Can I retire at age 52 with 873,000?

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 $873,000?

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$72,092$71,449$70,823$70,211$69,614$68,433
2 years$35,689$35,024$34,380$33,755$33,150$31,963
3 years$23,556$22,889$22,246$21,627$21,031$19,877
4 years$17,491$16,826$16,190$15,581$15,000$13,886
5 years$13,853$13,191$12,564$11,968$11,403$10,332
6 years$11,428$10,772$10,153$9,571$9,023$7,997
7 years$9,697$9,046$8,437$7,869$7,338$6,358
8 years$8,399$7,754$7,156$6,601$6,087$5,153
9 years$7,390$6,751$6,163$5,623$5,126$4,236
10 years$6,584$5,951$5,373$4,847$4,368$3,522
11 years$5,924$5,298$4,730$4,218$3,757$2,953
12 years$5,375$4,755$4,198$3,700$3,255$2,494
13 years$4,911$4,297$3,751$3,266$2,839$2,118
14 years$4,513$3,906$3,370$2,900$2,488$1,807
15 years$4,169$3,568$3,043$2,586$2,191$1,548
16 years$3,868$3,274$2,759$2,315$1,936$1,330
17 years$3,602$3,015$2,510$2,080$1,717$1,147
18 years$3,367$2,786$2,292$1,875$1,527$990
19 years$3,156$2,582$2,098$1,694$1,361$857
20 years$2,967$2,399$1,925$1,534$1,215$743
21 years$2,796$2,235$1,771$1,392$1,088$645
22 years$2,641$2,086$1,632$1,266$975$561
23 years$2,499$1,951$1,507$1,153$875$488
24 years$2,370$1,828$1,394$1,052$787$425
25 years$2,251$1,716$1,291$960$708$370
26 years$2,141$1,612$1,197$878$638$323
27 years$2,040$1,517$1,112$804$575$282
28 years$1,946$1,430$1,033$736$519$246
29 years$1,858$1,349$962$675$468$215
30 years$1,777$1,274$896$620$423$188
31 years$1,701$1,204$835$569$383$164
32 years$1,630$1,140$779$523$346$144
33 years$1,563$1,079$728$481$313$126
34 years$1,501$1,023$680$443$284$110
35 years$1,442$970$636$407$257$96
36 years$1,387$921$595$375$233$84
37 years$1,334$875$556$346$211$74
38 years$1,285$831$521$319$191$65
39 years$1,238$790$488$294$173$57
40 years$1,194$752$458$271$157$50
41 years$1,151$716$429$250$143$43
42 years$1,111$682$403$231$129$38
43 years$1,073$649$378$213$118$33
44 years$1,037$619$355$197$107$29
45 years$1,003$590$333$182$97$26
46 years$970$563$313$168$88$22
47 years$938$537$294$155$80$20
48 years$908$513$276$143$73$17
49 years$880$490$259$132$66$15
50 years$852$468$244$122$60$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $873,000, adding $4,758 every year, while hoping to spend $28,946 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: 37/42/21 Blend
51$873,000$873,000$873,000$873,000
52$966,954$920,685$907,153$996,464
53$1,034,785$935,000$906,745$1,032,674
54$1,108,564$949,047$905,352$1,068,706
55$1,188,869$962,781$902,912$1,107,037
56$1,276,332$976,156$899,358$1,147,888
57$1,371,652$989,121$894,621$1,191,507
58$1,475,596$1,001,624$888,626$1,238,168
59$1,589,009$1,013,606$881,298$1,288,174
60$1,712,822$1,025,007$872,555$1,341,860
61$1,848,059$1,035,761$862,315$1,399,595
62$1,995,846$1,045,798$850,488$1,461,791
63$2,157,426$1,055,045$836,982$1,528,900
64$2,334,163$1,063,423$821,701$1,601,423
65$2,527,563$1,070,846$804,543$1,679,916
66$2,739,282$1,077,225$785,403$1,764,991
67$2,971,145$1,082,465$764,170$1,857,326
68$3,225,160$1,086,464$740,728$1,957,670
69$3,503,540$1,089,114$714,956$2,066,852
70$3,808,721$1,090,301$686,727$2,185,787
71$4,143,387$1,089,902$655,909$2,315,487
72$4,510,493$1,087,788$622,363$2,457,069
73$4,913,296$1,083,822$585,944$2,611,771
74$5,355,380$1,077,857$546,501$2,780,956
75$5,840,696$1,069,740$503,876$2,966,132
76$6,373,595$1,059,305$457,904$3,168,967
77$6,958,870$1,046,379$408,412$3,391,300
78$7,601,801$1,030,777$355,220$3,635,164
79$8,308,204$1,012,305$298,139$3,902,803
80$9,084,487$990,754$236,973$4,196,697
81$9,937,710$965,906$171,517$4,519,583
82$10,875,649$937,529$101,556$4,874,483
83$11,906,874$905,376$26,867$5,264,734
84$13,040,824$869,188$0$5,694,021
85$14,287,899$828,690$0$6,178,249
86$15,659,559$783,589$0$6,717,262
87$17,168,428$733,579$0$7,310,046
88$18,828,417$678,334$0$7,962,127
89$20,654,852$617,510$0$8,679,604
90$22,664,621$550,741$0$9,469,201
91$24,876,330$477,645$0$10,338,335
92$27,310,481$397,815$0$11,295,186
93$29,989,663$310,821$0$12,348,775
94$32,938,767$216,210$0$13,509,050
95$36,185,220$113,503$0$14,786,983
96$39,759,242$2,194$0$16,194,673
97$43,694,133$0$0$17,745,462
98$48,026,586$0$0$19,508,713
99$52,797,032$0$0$21,451,495
100$58,050,023$0$0$23,590,956