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%17.6%
1 years$74,404$73,741$73,094$72,463$71,847$69,631
2 years$36,834$36,148$35,483$34,838$34,213$31,999
3 years$24,312$23,623$22,960$22,321$21,706$19,565
4 years$18,052$17,365$16,709$16,081$15,481$13,428
5 years$14,297$13,615$12,967$12,352$11,768$9,810
6 years$11,795$11,117$10,479$9,878$9,312$7,449
7 years$10,008$9,336$8,708$8,121$7,573$5,806
8 years$8,669$8,003$7,385$6,813$6,283$4,610
9 years$7,628$6,968$6,361$5,803$5,291$3,711
10 years$6,795$6,142$5,546$5,002$4,508$3,019
11 years$6,114$5,468$4,882$4,353$3,877$2,476
12 years$5,548$4,908$4,333$3,818$3,360$2,044
13 years$5,068$4,435$3,871$3,371$2,930$1,695
14 years$4,658$4,031$3,478$2,993$2,568$1,412
15 years$4,302$3,683$3,140$2,669$2,261$1,181
16 years$3,992$3,379$2,847$2,390$1,999$990
17 years$3,718$3,112$2,591$2,147$1,772$832
18 years$3,475$2,875$2,365$1,935$1,576$700
19 years$3,258$2,665$2,165$1,748$1,404$590
20 years$3,062$2,476$1,987$1,583$1,254$498
21 years$2,886$2,307$1,828$1,437$1,123$421
22 years$2,726$2,153$1,685$1,307$1,006$356
23 years$2,579$2,014$1,555$1,190$903$302
24 years$2,446$1,887$1,438$1,085$812$256
25 years$2,323$1,771$1,332$991$731$217
26 years$2,210$1,664$1,236$906$658$184
27 years$2,105$1,566$1,147$830$593$156
28 years$2,008$1,476$1,067$760$535$132
29 years$1,918$1,392$993$697$483$112
30 years$1,834$1,315$925$640$437$95
31 years$1,756$1,243$862$587$395$81
32 years$1,682$1,176$804$540$357$69
33 years$1,614$1,114$751$496$323$58
34 years$1,549$1,056$702$457$293$50
35 years$1,488$1,001$656$421$265$42
36 years$1,431$950$614$387$240$36
37 years$1,377$903$574$357$218$31
38 years$1,326$858$538$329$197$26
39 years$1,278$816$504$303$179$22
40 years$1,232$776$472$280$162$19
41 years$1,188$739$443$258$147$16
42 years$1,147$704$415$238$134$14
43 years$1,108$670$390$220$121$12
44 years$1,071$639$366$203$110$10
45 years$1,035$609$344$187$100$8
46 years$1,001$581$323$173$91$7
47 years$969$555$303$160$82$6
48 years$938$530$285$148$75$5
49 years$908$506$268$137$68$4
50 years$880$483$252$126$62$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $901,000, adding $4,066 every year, while hoping to spend $31,983 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: 78/14/8 Blend
51$901,000$901,000$901,000$901,000
52$997,096$949,343$935,378$1,073,448
53$1,064,770$961,831$932,683$1,136,635
54$1,138,275$973,859$928,826$1,201,360
55$1,218,172$985,371$923,735$1,271,404
56$1,305,078$996,307$917,332$1,347,283
57$1,399,671$1,006,601$909,538$1,429,564
58$1,502,700$1,016,187$900,270$1,518,873
59$1,614,986$1,024,991$889,440$1,615,898
60$1,737,434$1,032,934$876,955$1,721,399
61$1,871,039$1,039,936$862,721$1,836,211
62$2,016,899$1,045,906$846,635$1,961,256
63$2,176,219$1,050,752$828,594$2,097,547
64$2,350,329$1,054,374$808,487$2,246,204
65$2,540,689$1,056,665$786,198$2,408,459
66$2,748,911$1,057,514$761,608$2,585,668
67$2,976,768$1,056,800$734,589$2,779,329
68$3,226,211$1,054,396$705,011$2,991,089
69$3,499,391$1,050,167$672,735$3,222,766
70$3,798,674$1,043,970$637,617$3,476,361
71$4,126,668$1,035,654$599,506$3,754,081
72$4,486,244$1,025,057$558,246$4,058,357
73$4,880,564$1,012,008$513,670$4,391,869
74$5,313,112$996,327$465,609$4,757,571
75$5,787,724$977,821$413,881$5,158,717
76$6,308,625$956,288$358,299$5,598,894
77$6,880,471$931,512$298,668$6,082,056
78$7,508,388$903,266$234,783$6,612,559
79$8,198,026$871,308$166,430$7,195,207
80$8,955,606$835,383$93,387$7,835,291
81$9,787,982$795,222$15,420$8,538,645
82$10,702,706$750,538$0$9,311,697
83$11,708,097$701,029$0$10,167,319
84$12,813,320$646,377$0$11,109,316
85$14,028,473$586,243$0$12,144,999
86$15,364,679$520,270$0$13,283,878
87$16,834,195$448,082$0$14,536,433
88$18,450,524$369,280$0$15,914,212
89$20,228,545$283,442$0$17,429,942
90$22,184,651$190,125$0$19,097,649
91$24,336,902$88,858$0$20,932,787
92$26,705,200$0$0$22,952,391
93$29,311,471$0$0$25,178,444
94$32,179,875$0$0$27,643,489
95$35,337,034$0$0$30,356,719
96$38,812,279$0$0$33,343,347
97$42,637,931$0$0$36,631,154
98$46,849,605$0$0$40,250,750
99$51,486,541$0$0$44,235,867
100$56,591,980$0$0$48,623,671