Can I retire at age 52 with 882,000?

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 $882,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$72,835$72,186$71,553$70,935$70,332$70,006
2 years$36,057$35,385$34,734$34,103$33,491$33,163
3 years$23,799$23,125$22,475$21,850$21,248$20,927
4 years$17,671$16,999$16,356$15,742$15,154$14,842
5 years$13,996$13,327$12,693$12,091$11,520$11,219
6 years$11,546$10,883$10,258$9,670$9,116$8,825
7 years$9,797$9,139$8,524$7,950$7,413$7,134
8 years$8,486$7,834$7,229$6,669$6,150$5,882
9 years$7,467$6,821$6,227$5,680$5,179$4,922
10 years$6,652$6,012$5,429$4,897$4,413$4,166
11 years$5,985$5,353$4,779$4,262$3,795$3,559
12 years$5,431$4,804$4,241$3,738$3,289$3,064
13 years$4,961$4,342$3,789$3,300$2,868$2,653
14 years$4,560$3,946$3,405$2,929$2,514$2,309
15 years$4,212$3,605$3,074$2,613$2,214$2,019
16 years$3,908$3,308$2,787$2,339$1,956$1,771
17 years$3,640$3,046$2,536$2,102$1,735$1,558
18 years$3,402$2,815$2,315$1,894$1,542$1,375
19 years$3,189$2,609$2,119$1,711$1,375$1,216
20 years$2,998$2,424$1,945$1,550$1,228$1,078
21 years$2,825$2,258$1,789$1,407$1,099$957
22 years$2,668$2,108$1,649$1,279$985$851
23 years$2,525$1,971$1,523$1,165$884$758
24 years$2,394$1,847$1,408$1,062$795$675
25 years$2,274$1,733$1,304$970$715$603
26 years$2,163$1,629$1,210$887$644$538
27 years$2,061$1,533$1,123$812$581$481
28 years$1,966$1,445$1,044$744$524$430
29 years$1,878$1,363$972$682$473$385
30 years$1,795$1,287$905$626$428$345
31 years$1,719$1,217$844$575$387$309
32 years$1,647$1,151$787$529$350$277
33 years$1,580$1,090$735$486$316$249
34 years$1,516$1,033$687$447$287$223
35 years$1,457$980$642$412$260$200
36 years$1,401$930$601$379$235$180
37 years$1,348$884$562$349$213$161
38 years$1,298$840$526$322$193$145
39 years$1,251$798$493$297$175$130
40 years$1,206$760$462$274$159$117
41 years$1,163$723$434$253$144$105
42 years$1,123$689$407$233$131$95
43 years$1,085$656$382$215$119$85
44 years$1,048$625$358$199$108$76
45 years$1,013$596$336$184$98$69
46 years$980$569$316$170$89$62
47 years$948$543$297$157$81$56
48 years$918$518$279$145$73$50
49 years$889$495$262$134$67$45
50 years$861$473$246$124$60$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $882,000, adding $3,531 every year, while hoping to spend $48,817 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: 49/46/5 Blend
51$882,000$882,000$882,000$882,000
52$975,606$928,860$915,189$1,022,042
53$1,023,177$922,433$893,907$1,047,653
54$1,073,964$914,056$870,276$1,069,934
55$1,128,244$903,580$844,166$1,092,965
56$1,186,319$890,850$815,439$1,116,826
57$1,248,522$875,700$783,955$1,141,611
58$1,315,218$857,956$749,565$1,167,423
59$1,386,806$837,431$712,111$1,194,382
60$1,463,726$813,931$671,432$1,222,621
61$1,546,458$787,246$627,357$1,252,292
62$1,635,532$757,156$579,709$1,283,564
63$1,731,529$723,429$528,302$1,316,630
64$1,835,087$685,819$472,941$1,351,705
65$1,946,906$644,064$413,425$1,389,032
66$2,067,756$597,889$349,541$1,428,883
67$2,198,485$547,004$281,068$1,471,562
68$2,340,022$491,099$207,776$1,517,413
69$2,493,391$429,849$129,423$1,566,819
70$2,659,716$362,911$45,758$1,620,206
71$2,840,235$289,921$0$1,678,056
72$3,036,306$210,495$0$1,743,225
73$3,249,428$124,228$0$1,816,746
74$3,481,246$30,691$0$1,896,856
75$3,733,571$0$0$1,984,316
76$4,008,396$0$0$2,115,692
77$4,307,914$0$0$2,275,890
78$4,634,539$0$0$2,450,677
79$4,990,928$0$0$2,641,485
80$5,380,003$0$0$2,849,892
81$5,804,984$0$0$3,077,634
82$6,269,414$0$0$3,326,624
83$6,777,194$0$0$3,598,964
84$7,332,619$0$0$3,896,974
85$7,940,418$0$0$4,223,205
86$8,605,799$0$0$4,580,467
87$9,334,495$0$0$4,971,854
88$10,132,822$0$0$5,400,774
89$11,007,734$0$0$5,870,980
90$11,966,890$0$0$6,386,606
91$13,018,725$0$0$6,952,205
92$14,172,530$0$0$7,572,791
93$15,438,540$0$0$8,253,888
94$16,828,025$0$0$9,001,580
95$18,353,403$0$0$9,822,569
96$20,028,350$0$0$10,724,238
97$21,867,933$0$0$11,714,720
98$23,888,749$0$0$12,802,975
99$26,109,083$0$0$13,998,872
100$28,549,077$0$0$15,313,285