Can I retire at age 52 with 895,000?

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 $895,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.8%
1 years$73,908$73,250$72,608$71,981$71,369$69,956
2 years$36,588$35,907$35,246$34,606$33,985$32,568
3 years$24,150$23,466$22,807$22,172$21,561$20,184
4 years$17,932$17,250$16,597$15,974$15,378$14,051
5 years$14,202$13,524$12,880$12,270$11,690$10,417
6 years$11,716$11,043$10,409$9,812$9,250$8,032
7 years$9,942$9,274$8,650$8,067$7,523$6,360
8 years$8,611$7,950$7,336$6,767$6,241$5,134
9 years$7,577$6,922$6,318$5,764$5,256$4,203
10 years$6,750$6,101$5,509$4,969$4,478$3,479
11 years$6,074$5,431$4,850$4,324$3,851$2,905
12 years$5,511$4,875$4,304$3,793$3,337$2,442
13 years$5,035$4,406$3,845$3,349$2,910$2,064
14 years$4,627$4,004$3,455$2,973$2,551$1,753
15 years$4,274$3,658$3,119$2,651$2,246$1,495
16 years$3,965$3,356$2,828$2,374$1,985$1,278
17 years$3,693$3,091$2,574$2,133$1,760$1,096
18 years$3,452$2,856$2,349$1,922$1,565$942
19 years$3,236$2,647$2,151$1,737$1,395$811
20 years$3,042$2,460$1,974$1,573$1,246$699
21 years$2,867$2,291$1,816$1,428$1,115$604
22 years$2,707$2,139$1,673$1,298$1,000$522
23 years$2,562$2,000$1,545$1,182$897$452
24 years$2,429$1,874$1,429$1,078$806$391
25 years$2,307$1,759$1,323$985$726$339
26 years$2,195$1,653$1,227$900$654$294
27 years$2,091$1,556$1,140$824$589$255
28 years$1,995$1,466$1,060$755$532$222
29 years$1,905$1,383$986$692$480$193
30 years$1,822$1,306$918$635$434$167
31 years$1,744$1,235$856$584$392$146
32 years$1,671$1,168$799$536$355$127
33 years$1,603$1,106$746$493$321$110
34 years$1,539$1,049$697$454$291$96
35 years$1,478$995$652$418$263$83
36 years$1,421$944$610$385$239$72
37 years$1,368$897$571$354$216$63
38 years$1,317$852$534$327$196$55
39 years$1,269$810$501$301$178$48
40 years$1,224$771$469$278$161$42
41 years$1,180$734$440$256$146$36
42 years$1,139$699$413$237$133$32
43 years$1,100$666$387$218$120$27
44 years$1,063$635$363$202$109$24
45 years$1,028$605$341$186$99$21
46 years$994$577$321$172$90$18
47 years$962$551$301$159$82$16
48 years$931$526$283$147$74$14
49 years$902$502$266$136$68$12
50 years$874$480$250$125$61$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $895,000, adding $2,939 every year, while hoping to spend $25,550 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: 52/28/20 Blend
51$895,000$895,000$895,000$895,000
52$989,322$941,887$928,014$1,035,170
53$1,063,047$960,854$931,918$1,086,015
54$1,143,437$979,895$935,095$1,138,394
55$1,231,143$998,985$937,497$1,194,821
56$1,326,884$1,018,099$939,067$1,255,690
57$1,431,450$1,037,211$939,750$1,321,435
58$1,545,713$1,056,289$939,487$1,392,532
59$1,670,631$1,075,302$938,214$1,469,510
60$1,807,259$1,094,215$935,868$1,552,950
61$1,956,759$1,112,991$932,379$1,643,491
62$2,120,410$1,131,590$927,676$1,741,841
63$2,299,622$1,149,968$921,683$1,848,779
64$2,495,946$1,168,079$914,322$1,965,164
65$2,711,090$1,185,873$905,510$2,091,944
66$2,946,937$1,203,296$895,160$2,230,163
67$3,205,558$1,220,291$883,182$2,380,974
68$3,489,237$1,236,798$869,480$2,545,646
69$3,800,488$1,252,749$853,956$2,725,582
70$4,142,080$1,268,076$836,506$2,922,326
71$4,517,063$1,282,702$817,020$3,137,581
72$4,928,798$1,296,549$795,384$3,373,227
73$5,380,986$1,309,531$771,481$3,631,334
74$5,877,705$1,321,557$745,184$3,914,187
75$6,423,447$1,332,529$716,363$4,224,306
76$7,023,160$1,342,345$684,883$4,564,466
77$7,682,297$1,350,894$650,601$4,937,731
78$8,406,863$1,358,060$613,368$5,347,478
79$9,203,476$1,363,717$573,028$5,797,428
80$10,079,424$1,367,733$529,419$6,291,689
81$11,042,742$1,369,968$482,371$6,834,785
82$12,102,277$1,370,272$431,705$7,431,707
83$13,267,779$1,368,486$377,238$8,087,958
84$14,549,992$1,364,440$318,774$8,809,604
85$15,960,750$1,357,957$256,113$9,603,334
86$17,513,096$1,348,846$189,041$10,476,520
87$19,221,398$1,336,906$117,340$11,437,292
88$21,101,488$1,321,922$40,779$12,494,614
89$23,170,813$1,303,669$0$13,658,365
90$25,448,593$1,281,906$0$14,948,172
91$27,956,009$1,256,379$0$16,377,164
92$30,716,398$1,226,818$0$17,949,925
93$33,755,477$1,192,938$0$19,681,105
94$37,101,581$1,154,438$0$21,586,853
95$40,785,934$1,110,997$0$23,684,969
96$44,842,941$1,062,277$0$25,995,066
97$49,310,512$1,007,920$0$28,538,764
98$54,230,424$947,548$0$31,339,892
99$59,648,710$880,760$0$34,424,708
100$65,616,094$807,134$0$37,822,158