Can I retire at age 52 with 895,000?

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 $895,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$73,908$73,250$72,608$71,981$71,369$68,864
2 years$36,588$35,907$35,246$34,606$33,985$31,488
3 years$24,150$23,466$22,807$22,172$21,561$19,150
4 years$17,932$17,250$16,597$15,974$15,378$13,071
5 years$14,202$13,524$12,880$12,270$11,690$9,494
6 years$11,716$11,043$10,409$9,812$9,250$7,166
7 years$9,942$9,274$8,650$8,067$7,523$5,550
8 years$8,611$7,950$7,336$6,767$6,241$4,379
9 years$7,577$6,922$6,318$5,764$5,256$3,501
10 years$6,750$6,101$5,509$4,969$4,478$2,829
11 years$6,074$5,431$4,850$4,324$3,851$2,303
12 years$5,511$4,875$4,304$3,793$3,337$1,887
13 years$5,035$4,406$3,845$3,349$2,910$1,554
14 years$4,627$4,004$3,455$2,973$2,551$1,285
15 years$4,274$3,658$3,119$2,651$2,246$1,066
16 years$3,965$3,356$2,828$2,374$1,985$886
17 years$3,693$3,091$2,574$2,133$1,760$739
18 years$3,452$2,856$2,349$1,922$1,565$617
19 years$3,236$2,647$2,151$1,737$1,395$516
20 years$3,042$2,460$1,974$1,573$1,246$432
21 years$2,867$2,291$1,816$1,428$1,115$362
22 years$2,707$2,139$1,673$1,298$1,000$303
23 years$2,562$2,000$1,545$1,182$897$255
24 years$2,429$1,874$1,429$1,078$806$214
25 years$2,307$1,759$1,323$985$726$180
26 years$2,195$1,653$1,227$900$654$151
27 years$2,091$1,556$1,140$824$589$127
28 years$1,995$1,466$1,060$755$532$107
29 years$1,905$1,383$986$692$480$90
30 years$1,822$1,306$918$635$434$76
31 years$1,744$1,235$856$584$392$64
32 years$1,671$1,168$799$536$355$54
33 years$1,603$1,106$746$493$321$45
34 years$1,539$1,049$697$454$291$38
35 years$1,478$995$652$418$263$32
36 years$1,421$944$610$385$239$27
37 years$1,368$897$571$354$216$23
38 years$1,317$852$534$327$196$19
39 years$1,269$810$501$301$178$16
40 years$1,224$771$469$278$161$14
41 years$1,180$734$440$256$146$11
42 years$1,139$699$413$237$133$10
43 years$1,100$666$387$218$120$8
44 years$1,063$635$363$202$109$7
45 years$1,028$605$341$186$99$6
46 years$994$577$321$172$90$5
47 years$962$551$301$159$82$4
48 years$931$526$283$147$74$3
49 years$902$502$266$136$68$3
50 years$874$480$250$125$61$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $895,000, adding $3,194 every year, while hoping to spend $21,006 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: 43/35/22 Blend
51$895,000$895,000$895,000$895,000
52$989,585$942,150$928,277$1,025,672
53$1,068,172$965,965$937,024$1,075,397
54$1,154,071$990,243$945,360$1,126,959
55$1,248,006$1,014,984$953,249$1,182,398
56$1,350,773$1,040,189$960,654$1,242,084
57$1,463,250$1,065,856$967,533$1,306,423
58$1,586,402$1,091,984$973,846$1,375,862
59$1,721,294$1,118,569$979,549$1,450,896
60$1,869,096$1,145,610$984,594$1,532,067
61$2,031,100$1,173,101$988,934$1,619,974
62$2,208,726$1,201,036$992,517$1,715,276
63$2,403,539$1,229,410$995,289$1,818,702
64$2,617,262$1,258,214$997,194$1,931,051
65$2,851,796$1,287,439$998,173$2,053,207
66$3,109,230$1,317,074$998,163$2,186,143
67$3,391,869$1,347,108$997,099$2,330,931
68$3,702,250$1,377,527$994,912$2,488,754
69$4,043,169$1,408,316$991,531$2,660,914
70$4,417,706$1,439,456$986,881$2,848,847
71$4,829,252$1,470,930$980,882$3,054,135
72$5,281,546$1,502,716$973,451$3,278,524
73$5,778,704$1,534,790$964,503$3,523,936
74$6,325,264$1,567,126$953,945$3,792,490
75$6,926,222$1,599,697$941,684$4,086,523
76$7,587,085$1,632,470$927,619$4,408,609
77$8,313,920$1,665,413$911,646$4,761,589
78$9,113,409$1,698,488$893,655$5,148,589
79$9,992,918$1,731,655$873,534$5,573,060
80$10,960,560$1,764,870$851,162$6,038,803
81$12,025,275$1,798,087$826,413$6,550,008
82$13,196,913$1,831,253$799,158$7,111,295
83$14,486,327$1,864,314$769,259$7,727,755
84$15,905,477$1,897,209$736,573$8,405,001
85$17,467,538$1,929,875$700,951$9,149,220
86$19,187,030$1,962,242$662,236$9,967,229
87$21,079,952$1,994,236$620,266$10,866,547
88$23,163,930$2,025,777$574,868$11,855,457
89$25,458,390$2,056,779$525,865$12,943,093
90$27,984,734$2,087,150$473,070$14,139,520
91$30,766,548$2,116,791$416,288$15,455,834
92$33,829,818$2,145,596$355,316$16,904,264
93$37,203,182$2,173,453$289,942$18,498,292
94$40,918,196$2,200,241$219,944$20,252,774
95$45,009,629$2,225,831$145,090$22,184,088
96$49,515,799$2,250,084$65,138$24,310,285
97$54,478,927$2,272,854$0$26,651,260
98$59,945,538$2,293,985$0$29,233,682
99$65,966,900$2,313,308$0$32,093,607
100$72,599,510$2,330,646$0$35,242,435