Can I retire at age 52 with 903,000?

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 $903,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.7%
1 years$74,569$73,905$73,257$72,624$72,006$70,323
2 years$36,915$36,228$35,561$34,915$34,289$32,602
3 years$24,366$23,675$23,011$22,371$21,754$20,117
4 years$18,092$17,404$16,746$16,117$15,515$13,941
5 years$14,329$13,645$12,995$12,379$11,794$10,286
6 years$11,821$11,142$10,502$9,900$9,333$7,893
7 years$10,030$9,357$8,727$8,139$7,590$6,219
8 years$8,688$8,021$7,402$6,828$6,297$4,993
9 years$7,644$6,983$6,375$5,816$5,303$4,066
10 years$6,810$6,156$5,558$5,013$4,518$3,347
11 years$6,128$5,480$4,893$4,363$3,886$2,779
12 years$5,560$4,919$4,342$3,827$3,367$2,322
13 years$5,080$4,445$3,880$3,379$2,936$1,951
14 years$4,668$4,040$3,486$2,999$2,574$1,647
15 years$4,312$3,691$3,147$2,675$2,266$1,395
16 years$4,001$3,386$2,854$2,395$2,003$1,186
17 years$3,726$3,119$2,597$2,152$1,776$1,010
18 years$3,483$2,882$2,370$1,939$1,579$862
19 years$3,265$2,671$2,170$1,752$1,408$737
20 years$3,069$2,482$1,991$1,587$1,257$632
21 years$2,892$2,312$1,832$1,440$1,125$542
22 years$2,732$2,158$1,688$1,310$1,008$465
23 years$2,585$2,018$1,559$1,193$905$400
24 years$2,451$1,891$1,442$1,088$814$344
25 years$2,328$1,775$1,335$993$732$296
26 years$2,215$1,668$1,238$908$660$255
27 years$2,110$1,570$1,150$831$595$220
28 years$2,013$1,479$1,069$762$537$189
29 years$1,922$1,395$995$699$484$163
30 years$1,838$1,318$927$641$438$141
31 years$1,760$1,246$864$589$396$121
32 years$1,686$1,179$806$541$358$105
33 years$1,617$1,116$753$498$324$90
34 years$1,552$1,058$703$458$293$78
35 years$1,492$1,003$657$421$266$67
36 years$1,434$952$615$388$241$58
37 years$1,380$905$576$358$218$50
38 years$1,329$860$539$330$198$43
39 years$1,280$817$505$304$179$38
40 years$1,235$778$473$280$163$32
41 years$1,191$740$444$259$148$28
42 years$1,150$705$416$239$134$24
43 years$1,110$672$391$220$122$21
44 years$1,073$640$367$203$110$18
45 years$1,037$611$344$188$100$16
46 years$1,003$583$323$174$91$13
47 years$971$556$304$160$83$12
48 years$940$531$286$148$75$10
49 years$910$507$268$137$68$9
50 years$882$484$252$127$62$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $903,000, adding $2,529 every year, while hoping to spend $49,511 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: 31/44/25 Blend
51$903,000$903,000$903,000$903,000
52$997,715$949,856$935,859$1,020,897
53$1,046,802$943,719$914,531$1,032,726
54$1,099,237$935,623$890,829$1,040,880
55$1,155,309$925,418$864,622$1,048,659
56$1,215,335$912,947$835,770$1,056,064
57$1,279,662$898,045$804,132$1,063,098
58$1,348,671$880,533$769,554$1,069,772
59$1,422,782$860,226$731,881$1,076,102
60$1,502,454$836,925$690,947$1,082,111
61$1,588,190$810,420$646,579$1,087,831
62$1,680,545$780,490$598,599$1,093,300
63$1,780,126$746,899$546,818$1,098,571
64$1,887,602$709,400$491,039$1,103,706
65$2,003,706$667,729$431,057$1,108,782
66$2,129,245$621,609$366,659$1,113,891
67$2,265,106$570,746$297,620$1,119,142
68$2,412,263$514,829$223,706$1,124,665
69$2,571,787$453,529$144,674$1,130,611
70$2,744,858$386,500$60,269$1,137,157
71$2,932,770$313,375$0$1,144,508
72$3,136,949$233,767$0$1,160,852
73$3,358,963$147,267$0$1,196,182
74$3,600,538$53,443$0$1,234,796
75$3,863,569$0$0$1,277,130
76$4,150,148$0$0$1,346,994
77$4,462,570$0$0$1,451,494
78$4,803,367$0$0$1,565,617
79$5,175,322$0$0$1,690,312
80$5,581,499$0$0$1,826,623
81$6,025,273$0$0$1,975,701
82$6,510,358$0$0$2,138,812
83$7,040,841$0$0$2,317,351
84$7,621,227$0$0$2,512,852
85$8,256,472$0$0$2,727,007
86$8,952,036$0$0$2,961,678
87$9,713,928$0$0$3,218,915
88$10,548,771$0$0$3,500,978
89$11,463,855$0$0$3,810,354
90$12,467,208$0$0$4,149,783
91$13,567,676$0$0$4,522,283
92$14,775,000$0$0$4,931,179
93$16,099,908$0$0$5,380,132
94$17,554,220$0$0$5,873,177
95$19,150,953$0$0$6,414,756
96$20,904,448$0$0$7,009,766
97$22,830,503$0$0$7,663,599
98$24,946,520$0$0$8,382,197
99$27,271,671$0$0$9,172,104
100$29,827,076$0$0$10,040,531