Can I retire at age 52 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.6%
1 years$74,321$73,659$73,013$72,383$71,767$69,276
2 years$36,793$36,107$35,443$34,799$34,175$31,691
3 years$24,285$23,597$22,934$22,296$21,682$19,283
4 years$18,032$17,346$16,690$16,063$15,464$13,168
5 years$14,281$13,599$12,952$12,338$11,755$9,569
6 years$11,782$11,105$10,467$9,867$9,302$7,227
7 years$9,997$9,326$8,698$8,112$7,565$5,601
8 years$8,659$7,994$7,377$6,805$6,276$4,421
9 years$7,619$6,960$6,354$5,796$5,285$3,537
10 years$6,787$6,135$5,539$4,997$4,503$2,860
11 years$6,108$5,462$4,877$4,348$3,873$2,330
12 years$5,541$4,902$4,328$3,814$3,356$1,910
13 years$5,063$4,430$3,867$3,367$2,927$1,574
14 years$4,653$4,027$3,474$2,989$2,565$1,302
15 years$4,298$3,679$3,137$2,666$2,259$1,081
16 years$3,987$3,375$2,844$2,387$1,996$900
17 years$3,714$3,108$2,588$2,145$1,770$750
18 years$3,471$2,872$2,362$1,933$1,574$627
19 years$3,254$2,662$2,163$1,746$1,403$525
20 years$3,059$2,474$1,985$1,582$1,253$440
21 years$2,883$2,304$1,826$1,436$1,121$369
22 years$2,722$2,151$1,683$1,305$1,005$309
23 years$2,577$2,012$1,554$1,189$902$260
24 years$2,443$1,885$1,437$1,084$811$218
25 years$2,320$1,769$1,331$990$730$184
26 years$2,207$1,662$1,234$905$657$155
27 years$2,103$1,564$1,146$829$593$130
28 years$2,006$1,474$1,065$759$535$109
29 years$1,916$1,391$991$696$483$92
30 years$1,832$1,313$924$639$436$78
31 years$1,754$1,242$861$587$394$65
32 years$1,680$1,175$803$539$357$55
33 years$1,612$1,113$750$496$323$46
34 years$1,547$1,054$701$456$292$39
35 years$1,487$1,000$655$420$265$33
36 years$1,429$949$613$387$240$28
37 years$1,375$902$574$356$217$23
38 years$1,324$857$537$329$197$20
39 years$1,276$815$503$303$179$17
40 years$1,230$775$472$279$162$14
41 years$1,187$738$442$258$147$12
42 years$1,146$703$415$238$133$10
43 years$1,107$670$389$220$121$8
44 years$1,069$638$366$203$110$7
45 years$1,034$609$343$187$100$6
46 years$1,000$581$322$173$91$5
47 years$968$554$303$160$82$4
48 years$937$529$285$148$75$4
49 years$907$505$267$136$68$3
50 years$879$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 $900,000, adding $3,832 every year, while hoping to spend $54,698 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: 51/22/27 Blend
51$900,000$900,000$900,000$900,000
52$995,753$948,053$934,103$1,038,797
53$1,039,121$936,309$907,197$1,057,418
54$1,085,080$922,157$877,557$1,071,843
55$1,133,836$905,420$845,032$1,086,442
56$1,185,614$885,912$809,468$1,101,257
57$1,240,662$863,437$770,700$1,116,334
58$1,299,249$837,785$728,558$1,131,731
59$1,361,671$808,735$682,863$1,147,512
60$1,428,252$776,054$633,430$1,163,754
61$1,499,346$739,494$580,063$1,180,545
62$1,575,343$698,792$522,558$1,197,986
63$1,656,668$653,673$460,704$1,216,194
64$1,743,788$603,843$394,277$1,235,301
65$1,837,216$548,993$323,047$1,255,460
66$1,937,514$488,795$246,771$1,276,843
67$2,045,298$422,904$165,196$1,299,648
68$2,161,247$350,954$78,058$1,324,097
69$2,286,103$272,560$0$1,350,442
70$2,420,683$187,313$0$1,383,270
71$2,565,885$94,783$0$1,442,879
72$2,722,693$0$0$1,507,204
73$2,892,191$0$0$1,578,072
74$3,075,568$0$0$1,679,641
75$3,274,135$0$0$1,789,699
76$3,489,328$0$0$1,909,054
77$3,722,729$0$0$2,038,591
78$3,976,078$0$0$2,179,288
79$4,251,289$0$0$2,332,219
80$4,550,464$0$0$2,498,563
81$4,875,921$0$0$2,679,621
82$5,230,205$0$0$2,876,822
83$5,616,120$0$0$3,091,740
84$6,036,749$0$0$3,326,107
85$6,495,488$0$0$3,581,827
86$6,996,073$0$0$3,861,000
87$7,542,616$0$0$4,165,934
88$8,139,644$0$0$4,499,170
89$8,792,140$0$0$4,863,509
90$9,505,593$0$0$5,262,031
91$10,286,042$0$0$5,698,130
92$11,140,139$0$0$6,175,540
93$12,075,210$0$0$6,698,377
94$13,099,319$0$0$7,271,171
95$14,221,349$0$0$7,898,911
96$15,451,082$0$0$8,587,091
97$16,799,291$0$0$9,341,765
98$18,277,842$0$0$10,169,597
99$19,899,803$0$0$11,077,930
100$21,679,569$0$0$12,074,850