Can I retire at age 52 with 886,000?

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 $886,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.3%
1 years$73,165$72,513$71,877$71,257$70,651$69,395
2 years$36,220$35,546$34,892$34,258$33,643$32,382
3 years$23,907$23,230$22,577$21,950$21,345$20,118
4 years$17,752$17,076$16,431$15,813$15,223$14,040
5 years$14,059$13,388$12,751$12,146$11,572$10,436
6 years$11,599$10,932$10,305$9,713$9,157$8,069
7 years$9,842$9,181$8,563$7,986$7,447$6,407
8 years$8,524$7,870$7,262$6,699$6,178$5,187
9 years$7,501$6,852$6,255$5,706$5,203$4,259
10 years$6,682$6,040$5,453$4,919$4,433$3,537
11 years$6,013$5,377$4,801$4,281$3,813$2,962
12 years$5,455$4,826$4,261$3,755$3,304$2,498
13 years$4,984$4,361$3,807$3,315$2,881$2,119
14 years$4,580$3,964$3,420$2,943$2,526$1,806
15 years$4,231$3,621$3,088$2,624$2,224$1,545
16 years$3,925$3,323$2,800$2,350$1,965$1,325
17 years$3,656$3,060$2,548$2,111$1,743$1,141
18 years$3,417$2,828$2,326$1,903$1,549$984
19 years$3,203$2,621$2,129$1,719$1,381$850
20 years$3,011$2,435$1,954$1,557$1,234$736
21 years$2,838$2,268$1,797$1,413$1,104$638
22 years$2,680$2,117$1,656$1,285$989$554
23 years$2,536$1,980$1,529$1,170$888$481
24 years$2,405$1,855$1,414$1,067$798$418
25 years$2,284$1,741$1,310$975$718$364
26 years$2,173$1,636$1,215$891$647$317
27 years$2,070$1,540$1,128$816$583$276
28 years$1,975$1,451$1,049$747$526$241
29 years$1,886$1,369$976$685$475$210
30 years$1,804$1,293$909$629$430$183
31 years$1,726$1,222$848$578$388$160
32 years$1,654$1,156$791$531$351$140
33 years$1,587$1,095$738$488$318$122
34 years$1,523$1,038$690$449$288$107
35 years$1,463$985$645$414$261$93
36 years$1,407$934$603$381$236$81
37 years$1,354$888$565$351$214$71
38 years$1,304$843$529$323$194$62
39 years$1,256$802$496$298$176$54
40 years$1,211$763$464$275$160$48
41 years$1,169$726$435$254$145$42
42 years$1,128$692$409$234$131$36
43 years$1,089$659$383$216$119$32
44 years$1,053$628$360$200$108$28
45 years$1,018$599$338$184$98$24
46 years$984$572$317$170$89$21
47 years$952$545$298$157$81$19
48 years$922$521$280$145$74$16
49 years$893$497$263$134$67$14
50 years$865$475$248$124$61$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $886,000, adding $2,345 every year, while hoping to spend $54,574 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: 53/40/7 Blend
51$886,000$886,000$886,000$886,000
52$978,791$931,833$918,100$1,028,906
53$1,020,561$919,426$890,790$1,050,718
54$1,064,763$904,583$860,736$1,068,271
55$1,111,587$887,125$827,789$1,086,053
56$1,161,240$866,866$791,791$1,104,097
57$1,213,951$843,607$752,581$1,122,440
58$1,269,968$817,137$709,986$1,141,126
59$1,329,562$787,235$663,828$1,160,209
60$1,393,032$753,664$613,921$1,179,749
61$1,460,704$716,175$560,069$1,199,820
62$1,532,933$674,506$502,069$1,220,504
63$1,610,112$628,376$439,708$1,241,898
64$1,692,669$577,492$372,764$1,264,111
65$1,781,074$521,542$301,005$1,287,273
66$1,875,843$460,197$224,187$1,311,527
67$1,977,541$393,109$142,059$1,337,041
68$2,086,788$319,909$54,356$1,364,003
69$2,204,266$240,210$0$1,392,629
70$2,330,722$153,602$0$1,426,093
71$2,466,978$59,650$0$1,466,264
72$2,613,936$0$0$1,509,413
73$2,772,586$0$0$1,574,447
74$2,944,017$0$0$1,673,158
75$3,129,426$0$0$1,779,989
76$3,330,128$0$0$1,895,706
77$3,547,569$0$0$2,021,152
78$3,783,338$0$0$2,157,254
79$4,039,185$0$0$2,305,032
80$4,317,031$0$0$2,465,606
81$4,618,991$0$0$2,640,212
82$4,947,393$0$0$2,830,205
83$5,304,795$0$0$3,037,079
84$5,694,015$0$0$3,262,478
85$6,118,151$0$0$3,508,209
86$6,580,615$0$0$3,776,263
87$7,085,159$0$0$4,068,830
88$7,635,917$0$0$4,388,322
89$8,237,437$0$0$4,737,393
90$8,894,725$0$0$5,118,965
91$9,613,294$0$0$5,536,256
92$10,399,214$0$0$5,992,808
93$11,259,166$0$0$6,492,521
94$12,200,509$0$0$7,039,692
95$13,231,346$0$0$7,639,049
96$14,360,599$0$0$8,295,802
97$15,598,096$0$0$9,015,687
98$16,954,657$0$0$9,805,022
99$18,442,203$0$0$10,670,766
100$20,073,860$0$0$11,620,584