Can I retire at age 52 with 883,000?

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 $883,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.9%
1 years$72,917$72,268$71,634$71,016$70,412$68,990
2 years$36,098$35,425$34,774$34,142$33,529$32,103
3 years$23,826$23,151$22,501$21,875$21,272$19,886
4 years$17,691$17,018$16,375$15,760$15,172$13,836
5 years$14,012$13,343$12,708$12,105$11,533$10,253
6 years$11,559$10,895$10,270$9,681$9,126$7,901
7 years$9,808$9,150$8,534$7,959$7,422$6,253
8 years$8,496$7,843$7,238$6,677$6,157$5,044
9 years$7,475$6,829$6,234$5,687$5,185$4,128
10 years$6,659$6,019$5,435$4,902$4,418$3,415
11 years$5,992$5,359$4,785$4,266$3,800$2,849
12 years$5,437$4,810$4,246$3,742$3,293$2,394
13 years$4,967$4,346$3,794$3,304$2,871$2,022
14 years$4,565$3,951$3,409$2,933$2,517$1,716
15 years$4,216$3,609$3,078$2,615$2,216$1,462
16 years$3,912$3,311$2,790$2,342$1,959$1,249
17 years$3,644$3,050$2,539$2,104$1,737$1,070
18 years$3,405$2,818$2,318$1,896$1,544$919
19 years$3,192$2,612$2,122$1,713$1,376$791
20 years$3,001$2,427$1,947$1,552$1,229$681
21 years$2,828$2,261$1,791$1,408$1,100$588
22 years$2,671$2,110$1,651$1,281$986$508
23 years$2,528$1,974$1,524$1,166$885$439
24 years$2,397$1,849$1,410$1,064$796$380
25 years$2,277$1,735$1,306$971$716$329
26 years$2,166$1,631$1,211$888$645$285
27 years$2,063$1,535$1,124$813$581$248
28 years$1,968$1,446$1,045$745$525$215
29 years$1,880$1,364$973$683$474$186
30 years$1,797$1,289$906$627$428$162
31 years$1,721$1,218$845$576$387$141
32 years$1,649$1,153$788$529$350$122
33 years$1,581$1,092$736$487$317$106
34 years$1,518$1,034$688$448$287$92
35 years$1,459$981$643$412$260$80
36 years$1,402$931$601$380$235$70
37 years$1,349$885$563$350$213$61
38 years$1,299$841$527$322$193$53
39 years$1,252$799$494$297$175$46
40 years$1,207$761$463$274$159$40
41 years$1,165$724$434$253$144$35
42 years$1,124$689$407$233$131$30
43 years$1,086$657$382$215$119$26
44 years$1,049$626$359$199$108$23
45 years$1,014$597$337$184$98$20
46 years$981$570$316$170$89$17
47 years$949$544$297$157$81$15
48 years$919$519$279$145$73$13
49 years$890$496$262$134$67$11
50 years$862$473$247$124$60$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $883,000, adding $2,270 every year, while hoping to spend $33,676 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: 64/29/7 Blend
51$883,000$883,000$883,000$883,000
52$975,408$928,609$914,922$1,036,426
53$1,039,068$938,279$909,741$1,087,015
54$1,108,093$947,295$903,258$1,138,064
55$1,182,995$955,589$895,393$1,192,939
56$1,264,336$963,088$886,064$1,252,012
57$1,352,734$969,716$875,183$1,315,688
58$1,448,872$975,390$862,661$1,384,417
59$1,553,498$980,025$848,400$1,458,694
60$1,667,435$983,528$832,303$1,539,064
61$1,791,593$985,799$814,264$1,626,130
62$1,926,968$986,736$794,174$1,720,557
63$2,074,658$986,226$771,919$1,823,078
64$2,235,875$984,152$747,380$1,934,500
65$2,411,948$980,390$720,430$2,055,717
66$2,604,342$974,805$690,941$2,187,710
67$2,814,672$967,257$658,774$2,331,567
68$3,044,713$957,597$623,788$2,488,483
69$3,296,421$945,667$585,832$2,659,779
70$3,571,949$931,298$544,751$2,846,913
71$3,873,669$914,312$500,381$3,051,489
72$4,204,192$894,522$452,552$3,275,281
73$4,566,394$871,728$401,087$3,520,244
74$4,963,442$845,718$345,799$3,788,533
75$5,398,823$816,269$286,493$4,082,527
76$5,876,380$783,143$222,968$4,404,848
77$6,400,345$746,091$155,012$4,758,391
78$6,975,379$704,848$82,403$5,146,345
79$7,606,615$659,133$4,911$5,572,231
80$8,299,709$608,650$0$6,039,929
81$9,060,891$553,086$0$6,559,530
82$9,897,024$492,109$0$7,130,714
83$10,815,668$425,370$0$7,758,339
84$11,825,152$352,499$0$8,448,167
85$12,934,652$273,105$0$9,206,550
86$14,154,275$186,776$0$10,040,493
87$15,495,159$93,076$0$10,957,717
88$16,969,574$0$0$11,966,736
89$18,591,036$0$0$13,079,634
90$20,374,441$0$0$14,336,418
91$22,336,198$0$0$15,718,957
92$24,494,385$0$0$17,240,003
93$26,868,925$0$0$18,913,603
94$29,481,765$0$0$20,755,237
95$32,357,089$0$0$22,781,959
96$35,521,545$0$0$25,012,563
97$39,004,492$0$0$27,467,753
98$42,838,281$0$0$30,170,346
99$47,058,560$0$0$33,145,481
100$51,704,607$0$0$36,420,860