Can I retire at age 52 with 884,000?

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 $884,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$73,000$72,350$71,715$71,096$70,491$69,125
2 years$36,139$35,466$34,813$34,181$33,567$32,196
3 years$23,853$23,177$22,526$21,900$21,296$19,963
4 years$17,712$17,038$16,393$15,778$15,189$13,904
5 years$14,028$13,358$12,722$12,119$11,546$10,313
6 years$11,572$10,908$10,281$9,691$9,136$7,957
7 years$9,819$9,160$8,544$7,968$7,430$6,304
8 years$8,505$7,852$7,246$6,684$6,164$5,091
9 years$7,484$6,837$6,241$5,693$5,191$4,171
10 years$6,667$6,026$5,441$4,908$4,423$3,455
11 years$5,999$5,365$4,790$4,271$3,804$2,886
12 years$5,443$4,815$4,251$3,746$3,296$2,428
13 years$4,973$4,351$3,798$3,308$2,875$2,054
14 years$4,570$3,955$3,413$2,936$2,520$1,745
15 years$4,221$3,613$3,081$2,618$2,219$1,489
16 years$3,916$3,315$2,793$2,345$1,961$1,274
17 years$3,648$3,053$2,542$2,107$1,739$1,093
18 years$3,409$2,821$2,320$1,898$1,546$940
19 years$3,196$2,615$2,124$1,715$1,378$810
20 years$3,004$2,430$1,950$1,554$1,231$699
21 years$2,831$2,263$1,793$1,410$1,101$604
22 years$2,674$2,113$1,653$1,282$987$523
23 years$2,531$1,976$1,526$1,168$886$453
24 years$2,400$1,851$1,411$1,065$797$393
25 years$2,279$1,737$1,307$973$717$341
26 years$2,168$1,633$1,212$889$646$296
27 years$2,065$1,537$1,126$814$582$257
28 years$1,970$1,448$1,047$746$525$223
29 years$1,882$1,366$974$684$474$194
30 years$1,799$1,290$907$628$429$169
31 years$1,723$1,219$846$576$387$147
32 years$1,651$1,154$789$530$350$128
33 years$1,583$1,093$737$487$317$111
34 years$1,520$1,036$688$448$287$97
35 years$1,460$982$644$413$260$84
36 years$1,404$932$602$380$236$73
37 years$1,351$886$563$350$214$64
38 years$1,301$842$528$323$194$56
39 years$1,253$800$494$298$176$49
40 years$1,209$761$463$274$159$42
41 years$1,166$725$435$253$144$37
42 years$1,125$690$408$234$131$32
43 years$1,087$658$382$216$119$28
44 years$1,050$627$359$199$108$24
45 years$1,015$598$337$184$98$21
46 years$982$570$317$170$89$19
47 years$950$544$297$157$81$16
48 years$920$520$280$145$73$14
49 years$891$496$263$134$67$12
50 years$863$474$247$124$61$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $884,000, adding $3,146 every year, while hoping to spend $29,774 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: 36/46/18 Blend
51$884,000$884,000$884,000$884,000
52$977,413$930,561$916,859$1,007,144
53$1,045,430$944,479$915,895$1,042,944
54$1,119,387$958,082$913,900$1,078,542
55$1,199,857$971,321$910,809$1,116,347
56$1,287,475$984,147$906,553$1,156,573
57$1,382,934$996,507$901,059$1,199,457
58$1,487,000$1,008,343$894,251$1,245,261
59$1,600,515$1,019,593$886,050$1,294,274
60$1,724,407$1,030,193$876,372$1,346,817
61$1,859,696$1,040,072$865,130$1,403,246
62$2,007,506$1,049,156$852,233$1,463,953
63$2,169,073$1,057,366$837,584$1,529,373
64$2,345,760$1,064,618$821,084$1,599,986
65$2,539,064$1,070,822$802,628$1,676,326
66$2,750,638$1,075,881$782,105$1,758,979
67$2,982,299$1,079,695$759,402$1,848,598
68$3,236,049$1,082,156$734,397$1,945,902
69$3,514,093$1,083,148$706,966$2,051,687
70$3,818,858$1,082,550$676,977$2,166,833
71$4,153,018$1,080,231$644,292$2,292,312
72$4,519,518$1,076,056$608,769$2,429,201
73$4,921,603$1,069,876$570,256$2,578,687
74$5,362,845$1,061,538$528,598$2,742,085
75$5,847,180$1,050,878$483,631$2,920,846
76$6,378,942$1,037,721$435,182$3,116,574
77$6,962,908$1,021,883$383,074$3,331,042
78$7,604,337$1,003,169$327,120$3,566,207
79$8,309,026$981,370$267,125$3,824,233
80$9,083,358$956,268$202,885$4,107,509
81$9,934,366$927,631$134,187$4,418,673
82$10,869,799$895,213$60,810$4,760,639
83$11,898,193$858,753$0$5,136,627
84$13,028,953$817,976$0$5,553,548
85$14,272,441$772,591$0$6,024,650
86$15,640,072$722,291$0$6,542,619
87$17,144,425$666,748$0$7,112,289
88$18,799,357$605,620$0$7,738,991
89$20,620,138$538,541$0$8,428,607
90$22,623,590$465,128$0$9,187,624
91$24,828,251$384,974$0$10,023,200
92$27,254,545$297,650$0$10,943,230
93$29,924,975$202,702$0$11,956,423
94$32,864,339$99,651$0$13,072,385
95$36,099,960$0$0$14,301,710
96$39,661,942$0$0$15,662,163
97$43,583,460$0$0$17,215,624
98$47,901,067$0$0$18,926,148
99$52,655,041$0$0$20,809,714
100$57,889,764$0$0$22,883,926