Can I retire at age 52 with 887,000?

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 $887,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.4%
1 years$73,248$72,595$71,959$71,337$70,731$69,161
2 years$36,261$35,586$34,931$34,297$33,681$32,108
3 years$23,934$23,256$22,603$21,974$21,369$19,841
4 years$17,772$17,095$16,449$15,831$15,240$13,770
5 years$14,075$13,403$12,765$12,160$11,585$10,177
6 years$11,612$10,945$10,316$9,724$9,167$7,821
7 years$9,853$9,191$8,573$7,995$7,455$6,173
8 years$8,534$7,879$7,270$6,707$6,185$4,965
9 years$7,509$6,860$6,262$5,713$5,209$4,050
10 years$6,689$6,047$5,459$4,924$4,438$3,340
11 years$6,019$5,383$4,806$4,286$3,817$2,778
12 years$5,461$4,831$4,265$3,759$3,308$2,327
13 years$4,990$4,366$3,811$3,319$2,884$1,959
14 years$4,585$3,969$3,424$2,946$2,528$1,657
15 years$4,236$3,625$3,092$2,627$2,226$1,407
16 years$3,930$3,326$2,803$2,352$1,967$1,198
17 years$3,660$3,063$2,551$2,114$1,745$1,023
18 years$3,421$2,831$2,328$1,905$1,551$875
19 years$3,207$2,623$2,131$1,721$1,383$750
20 years$3,015$2,438$1,956$1,559$1,235$644
21 years$2,841$2,271$1,799$1,415$1,105$553
22 years$2,683$2,120$1,658$1,286$991$476
23 years$2,539$1,983$1,531$1,172$889$410
24 years$2,408$1,857$1,416$1,068$799$354
25 years$2,287$1,743$1,312$976$719$305
26 years$2,175$1,638$1,216$892$648$263
27 years$2,072$1,542$1,130$817$584$228
28 years$1,977$1,453$1,050$748$527$197
29 years$1,888$1,371$977$686$476$170
30 years$1,806$1,294$910$630$430$147
31 years$1,728$1,224$849$578$389$127
32 years$1,656$1,158$792$532$352$110
33 years$1,588$1,096$739$489$318$95
34 years$1,525$1,039$691$450$288$82
35 years$1,465$986$646$414$261$71
36 years$1,409$936$604$381$236$62
37 years$1,356$889$565$351$214$53
38 years$1,305$844$529$324$194$46
39 years$1,258$803$496$299$176$40
40 years$1,213$764$465$275$160$35
41 years$1,170$727$436$254$145$30
42 years$1,129$693$409$234$132$26
43 years$1,091$660$384$216$119$23
44 years$1,054$629$360$200$108$20
45 years$1,019$600$338$185$98$17
46 years$985$572$318$170$89$15
47 years$954$546$298$158$81$13
48 years$923$521$280$146$74$11
49 years$894$498$264$135$67$10
50 years$866$476$248$124$61$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $887,000, adding $3,596 every year, while hoping to spend $56,058 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: 75/20/5 Blend
51$887,000$887,000$887,000$887,000
52$981,183$934,172$920,424$1,054,174
53$1,021,619$920,301$891,613$1,088,768
54$1,064,300$903,872$859,958$1,119,127
55$1,109,396$884,700$825,304$1,150,757
56$1,157,093$862,589$787,491$1,183,761
57$1,207,594$837,332$746,348$1,218,256
58$1,261,118$808,712$701,701$1,254,370
59$1,317,908$776,494$653,364$1,292,243
60$1,378,227$740,435$601,144$1,332,032
61$1,442,365$700,275$544,841$1,373,912
62$1,510,637$655,739$484,243$1,418,075
63$1,583,388$606,537$419,132$1,464,736
64$1,660,999$552,362$349,278$1,514,130
65$1,743,882$492,890$274,441$1,566,522
66$1,832,494$427,777$194,371$1,622,201
67$1,927,333$356,663$108,806$1,681,492
68$2,028,945$279,163$17,475$1,744,750
69$2,137,929$194,874$0$1,812,373
70$2,254,944$103,369$0$1,889,067
71$2,380,712$4,197$0$1,972,322
72$2,516,024$0$0$2,061,762
73$2,661,751$0$0$2,180,694
74$2,818,848$0$0$2,309,929
75$2,988,366$0$0$2,449,411
76$3,171,457$0$0$2,600,091
77$3,369,390$0$0$2,763,017
78$3,583,557$0$0$2,939,340
79$3,815,489$0$0$3,130,324
80$4,066,870$0$0$3,337,360
81$4,339,551$0$0$3,561,978
82$4,635,569$0$0$3,805,860
83$4,957,162$0$0$4,070,855
84$5,306,793$0$0$4,358,998
85$5,687,173$0$0$4,672,530
86$6,101,282$0$0$5,013,912
87$6,552,403$0$0$5,385,856
88$7,044,144$0$0$5,791,345
89$7,580,481$0$0$6,233,661
90$8,165,785$0$0$6,716,420
91$8,804,871$0$0$7,243,598
92$9,503,039$0$0$7,819,574
93$10,266,122$0$0$8,449,170
94$11,100,543$0$0$9,137,692
95$12,013,375$0$0$9,890,984
96$13,012,404$0$0$10,715,482
97$14,106,204$0$0$11,618,271
98$15,304,217$0$0$12,607,153
99$16,616,842$0$0$13,690,721
100$18,055,530$0$0$14,878,439