Can I retire at age 52 with 889,000?

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 $889,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$73,413$72,759$72,121$71,498$70,890$68,051
2 years$36,343$35,666$35,010$34,374$33,757$30,932
3 years$23,988$23,308$22,654$22,024$21,417$18,695
4 years$17,812$17,134$16,486$15,867$15,275$12,677
5 years$14,107$13,433$12,794$12,187$11,612$9,145
6 years$11,638$10,969$10,339$9,746$9,188$6,853
7 years$9,875$9,212$8,592$8,013$7,472$5,269
8 years$8,553$7,896$7,287$6,722$6,199$4,125
9 years$7,526$6,875$6,276$5,726$5,220$3,272
10 years$6,705$6,060$5,472$4,935$4,448$2,621
11 years$6,033$5,395$4,817$4,295$3,825$2,117
12 years$5,474$4,842$4,275$3,768$3,315$1,719
13 years$5,001$4,376$3,820$3,326$2,891$1,403
14 years$4,596$3,978$3,432$2,953$2,534$1,150
15 years$4,245$3,634$3,099$2,633$2,231$945
16 years$3,939$3,334$2,809$2,358$1,972$778
17 years$3,668$3,070$2,556$2,118$1,748$642
18 years$3,429$2,837$2,334$1,909$1,555$531
19 years$3,214$2,629$2,136$1,725$1,386$440
20 years$3,021$2,443$1,961$1,562$1,238$365
21 years$2,847$2,276$1,803$1,418$1,108$302
22 years$2,689$2,124$1,662$1,289$993$251
23 years$2,545$1,987$1,535$1,174$891$209
24 years$2,413$1,862$1,419$1,071$801$173
25 years$2,292$1,747$1,315$978$721$144
26 years$2,180$1,642$1,219$894$649$120
27 years$2,077$1,545$1,132$819$585$100
28 years$1,981$1,456$1,052$750$528$83
29 years$1,892$1,374$979$688$477$69
30 years$1,810$1,297$912$631$431$58
31 years$1,732$1,226$850$580$390$48
32 years$1,660$1,160$793$533$352$40
33 years$1,592$1,099$741$490$319$33
34 years$1,528$1,042$692$451$289$28
35 years$1,468$988$647$415$262$23
36 years$1,412$938$605$382$237$19
37 years$1,359$891$567$352$215$16
38 years$1,308$846$531$325$195$13
39 years$1,261$805$497$299$177$11
40 years$1,215$766$466$276$160$9
41 years$1,173$729$437$255$145$8
42 years$1,132$694$410$235$132$6
43 years$1,093$661$385$217$120$5
44 years$1,056$630$361$200$109$4
45 years$1,021$601$339$185$99$4
46 years$988$573$318$171$90$3
47 years$956$547$299$158$81$3
48 years$925$522$281$146$74$2
49 years$896$499$264$135$67$2
50 years$868$477$248$125$61$1

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $889,000, adding $5,811 every year, while hoping to spend $38,913 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: 89/5/6 Blend
51$889,000$889,000$889,000$889,000
52$985,672$938,555$924,776$1,072,729
53$1,044,807$943,141$914,352$1,134,836
54$1,108,670$946,648$902,276$1,197,031
55$1,177,702$948,981$888,450$1,264,129
56$1,252,388$950,041$872,772$1,336,595
57$1,333,260$949,721$855,139$1,414,938
58$1,420,904$947,909$835,438$1,499,722
59$1,515,965$944,486$813,554$1,591,565
60$1,619,152$939,324$789,366$1,691,147
61$1,731,243$932,288$762,747$1,799,218
62$1,853,095$923,236$733,565$1,916,604
63$1,985,653$912,017$701,682$2,044,213
64$2,129,953$898,469$666,952$2,183,044
65$2,287,138$882,423$629,224$2,334,201
66$2,458,463$863,699$588,339$2,498,896
67$2,645,311$842,105$544,134$2,678,465
68$2,849,204$817,440$496,434$2,874,380
69$3,071,818$789,490$445,060$3,088,261
70$3,314,996$758,027$389,822$3,321,894
71$3,580,769$722,814$330,524$3,577,246
72$3,871,372$683,596$266,961$3,856,481
73$4,189,265$640,105$198,917$4,161,987
74$4,537,157$592,058$126,168$4,496,394
75$4,918,034$539,155$48,481$4,862,596
76$5,335,179$481,080$0$5,263,784
77$5,792,212$417,497$0$5,705,680
78$6,293,117$348,054$0$6,193,406
79$6,842,282$272,376$0$6,728,141
80$7,444,541$190,068$0$7,314,604
81$8,105,217$100,714$0$7,957,996
82$8,830,174$3,875$0$8,664,043
83$9,625,871$0$0$9,439,057
84$10,499,422$0$0$10,295,542
85$11,458,664$0$0$11,236,282
86$12,512,231$0$0$12,269,531
87$13,669,632$0$0$13,404,617
88$14,941,344$0$0$14,651,815
89$16,338,909$0$0$16,022,445
90$17,875,042$0$0$17,528,977
91$19,563,753$0$0$19,185,152
92$21,420,474$0$0$21,006,105
93$23,462,208$0$0$23,008,513
94$25,707,691$0$0$25,210,751
95$28,177,561$0$0$27,633,060
96$30,894,560$0$0$30,297,746
97$33,883,743$0$0$33,229,383
98$37,172,719$0$0$36,455,046
99$40,791,904$0$0$40,004,570
100$44,774,815$0$0$43,910,824