$4,514,322
81$10,815,370$1,308,733$439,859$4,866,021
82$11,851,125$1,305,448$387,181$5,252,184
83$12,990,403$1,299,878$330,615$5,676,366
84$14,243,697$1,291,845$269,964$6,142,488
85$15,622,567$1,281,159$205,021$6,654,878
86$17,139,752$1,267,618$135,572$7,218,307
87$18,809,286$1,251,010$61,392$7,838,043
88$20,646,632$1,231,109$0$8,519,895
89$22,668,830$1,207,675$0$9,274,442
90$24,894,654$1,180,454$0$10,120,233
91$27,344,790$1,149,178$0$11,050,698
92$30,042,033$1,113,562$0$12,074,501
93$33,011,499$1,073,305$0$13,201,193
94$36,280,863$1,028,088$0$14,441,304
95$39,880,622$977,575$0$15,806,443
96$43,844,378$921,409$0$17,309,410
97$48,209,160$859,213$0$18,964,316
98$53,015,767$790,588$0$20,786,718
99$58,309,161$715,112$0$22,793,766
100$64,138,883$632,340$0$25,004,366