Can I retire at age 52 with 881,000?

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 $881,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$72,752$72,104$71,472$70,855$70,252$69,722
2 years$36,016$35,345$34,695$34,065$33,453$32,919
3 years$23,772$23,098$22,450$21,826$21,224$20,702
4 years$17,651$16,980$16,338$15,724$15,137$14,631
5 years$13,980$13,312$12,679$12,078$11,507$11,019
6 years$11,533$10,871$10,246$9,659$9,105$8,635
7 years$9,786$9,129$8,515$7,941$7,405$6,953
8 years$8,476$7,825$7,221$6,661$6,143$5,710
9 years$7,458$6,813$6,220$5,674$5,173$4,759
10 years$6,644$6,006$5,422$4,891$4,408$4,012
11 years$5,979$5,346$4,774$4,257$3,791$3,413
12 years$5,424$4,799$4,237$3,734$3,285$2,924
13 years$4,956$4,337$3,785$3,296$2,865$2,521
14 years$4,554$3,942$3,401$2,926$2,511$2,184
15 years$4,207$3,601$3,071$2,610$2,211$1,901
16 years$3,903$3,304$2,784$2,337$1,954$1,660
17 years$3,635$3,043$2,533$2,099$1,733$1,453
18 years$3,398$2,812$2,313$1,892$1,541$1,276
19 years$3,185$2,606$2,117$1,710$1,373$1,123
20 years$2,994$2,421$1,943$1,548$1,227$990
21 years$2,822$2,255$1,787$1,405$1,098$875
22 years$2,665$2,105$1,647$1,278$984$774
23 years$2,522$1,969$1,521$1,164$883$685
24 years$2,391$1,845$1,406$1,061$794$608
25 years$2,271$1,731$1,303$969$714$539
26 years$2,161$1,627$1,208$886$643$479
27 years$2,058$1,531$1,122$811$580$426
28 years$1,964$1,443$1,043$743$523$379
29 years$1,875$1,361$971$682$473$337
30 years$1,793$1,286$904$625$427$300
31 years$1,717$1,215$843$574$386$268
32 years$1,645$1,150$786$528$349$239
33 years$1,578$1,089$734$485$316$213
34 years$1,515$1,032$686$447$286$190
35 years$1,455$979$641$411$259$169
36 years$1,399$929$600$379$235$151
37 years$1,346$883$562$349$213$135
38 years$1,296$839$526$322$193$120
39 years$1,249$798$493$297$175$108
40 years$1,204$759$462$274$159$96
41 years$1,162$722$433$252$144$86
42 years$1,122$688$406$233$131$77
43 years$1,083$655$381$215$119$69
44 years$1,047$625$358$199$108$61
45 years$1,012$596$336$183$98$55
46 years$979$568$316$169$89$49
47 years$947$542$296$156$81$44
48 years$917$518$279$145$73$39
49 years$888$494$262$134$66$35
50 years$860$472$246$123$60$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $881,000, adding $3,029 every year, while hoping to spend $58,574 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: 47/47/6 Blend
51$881,000$881,000$881,000$881,000
52$973,986$927,293$913,638$1,018,077
53$1,011,011$910,409$881,923$1,031,738
54$1,049,848$890,733$847,181$1,040,142
55$1,090,623$868,069$809,252$1,047,882
56$1,133,467$842,205$767,962$1,054,913
57$1,178,527$812,919$723,135$1,061,190
58$1,225,960$779,976$674,584$1,066,667
59$1,275,939$743,126$622,114$1,071,299
60$1,328,652$702,106$565,522$1,075,040
61$1,384,302$656,636$504,594$1,077,846
62$1,443,112$606,423$439,109$1,079,672
63$1,505,326$551,154$368,836$1,080,478
64$1,571,209$490,500$293,531$1,080,222
65$1,641,050$424,113$212,942$1,078,869
66$1,715,167$351,624$126,806$1,076,385
67$1,793,905$272,645$34,845$1,072,740
68$1,877,645$186,766$0$1,067,910
69$1,966,800$93,552$0$1,065,931
70$2,061,824$0$0$1,065,385
71$2,163,214$0$0$1,067,911
72$2,271,516$0$0$1,122,351
73$2,387,325$0$0$1,180,628
74$2,511,297$0$0$1,243,078
75$2,644,148$0$0$1,310,072
76$2,786,666$0$0$1,382,015
77$2,939,715$0$0$1,459,354
78$3,104,242$0$0$1,542,577
79$3,281,288$0$0$1,632,221
80$3,471,996$0$0$1,728,877
81$3,677,621$0$0$1,833,192
82$3,899,541$0$0$1,945,878
83$4,139,271$0$0$2,067,718
84$4,398,476$0$0$2,199,571
85$4,678,985$0$0$2,342,382
86$4,982,810$0$0$2,497,192
87$5,312,163$0$0$2,665,144
88$5,669,473$0$0$2,847,493
89$6,057,417$0$0$3,045,622
90$6,478,935$0$0$3,261,053
91$6,937,264$0$0$3,495,458
92$7,435,962$0$0$3,750,679
93$7,978,948$0$0$4,028,741
94$8,570,530$0$0$4,331,873
95$9,215,452$0$0$4,662,528
96$9,918,934$0$0$5,023,408
97$10,686,721$0$0$5,417,485
98$11,525,139$0$0$5,848,031
99$12,441,149$0$0$6,318,648
100$13,442,416$0$0$6,833,303