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%18.8%
1 years$74,239$73,577$72,932$72,302$71,688$69,144
2 years$36,752$36,067$35,404$34,761$34,137$31,601
3 years$24,258$23,570$22,909$22,272$21,658$19,210
4 years$18,012$17,327$16,672$16,045$15,447$13,105
5 years$14,266$13,584$12,938$12,324$11,742$9,514
6 years$11,769$11,093$10,456$9,856$9,291$7,177
7 years$9,986$9,316$8,689$8,103$7,556$5,556
8 years$8,650$7,985$7,369$6,797$6,269$4,380
9 years$7,611$6,953$6,347$5,790$5,279$3,500
10 years$6,780$6,128$5,533$4,991$4,498$2,826
11 years$6,101$5,456$4,871$4,344$3,868$2,300
12 years$5,535$4,897$4,323$3,810$3,352$1,883
13 years$5,057$4,425$3,862$3,364$2,923$1,550
14 years$4,647$4,022$3,470$2,986$2,563$1,280
15 years$4,293$3,675$3,133$2,663$2,256$1,061
16 years$3,983$3,371$2,841$2,384$1,994$882
17 years$3,710$3,105$2,585$2,142$1,768$734
18 years$3,467$2,869$2,360$1,931$1,572$613
19 years$3,250$2,659$2,160$1,744$1,401$512
20 years$3,055$2,471$1,983$1,580$1,252$428
21 years$2,879$2,302$1,824$1,434$1,120$359
22 years$2,719$2,148$1,681$1,304$1,004$301
23 years$2,574$2,009$1,552$1,187$901$252
24 years$2,440$1,883$1,435$1,083$810$212
25 years$2,318$1,767$1,329$989$729$178
26 years$2,205$1,660$1,233$904$657$149
27 years$2,100$1,563$1,145$828$592$125
28 years$2,004$1,473$1,064$758$534$105
29 years$1,914$1,389$990$695$482$89
30 years$1,830$1,312$923$638$436$74
31 years$1,752$1,240$860$586$394$63
32 years$1,679$1,173$802$539$356$53
33 years$1,610$1,111$749$495$323$44
34 years$1,546$1,053$700$456$292$37
35 years$1,485$999$654$420$265$31
36 years$1,428$948$612$386$240$26
37 years$1,374$901$573$356$217$22
38 years$1,323$856$537$328$197$19
39 years$1,275$814$503$303$179$16
40 years$1,229$774$471$279$162$13
41 years$1,186$737$442$258$147$11
42 years$1,145$702$415$238$133$9
43 years$1,105$669$389$219$121$8
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$3
49 years$906$505$267$136$68$3
50 years$878$482$251$126$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $899,000, adding $2,521 every year, while hoping to spend $41,128 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: 59/16/25 Blend
51$899,000$899,000$899,000$899,000
52$993,298$945,651$931,717$1,045,075
53$1,050,855$948,228$919,170$1,083,229
54$1,112,904$949,553$904,823$1,120,193
55$1,179,860$949,521$888,575$1,159,631
56$1,252,179$948,021$870,315$1,201,794
57$1,330,361$944,934$849,931$1,246,958
58$1,414,958$940,136$827,304$1,295,428
59$1,506,574$933,493$802,309$1,347,545
60$1,605,874$924,864$774,816$1,403,683
61$1,713,591$914,099$744,689$1,464,258
62$1,830,528$901,041$711,787$1,529,730
63$1,957,570$885,520$675,960$1,600,608
64$2,095,690$867,359$637,053$1,677,454
65$2,245,961$846,370$594,904$1,760,892
66$2,409,558$822,352$549,344$1,851,610
67$2,587,780$795,094$500,194$1,950,370
68$2,782,053$764,372$447,269$2,058,014
69$2,993,946$729,951$390,376$2,175,473
70$3,225,189$691,578$329,314$2,303,778
71$3,477,683$648,990$263,871$2,444,066
72$3,753,522$601,906$193,826$2,597,595
73$4,055,012$550,030$118,950$2,765,754
74$4,384,690$493,049$39,002$2,950,080
75$4,745,352$430,632$0$3,152,270
76$5,140,075$362,430$0$3,386,553
77$5,572,246$288,072$0$3,654,549
78$6,045,597$207,169$0$3,948,206
79$6,564,236$119,309$0$4,270,124
80$7,132,690$24,057$0$4,623,172
81$7,755,941$0$0$5,010,513
82$8,439,479$0$0$5,449,551
83$9,189,349$0$0$5,935,916
84$10,012,211$0$0$6,469,702
85$10,915,399$0$0$7,055,676
86$11,906,994$0$0$7,699,090
87$12,995,896$0$0$8,405,730
88$14,191,909$0$0$9,181,970
89$15,505,834$0$0$10,034,830
90$16,949,569$0$0$10,972,045
91$18,536,223$0$0$12,002,136
92$20,280,236$0$0$13,134,492
93$22,197,518$0$0$14,379,454
94$24,305,597$0$0$15,748,417
95$26,623,783$0$0$17,253,936
96$29,173,353$0$0$18,909,841
97$31,977,749$0$0$20,731,374
98$35,062,798$0$0$22,735,323
99$38,456,956$0$0$24,940,190
100$42,191,578$0$0$27,366,358