Can I retire at age 52 with 887,000?

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 $887,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.2%
1 years$73,248$72,595$71,959$71,337$70,731$68,937
2 years$36,261$35,586$34,931$34,297$33,681$31,886
3 years$23,934$23,256$22,603$21,974$21,369$19,628
4 years$17,772$17,095$16,449$15,831$15,240$13,567
5 years$14,075$13,403$12,765$12,160$11,585$9,984
6 years$11,612$10,945$10,316$9,724$9,167$7,640
7 years$9,853$9,191$8,573$7,995$7,455$6,003
8 years$8,534$7,879$7,270$6,707$6,185$4,806
9 years$7,509$6,860$6,262$5,713$5,209$3,902
10 years$6,689$6,047$5,459$4,924$4,438$3,202
11 years$6,019$5,383$4,806$4,286$3,817$2,649
12 years$5,461$4,831$4,265$3,759$3,308$2,207
13 years$4,990$4,366$3,811$3,319$2,884$1,848
14 years$4,585$3,969$3,424$2,946$2,528$1,555
15 years$4,236$3,625$3,092$2,627$2,226$1,313
16 years$3,930$3,326$2,803$2,352$1,967$1,111
17 years$3,660$3,063$2,551$2,114$1,745$943
18 years$3,421$2,831$2,328$1,905$1,551$802
19 years$3,207$2,623$2,131$1,721$1,383$684
20 years$3,015$2,438$1,956$1,559$1,235$583
21 years$2,841$2,271$1,799$1,415$1,105$498
22 years$2,683$2,120$1,658$1,286$991$426
23 years$2,539$1,983$1,531$1,172$889$365
24 years$2,408$1,857$1,416$1,068$799$313
25 years$2,287$1,743$1,312$976$719$268
26 years$2,175$1,638$1,216$892$648$230
27 years$2,072$1,542$1,130$817$584$197
28 years$1,977$1,453$1,050$748$527$169
29 years$1,888$1,371$977$686$476$145
30 years$1,806$1,294$910$630$430$125
31 years$1,728$1,224$849$578$389$107
32 years$1,656$1,158$792$532$352$92
33 years$1,588$1,096$739$489$318$79
34 years$1,525$1,039$691$450$288$68
35 years$1,465$986$646$414$261$59
36 years$1,409$936$604$381$236$50
37 years$1,356$889$565$351$214$43
38 years$1,305$844$529$324$194$37
39 years$1,258$803$496$299$176$32
40 years$1,213$764$465$275$160$28
41 years$1,170$727$436$254$145$24
42 years$1,129$693$409$234$132$20
43 years$1,091$660$384$216$119$18
44 years$1,054$629$360$200$108$15
45 years$1,019$600$338$185$98$13
46 years$985$572$318$170$89$11
47 years$954$546$298$158$81$10
48 years$923$521$280$146$74$8
49 years$894$498$264$135$67$7
50 years$866$476$248$124$61$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $887,000, adding $3,374 every year, while hoping to spend $25,928 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: 69/11/20 Blend
51$887,000$887,000$887,000$887,000
52$980,954$933,943$920,195$1,043,583
53$1,053,424$952,119$923,434$1,104,017
54$1,132,418$970,317$925,913$1,166,766
55$1,218,572$988,510$927,578$1,234,793
56$1,312,589$1,006,670$928,375$1,308,618
57$1,415,242$1,024,766$928,245$1,388,813
58$1,527,382$1,042,765$927,126$1,476,009
59$1,649,945$1,060,631$924,956$1,570,900
60$1,783,964$1,078,325$921,666$1,674,253
61$1,930,572$1,095,807$917,186$1,786,912
62$2,091,021$1,113,032$911,442$1,909,806
63$2,266,687$1,129,953$904,357$2,043,961
64$2,459,085$1,146,517$895,849$2,190,508
65$2,669,886$1,162,671$885,835$2,350,692
66$2,900,928$1,178,355$874,224$2,525,885
67$3,154,236$1,193,508$860,923$2,717,602
68$3,432,040$1,208,061$845,836$2,927,510
69$3,736,796$1,221,944$828,859$3,157,447
70$4,071,209$1,235,079$809,886$3,409,440
71$4,438,261$1,247,386$788,805$3,685,723
72$4,841,233$1,258,778$765,500$3,988,757
73$5,283,741$1,269,161$739,847$4,321,257
74$5,769,770$1,278,437$711,719$4,686,213
75$6,303,707$1,286,501$680,982$5,086,922
76$6,890,386$1,293,240$647,496$5,527,019
77$7,535,134$1,298,537$611,115$6,010,510
78$8,243,816$1,302,264$571,686$6,541,808
79$9,022,896$1,304,286$529,049$7,125,782
80$9,879,497$1,304,461$483,037$7,767,794
81$10,821,463$1,302,637$433,476$8,473,757
82$11,857,439$1,298,653$380,184$9,250,188
83$12,996,948$1,292,338$322,971$10,104,269
84$14,250,484$1,283,510$261,638$11,043,918
85$15,629,608$1,271,976$195,977$12,077,861
86$17,147,058$1,257,532$125,772$13,215,715
87$18,816,869$1,239,963$50,797$14,468,081
88$20,654,507$1,219,039$0$15,846,643
89$22,677,011$1,194,516$0$17,370,514
90$24,903,156$1,166,137$0$19,059,626
91$27,353,631$1,133,630$0$20,918,826
92$30,051,230$1,096,707$0$22,965,415
93$33,021,071$1,055,061$0$25,218,456
94$36,290,831$1,008,370$0$27,698,955
95$39,891,008$956,292$0$30,430,063
96$43,855,206$898,466$0$33,437,290
97$48,220,454$834,508$0$36,748,748
98$53,027,556$764,015$0$40,395,416
99$58,321,474$686,559$0$44,411,432
100$64,151,753$601,688$0$48,834,416