Can I retire at age 52 with 902,000?

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 $902,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$74,486$73,823$73,176$72,544$71,927$71,324
2 years$36,874$36,188$35,522$34,877$34,251$33,643
3 years$24,339$23,649$22,985$22,346$21,730$21,137
4 years$18,072$17,385$16,727$16,099$15,498$14,923
5 years$14,313$13,630$12,981$12,366$11,781$11,227
6 years$11,808$11,130$10,491$9,889$9,322$8,789
7 years$10,019$9,347$8,718$8,130$7,581$7,069
8 years$8,678$8,012$7,393$6,820$6,290$5,799
9 years$7,636$6,976$6,368$5,809$5,297$4,827
10 years$6,803$6,149$5,552$5,008$4,513$4,064
11 years$6,121$5,474$4,888$4,358$3,881$3,453
12 years$5,554$4,913$4,338$3,823$3,364$2,955
13 years$5,074$4,440$3,875$3,375$2,933$2,545
14 years$4,663$4,036$3,482$2,996$2,571$2,202
15 years$4,307$3,687$3,144$2,672$2,264$1,913
16 years$3,996$3,383$2,850$2,392$2,001$1,668
17 years$3,722$3,115$2,594$2,149$1,774$1,459
18 years$3,479$2,879$2,368$1,937$1,577$1,279
19 years$3,261$2,668$2,168$1,750$1,406$1,124
20 years$3,066$2,479$1,989$1,585$1,256$990
21 years$2,889$2,309$1,830$1,439$1,124$873
22 years$2,729$2,156$1,686$1,308$1,007$771
23 years$2,582$2,016$1,557$1,191$904$682
24 years$2,448$1,889$1,440$1,087$813$604
25 years$2,325$1,773$1,334$992$731$535
26 years$2,212$1,666$1,237$907$659$474
27 years$2,107$1,568$1,149$830$594$421
28 years$2,010$1,477$1,068$761$536$374
29 years$1,920$1,394$994$698$484$332
30 years$1,836$1,316$926$640$437$296
31 years$1,758$1,244$863$588$395$263
32 years$1,684$1,177$805$541$358$234
33 years$1,615$1,115$752$497$324$208
34 years$1,551$1,057$702$457$293$185
35 years$1,490$1,002$657$421$265$165
36 years$1,433$951$614$388$240$147
37 years$1,379$904$575$357$218$131
38 years$1,327$859$538$329$198$117
39 years$1,279$817$504$304$179$104
40 years$1,233$777$473$280$163$93
41 years$1,190$740$443$258$147$83
42 years$1,148$704$416$238$134$74
43 years$1,109$671$390$220$121$66
44 years$1,072$640$366$203$110$59
45 years$1,036$610$344$188$100$53
46 years$1,002$582$323$173$91$47
47 years$970$555$304$160$82$42
48 years$939$530$285$148$75$37
49 years$909$506$268$137$68$33
50 years$881$484$252$126$62$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $902,000, adding $3,172 every year, while hoping to spend $35,344 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: 41/45/14 Blend
51$902,000$902,000$902,000$902,000
52$997,276$949,470$935,489$1,033,918
53$1,061,392$958,388$929,222$1,068,993
54$1,130,864$966,559$921,561$1,103,211
55$1,206,200$973,908$912,421$1,139,480
56$1,287,960$980,357$901,714$1,178,002
57$1,376,759$985,822$889,349$1,219,003
58$1,473,275$990,213$875,228$1,262,733
59$1,578,252$993,437$859,252$1,309,468
60$1,692,509$995,391$841,313$1,359,517
61$1,816,950$995,970$821,301$1,413,220
62$1,952,565$995,058$799,101$1,470,955
63$2,100,446$992,537$774,591$1,533,142
64$2,261,797$988,276$747,644$1,600,244
65$2,437,939$982,140$718,129$1,672,775
66$2,630,329$973,985$685,906$1,751,307
67$2,840,569$963,657$650,831$1,836,469
68$3,070,426$950,995$612,753$1,928,962
69$3,321,842$935,826$571,512$2,029,558
70$3,596,956$917,968$526,945$2,139,115
71$3,898,125$897,228$478,877$2,258,582
72$4,227,943$873,401$427,128$2,389,007
73$4,589,267$846,272$371,511$2,531,554
74$4,985,244$815,611$311,828$2,687,505
75$5,419,338$781,175$247,874$2,858,285
76$5,895,366$742,708$179,433$3,045,463
77$6,417,532$699,939$106,282$3,250,781
78$6,990,464$652,580$28,187$3,476,159
79$7,619,264$600,329$0$3,723,724
80$8,309,549$542,865$0$4,004,065
81$9,067,505$479,848$0$4,316,570
82$9,899,950$410,920$0$4,659,933
83$10,814,393$335,703$0$5,037,368
84$11,819,105$253,796$0$5,452,425
85$12,923,199$164,778$0$5,909,020
86$14,136,716$68,202$0$6,411,479
87$15,470,715$0$0$6,964,577
88$16,937,381$0$0$7,591,609
89$18,550,140$0$0$8,318,363
90$20,323,782$0$0$9,117,747
91$22,274,604$0$0$9,997,122
92$24,420,560$0$0$10,964,597
93$26,781,433$0$0$12,029,110
94$29,379,019$0$0$13,200,507
95$32,237,335$0$0$14,489,635
96$35,382,841$0$0$15,908,448
97$38,844,693$0$0$17,470,118
98$42,655,017$0$0$19,189,157
99$46,849,212$0$0$21,081,557
100$51,466,281$0$0$23,164,937