Can I retire at age 52 with 885,000?

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 $885,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$73,082$72,431$71,796$71,176$70,571$68,203
2 years$36,179$35,506$34,853$34,219$33,605$31,243
3 years$23,880$23,203$22,552$21,925$21,321$19,038
4 years$17,732$17,057$16,412$15,796$15,206$13,021
5 years$14,043$13,373$12,736$12,132$11,559$9,477
6 years$11,585$10,920$10,293$9,702$9,147$7,169
7 years$9,830$9,171$8,553$7,977$7,439$5,565
8 years$8,515$7,861$7,254$6,692$6,171$4,401
9 years$7,492$6,844$6,248$5,700$5,197$3,528
10 years$6,674$6,033$5,447$4,913$4,428$2,857
11 years$6,006$5,371$4,795$4,276$3,808$2,333
12 years$5,449$4,820$4,256$3,751$3,300$1,916
13 years$4,978$4,356$3,802$3,311$2,878$1,582
14 years$4,575$3,960$3,416$2,939$2,523$1,312
15 years$4,226$3,617$3,085$2,621$2,221$1,091
16 years$3,921$3,319$2,797$2,347$1,963$910
17 years$3,652$3,057$2,545$2,109$1,741$761
18 years$3,413$2,824$2,323$1,901$1,548$637
19 years$3,200$2,618$2,127$1,717$1,379$534
20 years$3,008$2,432$1,952$1,555$1,232$449
21 years$2,834$2,266$1,795$1,412$1,103$377
22 years$2,677$2,115$1,655$1,283$988$317
23 years$2,534$1,978$1,528$1,169$887$267
24 years$2,402$1,853$1,413$1,066$797$225
25 years$2,282$1,739$1,309$974$718$190
26 years$2,170$1,635$1,214$890$646$160
27 years$2,068$1,538$1,127$815$583$135
28 years$1,972$1,450$1,048$747$526$114
29 years$1,884$1,368$975$685$475$96
30 years$1,801$1,291$908$628$429$81
31 years$1,724$1,221$847$577$388$69
32 years$1,652$1,155$790$530$351$58
33 years$1,585$1,094$738$488$318$49
34 years$1,521$1,037$689$449$287$41
35 years$1,462$983$644$413$260$35
36 years$1,406$933$603$380$236$30
37 years$1,353$887$564$351$214$25
38 years$1,302$843$528$323$194$21
39 years$1,255$801$495$298$176$18
40 years$1,210$762$464$275$159$15
41 years$1,167$726$435$253$145$13
42 years$1,127$691$408$234$131$11
43 years$1,088$658$383$216$119$9
44 years$1,052$628$359$199$108$8
45 years$1,017$598$337$184$98$6
46 years$983$571$317$170$89$5
47 years$951$545$298$157$81$5
48 years$921$520$280$145$73$4
49 years$892$497$263$134$67$3
50 years$864$474$247$124$61$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $885,000, adding $4,254 every year, while hoping to spend $26,041 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: 65/29/6 Blend
51$885,000$885,000$885,000$885,000
52$979,658$932,753$919,036$1,042,109
53$1,051,876$950,750$922,116$1,102,153
54$1,130,587$968,757$924,426$1,164,227
55$1,216,426$986,746$925,914$1,231,353
56$1,310,093$1,004,687$926,523$1,304,018
57$1,412,355$1,022,550$926,195$1,382,761
58$1,524,060$1,040,300$924,867$1,468,175
59$1,646,140$1,057,900$922,476$1,560,911
60$1,779,621$1,075,312$918,953$1,661,688
61$1,925,632$1,092,492$914,228$1,771,299
62$2,085,418$1,109,396$908,227$1,890,616
63$2,260,348$1,125,974$900,870$2,020,601
64$2,451,931$1,142,174$892,077$2,162,313
65$2,661,828$1,157,940$881,761$2,316,920
66$2,891,869$1,173,213$869,834$2,485,709
67$3,144,067$1,187,928$856,201$2,670,097
68$3,420,641$1,202,016$840,763$2,871,647
69$3,724,037$1,215,406$823,419$3,092,082
70$4,056,946$1,228,017$804,061$3,333,299
71$4,422,332$1,239,768$782,575$3,597,390
72$4,823,463$1,250,569$758,844$3,886,660
73$5,263,936$1,260,327$732,744$4,203,650
74$5,747,713$1,268,939$704,148$4,551,161
75$6,279,163$1,276,300$672,919$4,932,279
76$6,863,093$1,282,294$638,918$5,350,406
77$7,504,803$1,286,801$601,996$5,809,291
78$8,210,130$1,289,692$562,000$6,313,068
79$8,985,506$1,290,829$518,770$6,866,291
80$9,838,015$1,290,067$472,136$7,473,981
81$10,775,464$1,287,251$421,923$8,141,671
82$11,806,452$1,282,218$367,949$8,875,462
83$12,940,456$1,274,792$310,021$9,682,075
84$14,187,915$1,264,790$247,939$10,568,920
85$15,560,332$1,252,014$181,495$11,544,164
86$17,070,381$1,236,258$110,470$12,616,809
87$18,732,027$1,217,301$34,638$13,796,777
88$20,560,655$1,194,910$0$15,095,003
89$22,573,218$1,168,838$0$16,526,504
90$24,788,398$1,138,822$0$18,104,161
91$27,226,777$1,104,586$0$19,840,413
92$29,911,033$1,065,837$0$21,751,416
93$32,866,159$1,022,263$0$23,854,977
94$36,119,689$973,536$0$26,170,719
95$39,701,967$919,309$0$28,720,273
96$43,646,426$859,214$0$31,527,473
97$47,989,909$792,862$0$34,618,593
98$52,773,010$719,843$0$38,022,585
99$58,040,464$639,722$0$41,771,361
100$63,841,563$552,040$0$45,900,089