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%19%
1 years$74,569$73,905$73,257$72,624$72,006$69,396
2 years$36,915$36,228$35,561$34,915$34,289$31,688
3 years$24,366$23,675$23,011$22,371$21,754$19,244
4 years$18,092$17,404$16,746$16,117$15,515$13,115
5 years$14,329$13,645$12,995$12,379$11,794$9,511
6 years$11,821$11,142$10,502$9,900$9,333$7,167
7 years$10,030$9,357$8,727$8,139$7,590$5,542
8 years$8,688$8,021$7,402$6,828$6,297$4,364
9 years$7,644$6,983$6,375$5,816$5,303$3,483
10 years$6,810$6,156$5,558$5,013$4,518$2,809
11 years$6,128$5,480$4,893$4,363$3,886$2,283
12 years$5,560$4,919$4,342$3,827$3,367$1,866
13 years$5,080$4,445$3,880$3,379$2,936$1,534
14 years$4,668$4,040$3,486$2,999$2,574$1,265
15 years$4,312$3,691$3,147$2,675$2,266$1,047
16 years$4,001$3,386$2,854$2,395$2,003$869
17 years$3,726$3,119$2,597$2,152$1,776$723
18 years$3,483$2,882$2,370$1,939$1,579$602
19 years$3,265$2,671$2,170$1,752$1,408$502
20 years$3,069$2,482$1,991$1,587$1,257$420
21 years$2,892$2,312$1,832$1,440$1,125$351
22 years$2,732$2,158$1,688$1,310$1,008$294
23 years$2,585$2,018$1,559$1,193$905$246
24 years$2,451$1,891$1,442$1,088$814$206
25 years$2,328$1,775$1,335$993$732$173
26 years$2,215$1,668$1,238$908$660$145
27 years$2,110$1,570$1,150$831$595$121
28 years$2,013$1,479$1,069$762$537$102
29 years$1,922$1,395$995$699$484$86
30 years$1,838$1,318$927$641$438$72
31 years$1,760$1,246$864$589$396$60
32 years$1,686$1,179$806$541$358$51
33 years$1,617$1,116$753$498$324$43
34 years$1,552$1,058$703$458$293$36
35 years$1,492$1,003$657$421$266$30
36 years$1,434$952$615$388$241$25
37 years$1,380$905$576$358$218$21
38 years$1,329$860$539$330$198$18
39 years$1,280$817$505$304$179$15
40 years$1,235$778$473$280$163$13
41 years$1,191$740$444$259$148$11
42 years$1,150$705$416$239$134$9
43 years$1,110$672$391$220$122$7
44 years$1,073$640$367$203$110$6
45 years$1,037$611$344$188$100$5
46 years$1,003$583$323$174$91$4
47 years$971$556$304$160$83$4
48 years$940$531$286$148$75$3
49 years$910$507$268$137$68$3
50 years$882$484$252$127$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $903,000, adding $2,585 every year, while hoping to spend $49,142 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: 43/45/12 Blend
51$903,000$903,000$903,000$903,000
52$997,772$949,913$935,917$1,037,097
53$1,047,259$944,172$914,983$1,059,083
54$1,100,145$936,503$891,702$1,077,752
55$1,156,727$926,759$865,941$1,096,888
56$1,217,328$914,785$837,565$1,116,555
57$1,282,303$900,417$806,431$1,136,827
58$1,352,041$883,480$772,389$1,157,786
59$1,426,968$863,790$735,283$1,179,529
60$1,507,555$841,151$694,951$1,202,166
61$1,594,314$815,357$651,221$1,225,822
62$1,687,813$786,188$603,915$1,250,638
63$1,788,671$753,412$552,847$1,276,778
64$1,897,570$716,784$497,823$1,304,424
65$2,015,261$676,045$438,638$1,333,783
66$2,142,566$630,920$375,081$1,365,092
67$2,280,392$581,119$306,930$1,398,613
68$2,429,733$526,335$233,954$1,434,647
69$2,591,684$466,244$155,910$1,473,528
70$2,767,449$400,503$72,546$1,515,633
71$2,958,352$328,751$0$1,561,388
72$3,165,848$250,604$0$1,613,368
73$3,391,540$165,659$0$1,680,056
74$3,637,190$73,489$0$1,752,785
75$3,904,738$0$0$1,832,262
76$4,196,316$0$0$1,932,325
77$4,514,275$0$0$2,081,224
78$4,861,198$0$0$2,243,793
79$5,239,930$0$0$2,421,378
80$5,653,605$0$0$2,615,461
81$6,105,669$0$0$2,827,674
82$6,599,919$0$0$3,059,814
83$7,140,534$0$0$3,313,859
84$7,732,115$0$0$3,591,989
85$8,379,730$0$0$3,896,601
86$9,088,958$0$0$4,230,338
87$9,865,944$0$0$4,596,109
88$10,717,455$0$0$4,997,119
89$11,650,943$0$0$5,436,896
90$12,674,617$0$0$5,919,327
91$13,797,517$0$0$6,448,694
92$15,029,600$0$0$7,029,713
93$16,381,835$0$0$7,667,579
94$17,866,303$0$0$8,368,012
95$19,496,313$0$0$9,137,318
96$21,286,525$0$0$9,982,440
97$23,253,088$0$0$10,911,028
98$25,413,795$0$0$11,931,508
99$27,788,243$0$0$13,053,165
100$30,398,025$0$0$14,286,227