Can I retire at age 52 with 879,000?

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 $879,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$72,587$71,940$71,310$70,694$70,093$67,876
2 years$35,934$35,265$34,616$33,987$33,377$31,164
3 years$23,718$23,046$22,399$21,776$21,176$19,036
4 years$17,611$16,941$16,301$15,688$15,103$13,052
5 years$13,948$13,282$12,650$12,050$11,481$9,525
6 years$11,507$10,846$10,223$9,637$9,085$7,225
7 years$9,764$9,108$8,495$7,923$7,388$5,625
8 years$8,457$7,808$7,205$6,646$6,129$4,461
9 years$7,441$6,798$6,206$5,661$5,162$3,587
10 years$6,629$5,992$5,410$4,880$4,398$2,914
11 years$5,965$5,334$4,763$4,247$3,782$2,387
12 years$5,412$4,788$4,227$3,725$3,278$1,968
13 years$4,945$4,327$3,777$3,289$2,858$1,630
14 years$4,544$3,933$3,393$2,919$2,506$1,356
15 years$4,197$3,593$3,064$2,604$2,206$1,132
16 years$3,894$3,296$2,778$2,331$1,950$948
17 years$3,627$3,036$2,528$2,095$1,729$795
18 years$3,390$2,805$2,307$1,888$1,537$668
19 years$3,178$2,600$2,112$1,706$1,370$563
20 years$2,987$2,416$1,939$1,545$1,224$474
21 years$2,815$2,250$1,783$1,402$1,095$400
22 years$2,659$2,101$1,643$1,275$982$338
23 years$2,516$1,965$1,517$1,161$881$286
24 years$2,386$1,841$1,403$1,059$792$242
25 years$2,266$1,727$1,300$967$713$205
26 years$2,156$1,624$1,205$884$642$173
27 years$2,054$1,528$1,119$809$579$147
28 years$1,959$1,440$1,041$742$522$124
29 years$1,871$1,358$968$680$472$105
30 years$1,789$1,283$902$624$426$89
31 years$1,713$1,213$841$573$385$76
32 years$1,641$1,147$785$527$348$64
33 years$1,574$1,087$733$484$315$54
34 years$1,511$1,030$684$446$286$46
35 years$1,452$977$640$410$259$39
36 years$1,396$927$599$378$234$33
37 years$1,343$881$560$348$212$28
38 years$1,294$837$525$321$193$24
39 years$1,246$796$492$296$175$20
40 years$1,202$757$461$273$158$17
41 years$1,159$721$432$252$144$15
42 years$1,119$686$405$232$130$12
43 years$1,081$654$380$214$118$11
44 years$1,044$623$357$198$107$9
45 years$1,010$594$335$183$97$8
46 years$977$567$315$169$89$6
47 years$945$541$296$156$80$5
48 years$915$517$278$144$73$5
49 years$886$493$261$133$66$4
50 years$858$471$246$123$60$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $879,000, adding $5,810 every year, while hoping to spend $44,283 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: 75/13/12 Blend
51$879,000$879,000$879,000$879,000
52$974,651$928,064$914,440$1,044,997
53$1,026,949$926,422$897,956$1,090,568
54$1,083,096$923,216$879,437$1,134,369
55$1,143,440$918,322$858,766$1,181,145
56$1,208,360$911,609$835,824$1,231,178
57$1,278,273$902,937$810,484$1,284,777
58$1,353,637$892,161$782,615$1,342,286
59$1,434,955$879,124$752,080$1,404,080
60$1,522,779$863,660$718,733$1,470,578
61$1,617,717$845,594$682,426$1,542,238
62$1,720,437$824,741$643,000$1,619,568
63$1,831,673$800,904$600,291$1,703,128
64$1,952,230$773,876$554,128$1,793,533
65$2,082,997$743,435$504,330$1,891,466
66$2,224,949$709,349$450,711$1,997,678
67$2,379,158$671,372$393,075$2,112,999
68$2,546,806$629,243$331,217$2,238,342
69$2,729,191$582,686$264,923$2,374,717
70$2,927,741$531,410$193,970$2,523,238
71$3,144,028$475,107$118,126$2,685,134
72$3,379,783$413,452$37,148$2,861,760
73$3,636,910$346,099$0$3,054,612
74$3,917,503$272,687$0$3,271,647
75$4,223,871$192,831$0$3,513,865
76$4,558,552$106,126$0$3,778,545
77$4,924,341$12,143$0$4,067,941
78$5,324,317$0$0$4,384,534
79$5,761,867$0$0$4,743,874
80$6,240,723$0$0$5,139,072
81$6,764,994$0$0$5,571,787
82$7,339,204$0$0$6,045,757
83$7,968,334$0$0$6,565,100
84$8,657,873$0$0$7,134,351
85$9,413,862$0$0$7,758,503
86$10,242,959$0$0$8,443,057
87$11,152,493$0$0$9,194,070
88$12,150,540$0$0$10,018,217
89$13,245,993$0$0$10,922,846
90$14,448,649$0$0$11,916,055
91$15,769,300$0$0$13,006,761
92$17,219,834$0$0$14,204,792
93$18,813,349$0$0$15,520,968
94$20,564,270$0$0$16,967,214
95$22,488,491$0$0$18,556,665
96$24,603,524$0$0$20,303,792
97$26,928,657$0$0$22,224,537
98$29,485,145$0$0$24,336,467
99$32,296,402$0$0$26,658,931
100$35,388,226$0$0$29,213,251