Can I retire at age 52 with 891,000?

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 $891,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$73,578$72,923$72,283$71,659$71,050$70,631
2 years$36,425$35,746$35,089$34,451$33,833$33,411
3 years$24,042$23,361$22,705$22,073$21,465$21,053
4 years$17,852$17,173$16,523$15,903$15,309$14,909
5 years$14,139$13,463$12,823$12,215$11,638$11,251
6 years$11,664$10,994$10,363$9,768$9,209$8,836
7 years$9,897$9,233$8,611$8,031$7,489$7,131
8 years$8,573$7,914$7,303$6,737$6,213$5,870
9 years$7,543$6,891$6,290$5,738$5,232$4,903
10 years$6,720$6,074$5,484$4,947$4,458$4,143
11 years$6,046$5,407$4,828$4,305$3,834$3,533
12 years$5,486$4,853$4,285$3,776$3,323$3,035
13 years$5,012$4,386$3,828$3,334$2,897$2,623
14 years$4,606$3,987$3,440$2,959$2,540$2,279
15 years$4,255$3,642$3,105$2,639$2,236$1,988
16 years$3,947$3,341$2,816$2,363$1,976$1,741
17 years$3,677$3,077$2,562$2,123$1,752$1,529
18 years$3,436$2,843$2,339$1,913$1,558$1,346
19 years$3,221$2,635$2,141$1,729$1,389$1,188
20 years$3,028$2,449$1,965$1,566$1,240$1,051
21 years$2,854$2,281$1,807$1,421$1,110$931
22 years$2,695$2,129$1,666$1,292$995$826
23 years$2,551$1,991$1,538$1,177$893$734
24 years$2,419$1,866$1,422$1,073$803$652
25 years$2,297$1,751$1,317$980$722$581
26 years$2,185$1,646$1,222$896$651$518
27 years$2,082$1,549$1,135$820$587$462
28 years$1,986$1,459$1,055$752$529$412
29 years$1,897$1,377$982$689$478$368
30 years$1,814$1,300$914$633$432$329
31 years$1,736$1,229$852$581$391$294
32 years$1,664$1,163$795$534$353$263
33 years$1,596$1,101$743$491$320$235
34 years$1,532$1,044$694$452$289$210
35 years$1,472$990$649$416$262$188
36 years$1,415$940$607$383$238$169
37 years$1,362$893$568$353$215$151
38 years$1,311$848$532$325$195$135
39 years$1,263$807$498$300$177$121
40 years$1,218$767$467$277$161$109
41 years$1,175$730$438$255$146$97
42 years$1,134$696$411$236$132$87
43 years$1,096$663$385$217$120$78
44 years$1,059$632$362$201$109$70
45 years$1,023$603$340$185$99$63
46 years$990$575$319$171$90$57
47 years$958$549$300$158$81$51
48 years$927$524$282$146$74$45
49 years$898$500$265$135$67$41
50 years$870$478$249$125$61$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $891,000, adding $6,446 every year, while hoping to spend $30,947 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: 39/41/20 Blend
51$891,000$891,000$891,000$891,000
52$988,531$941,308$927,498$1,020,969
53$1,056,434$954,505$925,641$1,058,079
54$1,130,226$967,311$922,686$1,094,759
55$1,210,474$979,675$918,561$1,133,785
56$1,297,804$991,541$913,195$1,175,385
57$1,392,904$1,002,850$906,511$1,219,815
58$1,496,530$1,013,539$898,428$1,267,356
59$1,609,514$1,023,540$888,864$1,318,320
60$1,732,773$1,032,783$877,729$1,373,051
61$1,867,316$1,041,189$864,934$1,431,931
62$2,014,253$1,048,678$850,380$1,495,383
63$2,174,807$1,055,163$833,967$1,563,874
64$2,350,322$1,060,552$815,590$1,637,920
65$2,542,282$1,064,745$795,139$1,718,094
66$2,752,316$1,067,639$772,498$1,805,027
67$2,982,221$1,069,123$747,546$1,899,420
68$3,233,976$1,069,078$720,157$2,002,045
69$3,509,758$1,067,379$690,198$2,113,757
70$3,811,966$1,063,894$657,533$2,235,503
71$4,143,243$1,058,480$622,016$2,368,326
72$4,506,496$1,050,989$583,496$2,513,382
73$4,904,932$1,041,260$541,817$2,671,947
74$5,342,080$1,029,126$496,812$2,845,431
75$5,821,827$1,014,409$448,310$3,035,394
76$6,348,456$996,918$396,132$3,243,558
77$6,926,685$976,453$340,089$3,471,824
78$7,561,710$952,802$279,985$3,722,295
79$8,259,255$925,741$215,615$3,997,292
80$9,025,627$895,030$146,766$4,299,378
81$9,867,773$860,418$73,214$4,631,385
82$10,793,345$821,638$0$4,996,440
83$11,810,776$778,408$0$5,399,122
84$12,929,356$730,430$0$5,858,861
85$14,159,317$677,389$0$6,364,281
86$15,511,937$618,950$0$6,920,084
87$16,999,637$554,761$0$7,531,457
88$18,636,106$484,450$0$8,204,121
89$20,436,423$407,623$0$8,944,388
90$22,417,205$323,863$0$9,759,220
91$24,596,759$232,731$0$10,656,296
92$26,995,257$133,763$0$11,644,085
93$29,634,925$26,469$0$12,731,929
94$32,540,252$0$0$13,930,128
95$35,738,225$0$0$15,290,501
96$39,258,574$0$0$16,801,301
97$43,134,063$0$0$18,464,665
98$47,400,793$0$0$20,296,105
99$52,098,541$0$0$22,312,715
100$57,271,139$0$0$24,533,331