Can I retire at age 52 with 899,000?

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 $899,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$74,239$73,577$72,932$72,302$71,688$69,227
2 years$36,752$36,067$35,404$34,761$34,137$31,683
3 years$24,258$23,570$22,909$22,272$21,658$19,287
4 years$18,012$17,327$16,672$16,045$15,447$13,178
5 years$14,266$13,584$12,938$12,324$11,742$9,581
6 years$11,769$11,093$10,456$9,856$9,291$7,240
7 years$9,986$9,316$8,689$8,103$7,556$5,614
8 years$8,650$7,985$7,369$6,797$6,269$4,434
9 years$7,611$6,953$6,347$5,790$5,279$3,550
10 years$6,780$6,128$5,533$4,991$4,498$2,872
11 years$6,101$5,456$4,871$4,344$3,868$2,341
12 years$5,535$4,897$4,323$3,810$3,352$1,921
13 years$5,057$4,425$3,862$3,364$2,923$1,584
14 years$4,647$4,022$3,470$2,986$2,563$1,311
15 years$4,293$3,675$3,133$2,663$2,256$1,089
16 years$3,983$3,371$2,841$2,384$1,994$907
17 years$3,710$3,105$2,585$2,142$1,768$757
18 years$3,467$2,869$2,360$1,931$1,572$633
19 years$3,250$2,659$2,160$1,744$1,401$530
20 years$3,055$2,471$1,983$1,580$1,252$445
21 years$2,879$2,302$1,824$1,434$1,120$373
22 years$2,719$2,148$1,681$1,304$1,004$313
23 years$2,574$2,009$1,552$1,187$901$263
24 years$2,440$1,883$1,435$1,083$810$222
25 years$2,318$1,767$1,329$989$729$187
26 years$2,205$1,660$1,233$904$657$157
27 years$2,100$1,563$1,145$828$592$132
28 years$2,004$1,473$1,064$758$534$111
29 years$1,914$1,389$990$695$482$94
30 years$1,830$1,312$923$638$436$79
31 years$1,752$1,240$860$586$394$67
32 years$1,679$1,173$802$539$356$56
33 years$1,610$1,111$749$495$323$47
34 years$1,546$1,053$700$456$292$40
35 years$1,485$999$654$420$265$34
36 years$1,428$948$612$386$240$28
37 years$1,374$901$573$356$217$24
38 years$1,323$856$537$328$197$20
39 years$1,275$814$503$303$179$17
40 years$1,229$774$471$279$162$14
41 years$1,186$737$442$258$147$12
42 years$1,145$702$415$238$133$10
43 years$1,105$669$389$219$121$9
44 years$1,068$638$365$203$110$7
45 years$1,033$608$343$187$100$6
46 years$999$580$322$173$91$5
47 years$966$553$302$160$82$4
48 years$936$528$284$148$75$4
49 years$906$505$267$136$68$3
50 years$878$482$251$126$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $899,000, adding $2,847 every year, while hoping to spend $27,925 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: 28/49/23 Blend
51$899,000$899,000$899,000$899,000
52$993,635$945,988$932,053$1,014,220
53$1,065,273$962,629$933,565$1,047,206
54$1,143,283$979,150$934,191$1,079,974
55$1,228,285$995,515$933,874$1,114,596
56$1,320,961$1,011,686$932,549$1,151,250
57$1,422,063$1,027,622$930,153$1,190,129
58$1,532,417$1,043,280$926,618$1,231,452
59$1,652,935$1,058,612$921,870$1,275,457
60$1,784,618$1,073,568$915,837$1,322,411
61$1,928,570$1,088,094$908,439$1,372,606
62$2,086,006$1,102,132$899,593$1,426,370
63$2,258,263$1,115,620$889,213$1,484,062
64$2,446,813$1,128,494$877,210$1,546,082
65$2,653,280$1,140,682$863,488$1,612,872
66$2,879,448$1,152,109$847,949$1,684,920
67$3,127,285$1,162,695$830,488$1,762,768
68$3,398,956$1,172,355$810,997$1,847,014
69$3,696,847$1,180,998$789,363$1,938,321
70$4,023,586$1,188,528$765,468$2,037,423
71$4,382,067$1,194,840$739,186$2,145,128
72$4,775,477$1,199,827$710,388$2,262,335
73$5,207,328$1,203,370$678,938$2,390,034
74$5,681,487$1,205,347$644,694$2,529,322
75$6,202,215$1,205,626$607,508$2,681,410
76$6,774,206$1,204,066$567,224$2,847,638
77$7,402,630$1,200,521$523,681$3,029,486
78$8,093,183$1,194,831$476,709$3,228,592
79$8,852,140$1,186,830$426,131$3,446,763
80$9,686,414$1,176,341$371,763$3,685,998
81$10,603,623$1,163,176$313,411$3,948,505
82$11,612,156$1,147,135$250,874$4,236,722
83$12,721,259$1,128,007$183,941$4,553,343
84$13,941,117$1,105,570$112,393$4,901,345
85$15,282,953$1,079,585$36,000$5,284,014
86$16,759,131$1,049,801$0$5,704,979
87$18,383,275$1,015,954$0$6,179,421
88$20,170,395$977,762$0$6,710,747
89$22,137,030$934,927$0$7,295,063
90$24,301,403$887,134$0$7,937,829
91$26,683,594$834,052$0$8,645,069
92$29,305,727$775,326$0$9,423,430
93$32,192,180$710,587$0$10,280,240
94$35,369,815$639,438$0$11,223,586
95$38,868,232$561,466$0$12,262,387
96$42,720,043$476,230$0$13,406,479
97$46,961,188$383,266$0$14,666,712
98$51,631,266$282,083$0$16,055,052
99$56,773,914$172,163$0$17,584,697
100$62,437,213$52,959$0$19,270,201