Can I retire at age 52 with 886,000?

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 $886,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.8%
1 years$73,165$72,513$71,877$71,257$70,651$68,692
2 years$36,220$35,546$34,892$34,258$33,643$31,685
3 years$23,907$23,230$22,577$21,950$21,345$19,447
4 years$17,752$17,076$16,431$15,813$15,223$13,402
5 years$14,059$13,388$12,751$12,146$11,572$9,832
6 years$11,599$10,932$10,305$9,713$9,157$7,499
7 years$9,842$9,181$8,563$7,986$7,447$5,871
8 years$8,524$7,870$7,262$6,699$6,178$4,684
9 years$7,501$6,852$6,255$5,706$5,203$3,789
10 years$6,682$6,040$5,453$4,919$4,433$3,098
11 years$6,013$5,377$4,801$4,281$3,813$2,554
12 years$5,455$4,826$4,261$3,755$3,304$2,119
13 years$4,984$4,361$3,807$3,315$2,881$1,767
14 years$4,580$3,964$3,420$2,943$2,526$1,481
15 years$4,231$3,621$3,088$2,624$2,224$1,245
16 years$3,925$3,323$2,800$2,350$1,965$1,049
17 years$3,656$3,060$2,548$2,111$1,743$887
18 years$3,417$2,828$2,326$1,903$1,549$751
19 years$3,203$2,621$2,129$1,719$1,381$637
20 years$3,011$2,435$1,954$1,557$1,234$541
21 years$2,838$2,268$1,797$1,413$1,104$460
22 years$2,680$2,117$1,656$1,285$989$392
23 years$2,536$1,980$1,529$1,170$888$334
24 years$2,405$1,855$1,414$1,067$798$285
25 years$2,284$1,741$1,310$975$718$243
26 years$2,173$1,636$1,215$891$647$207
27 years$2,070$1,540$1,128$816$583$177
28 years$1,975$1,451$1,049$747$526$151
29 years$1,886$1,369$976$685$475$129
30 years$1,804$1,293$909$629$430$110
31 years$1,726$1,222$848$578$388$94
32 years$1,654$1,156$791$531$351$81
33 years$1,587$1,095$738$488$318$69
34 years$1,523$1,038$690$449$288$59
35 years$1,463$985$645$414$261$51
36 years$1,407$934$603$381$236$43
37 years$1,354$888$565$351$214$37
38 years$1,304$843$529$323$194$32
39 years$1,256$802$496$298$176$27
40 years$1,211$763$464$275$160$23
41 years$1,169$726$435$254$145$20
42 years$1,128$692$409$234$131$17
43 years$1,089$659$383$216$119$15
44 years$1,053$628$360$200$108$12
45 years$1,018$599$338$184$98$11
46 years$984$572$317$170$89$9
47 years$952$545$298$157$81$8
48 years$922$521$280$145$74$7
49 years$893$497$263$134$67$6
50 years$865$475$248$124$61$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $886,000, adding $3,758 every year, while hoping to spend $51,296 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: 44/27/29 Blend
51$886,000$886,000$886,000$886,000
52$980,248$933,290$919,557$1,014,981
53$1,025,655$924,443$895,784$1,031,331
54$1,073,974$913,443$869,495$1,043,882
55$1,125,448$900,131$840,552$1,056,516
56$1,180,344$884,337$808,810$1,069,271
57$1,238,952$865,882$774,118$1,082,192
58$1,301,591$844,576$736,317$1,095,333
59$1,368,612$820,220$695,243$1,108,757
60$1,440,399$792,598$650,721$1,122,538
61$1,517,371$761,488$602,572$1,136,763
62$1,599,992$726,649$550,607$1,151,532
63$1,688,767$687,831$494,628$1,166,959
64$1,784,252$644,766$434,430$1,183,177
65$1,887,059$597,172$369,796$1,200,339
66$1,997,858$544,753$300,503$1,218,617
67$2,117,385$487,191$226,316$1,238,210
68$2,246,451$424,156$146,990$1,259,342
69$2,385,943$355,294$62,268$1,282,269
70$2,536,839$280,233$0$1,307,278
71$2,700,215$198,582$0$1,343,406
72$2,877,250$109,926$0$1,403,440
73$3,069,243$13,826$0$1,468,597
74$3,277,623$0$0$1,539,437
75$3,503,960$0$0$1,643,377
76$3,749,982$0$0$1,760,916
77$4,017,590$0$0$1,888,867
78$4,308,875$0$0$2,028,241
79$4,626,137$0$0$2,180,152
80$4,971,910$0$0$2,345,827
81$5,348,980$0$0$2,526,614
82$5,760,414$0$0$2,724,000
83$6,209,588$0$0$2,939,619
84$6,700,219$0$0$3,175,270
85$7,236,397$0$0$3,432,936
86$7,822,627$0$0$3,714,798
87$8,463,869$0$0$4,023,259
88$9,165,582$0$0$4,360,963
89$9,933,780$0$0$4,730,825
90$10,775,083$0$0$5,136,051
91$11,696,782$0$0$5,580,175
92$12,706,909$0$0$6,067,087
93$13,814,305$0$0$6,601,073
94$15,028,711$0$0$7,186,852
95$16,360,856$0$0$7,829,624
96$17,822,554$0$0$8,535,114
97$19,426,821$0$0$9,309,631
98$21,187,995$0$0$10,160,122
99$23,121,866$0$0$11,094,242
100$25,245,833$0$0$12,120,422