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%11.2%
1 years$74,404$73,741$73,094$72,463$71,847$71,484
2 years$36,834$36,148$35,483$34,838$34,213$33,847
3 years$24,312$23,623$22,960$22,321$21,706$21,348
4 years$18,052$17,365$16,709$16,081$15,481$15,133
5 years$14,297$13,615$12,967$12,352$11,768$11,433
6 years$11,795$11,117$10,479$9,878$9,312$8,988
7 years$10,008$9,336$8,708$8,121$7,573$7,262
8 years$8,669$8,003$7,385$6,813$6,283$5,984
9 years$7,628$6,968$6,361$5,803$5,291$5,004
10 years$6,795$6,142$5,546$5,002$4,508$4,234
11 years$6,114$5,468$4,882$4,353$3,877$3,615
12 years$5,548$4,908$4,333$3,818$3,360$3,109
13 years$5,068$4,435$3,871$3,371$2,930$2,691
14 years$4,658$4,031$3,478$2,993$2,568$2,341
15 years$4,302$3,683$3,140$2,669$2,261$2,045
16 years$3,992$3,379$2,847$2,390$1,999$1,793
17 years$3,718$3,112$2,591$2,147$1,772$1,577
18 years$3,475$2,875$2,365$1,935$1,576$1,390
19 years$3,258$2,665$2,165$1,748$1,404$1,229
20 years$3,062$2,476$1,987$1,583$1,254$1,088
21 years$2,886$2,307$1,828$1,437$1,123$965
22 years$2,726$2,153$1,685$1,307$1,006$858
23 years$2,579$2,014$1,555$1,190$903$763
24 years$2,446$1,887$1,438$1,085$812$680
25 years$2,323$1,771$1,332$991$731$606
26 years$2,210$1,664$1,236$906$658$541
27 years$2,105$1,566$1,147$830$593$483
28 years$2,008$1,476$1,067$760$535$432
29 years$1,918$1,392$993$697$483$386
30 years$1,834$1,315$925$640$437$346
31 years$1,756$1,243$862$587$395$309
32 years$1,682$1,176$804$540$357$277
33 years$1,614$1,114$751$496$323$248
34 years$1,549$1,056$702$457$293$223
35 years$1,488$1,001$656$421$265$200
36 years$1,431$950$614$387$240$179
37 years$1,377$903$574$357$218$161
38 years$1,326$858$538$329$197$144
39 years$1,278$816$504$303$179$130
40 years$1,232$776$472$280$162$116
41 years$1,188$739$443$258$147$104
42 years$1,147$704$415$238$134$94
43 years$1,108$670$390$220$121$84
44 years$1,071$639$366$203$110$76
45 years$1,035$609$344$187$100$68
46 years$1,001$581$323$173$91$61
47 years$969$555$303$160$82$55
48 years$938$530$285$148$75$49
49 years$908$506$268$137$68$44
50 years$880$483$252$126$62$40

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $901,000, adding $2,646 every year, while hoping to spend $40,012 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: 59/22/19 Blend
51$901,000$901,000$901,000$901,000
52$995,631$947,878$933,913$1,049,268
53$1,054,613$951,752$922,626$1,089,797
54$1,118,270$954,474$909,621$1,129,364
55$1,187,037$955,947$894,797$1,171,611
56$1,261,391$956,065$878,049$1,216,803
57$1,341,858$954,716$859,268$1,265,235
58$1,429,014$951,784$838,340$1,317,234
59$1,523,494$947,142$815,145$1,373,158
60$1,625,995$940,657$789,557$1,433,406
61$1,737,286$932,188$761,446$1,498,419
62$1,858,209$921,585$730,675$1,568,685
63$1,989,694$908,691$697,100$1,644,742
64$2,132,761$893,335$660,572$1,727,186
65$2,288,536$875,341$620,933$1,816,677
66$2,458,253$854,520$578,022$1,913,943
67$2,643,275$830,671$531,665$2,019,789
68$2,845,099$803,584$481,686$2,135,106
69$3,065,373$773,034$427,897$2,260,876
70$3,305,913$738,784$370,103$2,398,188
71$3,568,716$700,584$308,101$2,548,242
72$3,855,981$658,169$241,678$2,712,365
73$4,170,130$611,258$170,613$2,892,025
74$4,513,828$559,555$94,674$3,088,839
75$4,890,011$502,746$13,618$3,304,598
76$5,301,912$440,500$0$3,541,277
77$5,753,090$372,468$0$3,815,834
78$6,247,465$298,279$0$4,119,810
79$6,789,355$217,542$0$4,453,157
80$7,383,514$129,847$0$4,818,871
81$8,035,179$34,756$0$5,220,256
82$8,750,118$0$0$5,660,957
83$9,534,684$0$0$6,161,499
84$10,395,876$0$0$6,720,239
85$11,341,402$0$0$7,333,774
86$12,379,753$0$0$8,007,624
87$13,520,285$0$0$8,747,870
88$14,773,301$0$0$9,561,209
89$16,150,155$0$0$10,455,023
90$17,663,351$0$0$11,437,440
91$19,326,670$0$0$12,517,419
92$21,155,288$0$0$13,704,825
93$23,165,931$0$0$15,010,533
94$25,377,023$0$0$16,446,518
95$27,808,863$0$0$18,025,979
96$30,483,817$0$0$19,763,455
97$33,426,528$0$0$21,674,967
98$36,664,147$0$0$23,778,165
99$40,226,588$0$0$26,092,499
100$44,146,813$0$0$28,639,397