Can I retire at age 52 with 901,000?

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 $901,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$74,404$73,741$73,094$72,463$71,847$70,686
2 years$36,834$36,148$35,483$34,838$34,213$33,046
3 years$24,312$23,623$22,960$22,321$21,706$20,570
4 years$18,052$17,365$16,709$16,081$15,481$14,385
5 years$14,297$13,615$12,967$12,352$11,768$10,715
6 years$11,795$11,117$10,479$9,878$9,312$8,302
7 years$10,008$9,336$8,708$8,121$7,573$6,608
8 years$8,669$8,003$7,385$6,813$6,283$5,361
9 years$7,628$6,968$6,361$5,803$5,291$4,413
10 years$6,795$6,142$5,546$5,002$4,508$3,673
11 years$6,114$5,468$4,882$4,353$3,877$3,084
12 years$5,548$4,908$4,333$3,818$3,360$2,608
13 years$5,068$4,435$3,871$3,371$2,930$2,218
14 years$4,658$4,031$3,478$2,993$2,568$1,895
15 years$4,302$3,683$3,140$2,669$2,261$1,625
16 years$3,992$3,379$2,847$2,390$1,999$1,399
17 years$3,718$3,112$2,591$2,147$1,772$1,207
18 years$3,475$2,875$2,365$1,935$1,576$1,044
19 years$3,258$2,665$2,165$1,748$1,404$905
20 years$3,062$2,476$1,987$1,583$1,254$786
21 years$2,886$2,307$1,828$1,437$1,123$683
22 years$2,726$2,153$1,685$1,307$1,006$595
23 years$2,579$2,014$1,555$1,190$903$518
24 years$2,446$1,887$1,438$1,085$812$452
25 years$2,323$1,771$1,332$991$731$395
26 years$2,210$1,664$1,236$906$658$345
27 years$2,105$1,566$1,147$830$593$302
28 years$2,008$1,476$1,067$760$535$264
29 years$1,918$1,392$993$697$483$231
30 years$1,834$1,315$925$640$437$202
31 years$1,756$1,243$862$587$395$177
32 years$1,682$1,176$804$540$357$155
33 years$1,614$1,114$751$496$323$136
34 years$1,549$1,056$702$457$293$119
35 years$1,488$1,001$656$421$265$104
36 years$1,431$950$614$387$240$92
37 years$1,377$903$574$357$218$80
38 years$1,326$858$538$329$197$70
39 years$1,278$816$504$303$179$62
40 years$1,232$776$472$280$162$54
41 years$1,188$739$443$258$147$48
42 years$1,147$704$415$238$134$42
43 years$1,108$670$390$220$121$37
44 years$1,071$639$366$203$110$32
45 years$1,035$609$344$187$100$28
46 years$1,001$581$323$173$91$25
47 years$969$555$303$160$82$22
48 years$938$530$285$148$75$19
49 years$908$506$268$137$68$17
50 years$880$483$252$126$62$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $901,000, adding $4,630 every year, while hoping to spend $51,133 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: 40/35/25 Blend
51$901,000$901,000$901,000$901,000
52$997,678$949,925$935,959$1,030,053
53$1,045,036$942,066$912,909$1,046,013
54$1,095,511$932,108$887,372$1,058,122
55$1,149,366$919,895$859,213$1,070,219
56$1,206,891$905,260$828,286$1,082,333
57$1,268,403$888,027$794,443$1,094,500
58$1,334,250$868,009$757,526$1,106,766
59$1,404,811$845,009$717,371$1,119,183
60$1,480,505$818,818$673,806$1,131,814
61$1,561,791$789,214$626,653$1,144,733
62$1,649,171$755,964$575,723$1,158,029
63$1,743,199$718,818$520,823$1,171,804
64$1,844,480$677,516$461,745$1,186,176
65$1,953,682$631,779$398,279$1,201,281
66$2,071,536$581,314$330,199$1,217,278
67$2,198,846$525,812$257,275$1,234,347
68$2,336,497$464,945$179,261$1,252,695
69$2,485,459$398,367$95,906$1,272,557
70$2,646,800$325,711$6,943$1,294,201
71$2,821,694$246,591$0$1,317,933
72$3,011,432$160,600$0$1,367,569
73$3,217,435$67,306$0$1,423,528
74$3,441,263$0$0$1,484,478
75$3,684,635$0$0$1,563,996
76$3,949,439$0$0$1,678,826
77$4,237,757$0$0$1,803,961
78$4,551,875$0$0$1,940,407
79$4,894,313$0$0$2,089,272
80$5,267,840$0$0$2,251,777
81$5,675,508$0$0$2,429,263
82$6,120,674$0$0$2,623,208
83$6,607,035$0$0$2,835,240
84$7,138,658$0$0$3,067,150
85$7,720,025$0$0$3,320,910
86$8,356,068$0$0$3,598,692
87$9,052,219$0$0$3,902,889
88$9,814,457$0$0$4,236,132
89$10,649,370$0$0$4,601,324
90$11,564,209$0$0$5,001,659
91$12,566,963$0$0$5,440,654
92$13,666,429$0$0$5,922,184
93$14,872,296$0$0$6,450,518
94$16,195,236$0$0$7,030,356
95$17,647,004$0$0$7,666,878
96$19,240,548$0$0$8,365,786
97$20,990,130$0$0$9,133,365
98$22,911,461$0$0$9,976,537
99$25,021,848$0$0$10,902,926
100$27,340,358$0$0$11,920,934