Can I retire at age 52 with 885,000?

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 $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%19%
1 years$73,082$72,431$71,796$71,176$70,571$68,013
2 years$36,179$35,506$34,853$34,219$33,605$31,056
3 years$23,880$23,203$22,552$21,925$21,321$18,861
4 years$17,732$17,057$16,412$15,796$15,206$12,854
5 years$14,043$13,373$12,736$12,132$11,559$9,321
6 years$11,585$10,920$10,293$9,702$9,147$7,024
7 years$9,830$9,171$8,553$7,977$7,439$5,431
8 years$8,515$7,861$7,254$6,692$6,171$4,277
9 years$7,492$6,844$6,248$5,700$5,197$3,414
10 years$6,674$6,033$5,447$4,913$4,428$2,753
11 years$6,006$5,371$4,795$4,276$3,808$2,237
12 years$5,449$4,820$4,256$3,751$3,300$1,829
13 years$4,978$4,356$3,802$3,311$2,878$1,503
14 years$4,575$3,960$3,416$2,939$2,523$1,240
15 years$4,226$3,617$3,085$2,621$2,221$1,026
16 years$3,921$3,319$2,797$2,347$1,963$852
17 years$3,652$3,057$2,545$2,109$1,741$708
18 years$3,413$2,824$2,323$1,901$1,548$590
19 years$3,200$2,618$2,127$1,717$1,379$492
20 years$3,008$2,432$1,952$1,555$1,232$411
21 years$2,834$2,266$1,795$1,412$1,103$344
22 years$2,677$2,115$1,655$1,283$988$288
23 years$2,534$1,978$1,528$1,169$887$241
24 years$2,402$1,853$1,413$1,066$797$202
25 years$2,282$1,739$1,309$974$718$169
26 years$2,170$1,635$1,214$890$646$142
27 years$2,068$1,538$1,127$815$583$119
28 years$1,972$1,450$1,048$747$526$100
29 years$1,884$1,368$975$685$475$84
30 years$1,801$1,291$908$628$429$70
31 years$1,724$1,221$847$577$388$59
32 years$1,652$1,155$790$530$351$50
33 years$1,585$1,094$738$488$318$42
34 years$1,521$1,037$689$449$287$35
35 years$1,462$983$644$413$260$29
36 years$1,406$933$603$380$236$25
37 years$1,353$887$564$351$214$21
38 years$1,302$843$528$323$194$17
39 years$1,255$801$495$298$176$15
40 years$1,210$762$464$275$159$12
41 years$1,167$726$435$253$145$10
42 years$1,127$691$408$234$131$9
43 years$1,088$658$383$216$119$7
44 years$1,052$628$359$199$108$6
45 years$1,017$598$337$184$98$5
46 years$983$571$317$170$89$4
47 years$951$545$298$157$81$4
48 years$921$520$280$145$73$3
49 years$892$497$263$134$67$3
50 years$864$474$247$124$61$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $885,000, adding $5,619 every year, while hoping to spend $23,266 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: 52/24/24 Blend
51$885,000$885,000$885,000$885,000
52$981,066$934,161$920,443$1,025,259
53$1,056,380$955,180$926,524$1,077,442
54$1,138,596$976,449$932,027$1,131,332
55$1,228,394$997,956$936,911$1,189,474
56$1,326,521$1,019,688$941,129$1,252,283
57$1,433,802$1,041,628$944,633$1,320,214
58$1,551,143$1,063,760$947,371$1,393,771
59$1,679,541$1,086,067$949,290$1,473,506
60$1,820,098$1,108,527$950,334$1,560,033
61$1,974,022$1,131,119$950,444$1,654,023
62$2,142,647$1,153,818$949,559$1,756,220
63$2,327,440$1,176,599$947,613$1,867,442
64$2,530,020$1,199,433$944,538$1,988,592
65$2,752,166$1,222,289$940,264$2,120,664
66$2,995,839$1,245,134$934,716$2,264,756
67$3,263,200$1,267,931$927,814$2,422,077
68$3,556,628$1,290,641$919,477$2,593,960
69$3,878,744$1,313,222$909,620$2,781,876
70$4,232,435$1,335,630$898,151$2,987,445
71$4,620,881$1,357,813$884,977$3,212,454
72$5,047,587$1,379,721$869,999$3,458,873
73$5,516,410$1,401,297$853,114$3,728,873
74$6,031,604$1,422,481$834,213$4,024,850
75$6,597,851$1,443,206$813,183$4,349,443
76$7,220,313$1,463,405$789,906$4,705,563
77$7,904,675$1,483,001$764,257$5,096,418
78$8,657,200$1,501,917$736,109$5,525,544
79$9,484,790$1,520,066$705,323$5,996,843
80$10,395,047$1,537,358$671,761$6,514,613
81$11,396,349$1,553,696$635,272$7,083,592
82$12,497,926$1,568,976$595,702$7,709,007
83$13,709,947$1,583,088$552,891$8,396,617
84$15,043,616$1,595,914$506,667$9,152,771
85$16,511,281$1,607,329$456,856$9,984,469
86$18,126,543$1,617,200$403,273$10,899,426
87$19,904,392$1,625,385$345,724$11,906,149
88$21,861,344$1,631,732$284,009$13,014,014
89$24,015,595$1,636,082$217,918$14,233,356
90$26,387,199$1,638,263$147,232$15,575,570
91$28,998,250$1,638,094$71,720$17,053,213
92$31,873,094$1,635,383$0$18,680,130
93$35,038,558$1,629,926$0$20,473,850
94$38,524,204$1,621,505$0$22,468,672
95$42,362,604$1,609,890$0$24,664,818
96$46,589,653$1,594,838$0$27,082,793
97$51,244,901$1,576,089$0$29,745,198
98$56,371,933$1,553,369$0$32,676,938
99$62,018,773$1,526,387$0$35,905,459
100$68,238,344$1,494,836$0$39,461,009