Can I retire at age 52 with 902,000?

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 $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%11.1%
1 years$74,486$73,823$73,176$72,544$71,927$71,594
2 years$36,874$36,188$35,522$34,877$34,251$33,915
3 years$24,339$23,649$22,985$22,346$21,730$21,401
4 years$18,072$17,385$16,727$16,099$15,498$15,179
5 years$14,313$13,630$12,981$12,366$11,781$11,473
6 years$11,808$11,130$10,491$9,889$9,322$9,025
7 years$10,019$9,347$8,718$8,130$7,581$7,295
8 years$8,678$8,012$7,393$6,820$6,290$6,015
9 years$7,636$6,976$6,368$5,809$5,297$5,033
10 years$6,803$6,149$5,552$5,008$4,513$4,261
11 years$6,121$5,474$4,888$4,358$3,881$3,640
12 years$5,554$4,913$4,338$3,823$3,364$3,133
13 years$5,074$4,440$3,875$3,375$2,933$2,713
14 years$4,663$4,036$3,482$2,996$2,571$2,362
15 years$4,307$3,687$3,144$2,672$2,264$2,064
16 years$3,996$3,383$2,850$2,392$2,001$1,811
17 years$3,722$3,115$2,594$2,149$1,774$1,594
18 years$3,479$2,879$2,368$1,937$1,577$1,406
19 years$3,261$2,668$2,168$1,750$1,406$1,244
20 years$3,066$2,479$1,989$1,585$1,256$1,102
21 years$2,889$2,309$1,830$1,439$1,124$979
22 years$2,729$2,156$1,686$1,308$1,007$870
23 years$2,582$2,016$1,557$1,191$904$775
24 years$2,448$1,889$1,440$1,087$813$691
25 years$2,325$1,773$1,334$992$731$616
26 years$2,212$1,666$1,237$907$659$550
27 years$2,107$1,568$1,149$830$594$492
28 years$2,010$1,477$1,068$761$536$440
29 years$1,920$1,394$994$698$484$394
30 years$1,836$1,316$926$640$437$353
31 years$1,758$1,244$863$588$395$316
32 years$1,684$1,177$805$541$358$284
33 years$1,615$1,115$752$497$324$254
34 years$1,551$1,057$702$457$293$228
35 years$1,490$1,002$657$421$265$205
36 years$1,433$951$614$388$240$184
37 years$1,379$904$575$357$218$165
38 years$1,327$859$538$329$198$148
39 years$1,279$817$504$304$179$133
40 years$1,233$777$473$280$163$120
41 years$1,190$740$443$258$147$108
42 years$1,148$704$416$238$134$97
43 years$1,109$671$390$220$121$87
44 years$1,072$640$366$203$110$78
45 years$1,036$610$344$188$100$70
46 years$1,002$582$323$173$91$63
47 years$970$555$304$160$82$57
48 years$939$530$285$148$75$51
49 years$909$506$268$137$68$46
50 years$881$484$252$126$62$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $902,000, adding $3,536 every year, while hoping to spend $53,013 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: 65/22/13 Blend
51$902,000$902,000$902,000$902,000
52$997,651$949,845$935,864$1,059,264
53$1,043,006$939,982$910,810$1,091,000
54$1,091,211$927,859$883,140$1,119,158
55$1,142,499$913,310$852,711$1,148,599
56$1,197,129$896,156$819,371$1,179,446
57$1,255,381$876,213$782,965$1,211,837
58$1,317,563$853,280$743,327$1,245,924
59$1,384,012$827,149$700,287$1,281,877
60$1,455,100$797,598$653,665$1,319,888
61$1,531,231$764,390$603,273$1,360,166
62$1,612,850$727,279$548,916$1,402,948
63$1,700,445$686,000$490,389$1,448,494
64$1,794,552$640,276$427,479$1,497,095
65$1,895,759$589,812$359,962$1,549,076
66$2,004,711$534,298$287,606$1,604,796
67$2,122,117$473,404$210,166$1,664,653
68$2,248,756$406,784$127,390$1,729,091
69$2,385,483$334,070$39,011$1,798,604
70$2,533,237$254,874$0$1,873,737
71$2,693,053$168,788$0$1,962,770
72$2,866,064$75,379$0$2,064,976
73$3,053,519$0$0$2,175,729
74$3,256,791$0$0$2,302,147
75$3,477,389$0$0$2,459,194
76$3,716,973$0$0$2,629,811
77$3,977,368$0$0$2,815,303
78$4,260,583$0$0$3,017,109
79$4,568,829$0$0$3,236,811
80$4,904,535$0$0$3,476,149
81$5,270,380$0$0$3,737,038
82$5,669,305$0$0$4,021,588
83$6,104,554$0$0$4,332,117
84$6,579,693$0$0$4,671,181
85$7,098,649$0$0$5,041,591
86$7,665,746$0$0$5,446,442
87$8,285,741$0$0$5,889,143
88$8,963,876$0$0$6,373,444
89$9,705,920$0$0$6,903,477
90$10,518,226$0$0$7,483,793
91$11,407,790$0$0$8,119,399
92$12,382,315$0$0$8,815,814
93$13,450,287$0$0$9,579,112
94$14,621,048$0$0$10,415,985
95$15,904,889$0$0$11,333,803
96$17,313,147$0$0$12,340,683
97$18,858,304$0$0$13,445,567
98$20,554,113$0$0$14,658,301
99$22,415,720$0$0$15,989,736
100$24,459,811$0$0$17,451,819