Can I retire at age 52 with 901,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%15.2%
1 years$74,404$73,741$73,094$72,463$71,847$70,310
2 years$36,834$36,148$35,483$34,838$34,213$32,672
3 years$24,312$23,623$22,960$22,321$21,706$20,209
4 years$18,052$17,365$16,709$16,081$15,481$14,040
5 years$14,297$13,615$12,967$12,352$11,768$10,387
6 years$11,795$11,117$10,479$9,878$9,312$7,992
7 years$10,008$9,336$8,708$8,121$7,573$6,314
8 years$8,669$8,003$7,385$6,813$6,283$5,085
9 years$7,628$6,968$6,361$5,803$5,291$4,153
10 years$6,795$6,142$5,546$5,002$4,508$3,429
11 years$6,114$5,468$4,882$4,353$3,877$2,856
12 years$5,548$4,908$4,333$3,818$3,360$2,395
13 years$5,068$4,435$3,871$3,371$2,930$2,019
14 years$4,658$4,031$3,478$2,993$2,568$1,710
15 years$4,302$3,683$3,140$2,669$2,261$1,454
16 years$3,992$3,379$2,847$2,390$1,999$1,240
17 years$3,718$3,112$2,591$2,147$1,772$1,060
18 years$3,475$2,875$2,365$1,935$1,576$908
19 years$3,258$2,665$2,165$1,748$1,404$780
20 years$3,062$2,476$1,987$1,583$1,254$670
21 years$2,886$2,307$1,828$1,437$1,123$577
22 years$2,726$2,153$1,685$1,307$1,006$497
23 years$2,579$2,014$1,555$1,190$903$429
24 years$2,446$1,887$1,438$1,085$812$371
25 years$2,323$1,771$1,332$991$731$320
26 years$2,210$1,664$1,236$906$658$277
27 years$2,105$1,566$1,147$830$593$239
28 years$2,008$1,476$1,067$760$535$207
29 years$1,918$1,392$993$697$483$179
30 years$1,834$1,315$925$640$437$155
31 years$1,756$1,243$862$587$395$135
32 years$1,682$1,176$804$540$357$117
33 years$1,614$1,114$751$496$323$101
34 years$1,549$1,056$702$457$293$88
35 years$1,488$1,001$656$421$265$76
36 years$1,431$950$614$387$240$66
37 years$1,377$903$574$357$218$57
38 years$1,326$858$538$329$197$50
39 years$1,278$816$504$303$179$43
40 years$1,232$776$472$280$162$37
41 years$1,188$739$443$258$147$32
42 years$1,147$704$415$238$134$28
43 years$1,108$670$390$220$121$24
44 years$1,071$639$366$203$110$21
45 years$1,035$609$344$187$100$18
46 years$1,001$581$323$173$91$16
47 years$969$555$303$160$82$14
48 years$938$530$285$148$75$12
49 years$908$506$268$137$68$10
50 years$880$483$252$126$62$9

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $901,000, adding $2,105 every year, while hoping to spend $37,481 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: 58/25/17 Blend
51$901,000$901,000$901,000$901,000
52$995,073$947,320$933,355$1,048,264
53$1,056,691$953,860$924,743$1,091,092
54$1,123,338$959,463$914,586$1,133,472
55$1,195,487$964,045$902,793$1,178,816
56$1,273,659$967,515$889,269$1,227,417
57$1,358,425$969,777$873,912$1,279,598
58$1,450,416$970,727$856,619$1,335,715
59$1,550,322$970,257$837,280$1,396,164
60$1,658,906$968,250$815,780$1,461,379
61$1,777,005$964,585$791,999$1,531,844
62$1,905,540$959,130$765,812$1,608,091
63$2,045,524$951,747$737,086$1,690,708
64$2,198,075$942,289$705,685$1,780,347
65$2,364,418$930,601$671,465$1,877,726
66$2,545,906$916,518$634,276$1,983,639
67$2,744,025$899,864$593,962$2,098,964
68$2,960,414$880,456$550,357$2,224,669
69$3,196,874$858,095$503,292$2,361,826
70$3,455,389$832,576$452,586$2,511,616
71$3,738,144$803,679$398,054$2,675,347
72$4,047,546$771,169$339,499$2,854,460
73$4,386,241$734,803$276,719$3,050,548
74$4,757,148$694,318$209,499$3,265,370
75$5,163,478$649,441$137,618$3,500,867
76$5,608,768$599,879$60,844$3,759,184
77$6,096,915$545,325$0$4,042,687
78$6,632,207$485,453$0$4,357,815
79$7,219,372$419,920$0$4,715,652
80$7,863,615$348,362$0$5,108,382
81$8,570,667$270,396$0$5,539,569
82$9,346,846$185,616$0$6,013,143
83$10,199,106$93,593$0$6,533,436
84$11,135,112$0$0$7,105,229
85$12,163,306$0$0$7,735,476
86$13,292,985$0$0$8,456,300
87$14,534,397$0$0$9,248,499
88$15,898,826$0$0$10,119,286
89$17,398,708$0$0$11,076,608
90$19,047,741$0$0$12,129,220
91$20,861,018$0$0$13,286,766
92$22,855,167$0$0$14,559,873
93$25,048,508$0$0$15,960,250
94$27,461,227$0$0$17,500,796
95$30,115,563$0$0$19,195,725
96$33,036,020$0$0$21,060,697
97$36,249,597$0$0$23,112,966
98$39,786,041$0$0$25,371,546
99$43,678,131$0$0$27,857,383
100$47,961,982$0$0$30,593,562