Can I retire at age 52 with 874,000?

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 $874,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$72,174$71,531$70,904$70,292$69,694$68,738
2 years$35,730$35,064$34,419$33,794$33,188$32,226
3 years$23,583$22,915$22,272$21,652$21,056$20,118
4 years$17,511$16,845$16,208$15,599$15,017$14,111
5 years$13,869$13,207$12,578$11,982$11,416$10,544
6 years$11,441$10,784$10,165$9,582$9,033$8,197
7 years$9,708$9,057$8,447$7,878$7,346$6,546
8 years$8,409$7,763$7,164$6,608$6,094$5,329
9 years$7,399$6,759$6,170$5,629$5,132$4,402
10 years$6,591$5,958$5,379$4,852$4,373$3,678
11 years$5,931$5,304$4,736$4,223$3,761$3,100
12 years$5,381$4,761$4,203$3,704$3,259$2,631
13 years$4,916$4,302$3,755$3,270$2,842$2,246
14 years$4,518$3,911$3,374$2,903$2,491$1,927
15 years$4,174$3,572$3,046$2,589$2,194$1,660
16 years$3,872$3,278$2,762$2,318$1,939$1,434
17 years$3,607$3,019$2,513$2,083$1,719$1,243
18 years$3,371$2,789$2,294$1,877$1,528$1,080
19 years$3,160$2,585$2,100$1,696$1,362$940
20 years$2,970$2,402$1,927$1,536$1,217$820
21 years$2,799$2,238$1,773$1,394$1,089$716
22 years$2,644$2,089$1,634$1,268$976$626
23 years$2,502$1,953$1,509$1,154$876$548
24 years$2,372$1,830$1,395$1,053$788$481
25 years$2,253$1,718$1,292$962$709$422
26 years$2,144$1,614$1,199$879$638$370
27 years$2,042$1,519$1,113$805$576$325
28 years$1,948$1,432$1,035$737$519$286
29 years$1,861$1,351$963$676$469$251
30 years$1,779$1,275$897$620$424$221
31 years$1,703$1,206$836$570$383$195
32 years$1,632$1,141$780$524$346$171
33 years$1,565$1,080$728$482$314$151
34 years$1,503$1,024$681$443$284$133
35 years$1,444$971$636$408$257$117
36 years$1,388$922$595$376$233$103
37 years$1,336$876$557$346$211$91
38 years$1,286$832$522$319$191$80
39 years$1,239$791$489$294$174$71
40 years$1,195$753$458$271$157$62
41 years$1,153$717$430$250$143$55
42 years$1,113$682$403$231$130$48
43 years$1,075$650$378$213$118$43
44 years$1,038$620$355$197$107$38
45 years$1,004$591$333$182$97$33
46 years$971$564$313$168$88$29
47 years$940$538$294$155$80$26
48 years$910$514$276$143$73$23
49 years$881$490$260$133$66$20
50 years$853$469$244$123$60$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $874,000, adding $5,481 every year, while hoping to spend $34,901 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: 54/19/27 Blend
51$874,000$874,000$874,000$874,000
52$968,802$922,480$908,933$1,013,592
53$1,030,485$930,547$902,248$1,053,183
54$1,097,290$937,839$894,169$1,092,222
55$1,169,703$944,283$884,613$1,134,020
56$1,248,258$949,797$873,492$1,178,854
57$1,333,541$954,298$860,715$1,227,030
58$1,426,199$957,696$846,185$1,278,889
59$1,526,942$959,894$829,803$1,334,806
60$1,636,552$960,790$811,463$1,395,197
61$1,755,888$960,277$791,056$1,460,522
62$1,885,898$958,240$768,466$1,531,289
63$2,027,623$954,557$743,572$1,608,059
64$2,182,208$949,098$716,250$1,691,455
65$2,350,916$941,726$686,367$1,782,162
66$2,535,135$932,296$653,785$1,880,941
67$2,736,393$920,654$618,362$1,988,629
68$2,956,374$906,635$579,946$2,106,154
69$3,196,931$890,066$538,381$2,234,540
70$3,460,103$870,764$493,501$2,374,919
71$3,748,137$848,535$445,137$2,528,542
72$4,063,506$823,173$393,108$2,696,788
73$4,408,934$794,458$337,228$2,881,184
74$4,787,421$762,162$277,300$3,083,414
75$5,202,269$726,040$213,122$3,305,339
76$5,657,118$685,834$144,479$3,549,013
77$6,155,975$641,270$71,149$3,816,703
78$6,703,252$592,060$0$4,110,915
79$7,303,812$537,899$0$4,436,460
80$7,963,009$478,464$0$4,816,351
81$8,686,742$413,415$0$5,233,509
82$9,481,508$342,391$0$5,691,729
83$10,354,465$265,011$0$6,195,194
84$11,313,497$180,873$0$6,748,516
85$12,367,291$89,553$0$7,356,778
86$13,525,416$0$0$8,025,585
87$14,798,416$0$0$8,763,079
88$16,197,903$0$0$9,594,527
89$17,736,674$0$0$10,508,816
90$19,428,828$0$0$11,514,337
91$21,289,896$0$0$12,620,329
92$23,336,992$0$0$13,836,976
93$25,588,971$0$0$15,175,496
94$28,066,608$0$0$16,648,250
95$30,792,791$0$0$18,268,858
96$33,792,742$0$0$20,052,326
97$37,094,250$0$0$22,015,190
98$40,727,932$0$0$24,175,668
99$44,727,527$0$0$26,553,834
100$49,130,209$0$0$29,171,810