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%14.1%
1 years$73,165$72,513$71,877$71,257$70,651$69,452
2 years$36,220$35,546$34,892$34,258$33,643$32,439
3 years$23,907$23,230$22,577$21,950$21,345$20,173
4 years$17,752$17,076$16,431$15,813$15,223$14,092
5 years$14,059$13,388$12,751$12,146$11,572$10,486
6 years$11,599$10,932$10,305$9,713$9,157$8,116
7 years$9,842$9,181$8,563$7,986$7,447$6,452
8 years$8,524$7,870$7,262$6,699$6,178$5,229
9 years$7,501$6,852$6,255$5,706$5,203$4,299
10 years$6,682$6,040$5,453$4,919$4,433$3,574
11 years$6,013$5,377$4,801$4,281$3,813$2,997
12 years$5,455$4,826$4,261$3,755$3,304$2,531
13 years$4,984$4,361$3,807$3,315$2,881$2,150
14 years$4,580$3,964$3,420$2,943$2,526$1,834
15 years$4,231$3,621$3,088$2,624$2,224$1,571
16 years$3,925$3,323$2,800$2,350$1,965$1,350
17 years$3,656$3,060$2,548$2,111$1,743$1,164
18 years$3,417$2,828$2,326$1,903$1,549$1,005
19 years$3,203$2,621$2,129$1,719$1,381$870
20 years$3,011$2,435$1,954$1,557$1,234$754
21 years$2,838$2,268$1,797$1,413$1,104$655
22 years$2,680$2,117$1,656$1,285$989$569
23 years$2,536$1,980$1,529$1,170$888$495
24 years$2,405$1,855$1,414$1,067$798$431
25 years$2,284$1,741$1,310$975$718$376
26 years$2,173$1,636$1,215$891$647$328
27 years$2,070$1,540$1,128$816$583$286
28 years$1,975$1,451$1,049$747$526$250
29 years$1,886$1,369$976$685$475$218
30 years$1,804$1,293$909$629$430$191
31 years$1,726$1,222$848$578$388$167
32 years$1,654$1,156$791$531$351$146
33 years$1,587$1,095$738$488$318$128
34 years$1,523$1,038$690$449$288$112
35 years$1,463$985$645$414$261$98
36 years$1,407$934$603$381$236$86
37 years$1,354$888$565$351$214$75
38 years$1,304$843$529$323$194$66
39 years$1,256$802$496$298$176$57
40 years$1,211$763$464$275$160$50
41 years$1,169$726$435$254$145$44
42 years$1,128$692$409$234$131$39
43 years$1,089$659$383$216$119$34
44 years$1,053$628$360$200$108$30
45 years$1,018$599$338$184$98$26
46 years$984$572$317$170$89$23
47 years$952$545$298$157$81$20
48 years$922$521$280$145$74$17
49 years$893$497$263$134$67$15
50 years$865$475$248$124$61$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $886,000, adding $2,431 every year, while hoping to spend $33,561 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: 71/19/10 Blend
51$886,000$886,000$886,000$886,000
52$978,880$931,922$918,189$1,046,318
53$1,043,017$941,877$913,239$1,101,224
54$1,112,571$951,196$906,999$1,156,953
55$1,188,059$959,810$899,390$1,217,046
56$1,270,051$967,651$890,329$1,281,926
57$1,359,171$974,641$879,730$1,352,058
58$1,456,108$980,699$867,503$1,427,955
59$1,561,619$985,742$853,552$1,510,184
60$1,676,538$989,676$837,779$1,599,368
61$1,801,780$992,406$820,081$1,696,194
62$1,938,356$993,828$800,347$1,801,420
63$2,087,375$993,833$778,466$1,915,882
64$2,250,061$992,304$754,318$2,040,501
65$2,427,758$989,118$727,779$2,176,291
66$2,621,948$984,144$698,718$2,324,374
67$2,834,263$977,243$667,001$2,485,983
68$3,066,497$968,267$632,485$2,662,479
69$3,320,628$957,060$595,022$2,855,363
70$3,598,833$943,457$554,456$3,066,289
71$3,903,509$927,281$510,625$3,297,082
72$4,237,296$908,347$463,360$3,549,753
73$4,603,102$886,458$412,484$3,826,518
74$5,004,128$861,404$357,812$4,129,823
75$5,443,902$832,966$299,152$4,462,364
76$5,926,307$800,908$236,300$4,827,112
77$6,455,622$764,984$169,048$5,227,343
78$7,036,559$724,932$97,175$5,666,671
79$7,674,309$680,476$20,452$6,149,077
80$8,374,591$631,321$0$6,678,954
81$9,143,703$577,159$0$7,267,695
82$9,988,584$517,663$0$7,916,839
83$10,916,877$452,486$0$8,630,114
84$11,937,004$381,264$0$9,414,034
85$13,058,243$303,610$0$10,275,783
86$14,290,813$219,116$0$11,223,274
87$15,645,975$127,352$0$12,265,234
88$17,136,135$27,863$0$13,411,276
89$18,774,961$0$0$14,672,001
90$20,577,511$0$0$16,075,780
91$22,560,378$0$0$17,626,443
92$24,741,843$0$0$19,332,469
93$27,142,046$0$0$21,209,616
94$29,783,181$0$0$23,275,247
95$32,689,700$0$0$25,548,492
96$35,888,546$0$0$28,050,433
97$39,409,406$0$0$30,804,296
98$43,284,990$0$0$33,835,673
99$47,551,343$0$0$37,172,764
100$52,248,180$0$0$40,846,644