Can I retire at age 52 with 903,000?

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 $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%17.5%
1 years$74,569$73,905$73,257$72,624$72,006$69,813
2 years$36,915$36,228$35,561$34,915$34,289$32,098
3 years$24,366$23,675$23,011$22,371$21,754$19,635
4 years$18,092$17,404$16,746$16,117$15,515$13,483
5 years$14,329$13,645$12,995$12,379$11,794$9,855
6 years$11,821$11,142$10,502$9,900$9,333$7,488
7 years$10,030$9,357$8,727$8,139$7,590$5,840
8 years$8,688$8,021$7,402$6,828$6,297$4,640
9 years$7,644$6,983$6,375$5,816$5,303$3,737
10 years$6,810$6,156$5,558$5,013$4,518$3,042
11 years$6,128$5,480$4,893$4,363$3,886$2,496
12 years$5,560$4,919$4,342$3,827$3,367$2,062
13 years$5,080$4,445$3,880$3,379$2,936$1,712
14 years$4,668$4,040$3,486$2,999$2,574$1,427
15 years$4,312$3,691$3,147$2,675$2,266$1,194
16 years$4,001$3,386$2,854$2,395$2,003$1,001
17 years$3,726$3,119$2,597$2,152$1,776$842
18 years$3,483$2,882$2,370$1,939$1,579$709
19 years$3,265$2,671$2,170$1,752$1,408$598
20 years$3,069$2,482$1,991$1,587$1,257$506
21 years$2,892$2,312$1,832$1,440$1,125$428
22 years$2,732$2,158$1,688$1,310$1,008$362
23 years$2,585$2,018$1,559$1,193$905$307
24 years$2,451$1,891$1,442$1,088$814$260
25 years$2,328$1,775$1,335$993$732$221
26 years$2,215$1,668$1,238$908$660$187
27 years$2,110$1,570$1,150$831$595$159
28 years$2,013$1,479$1,069$762$537$135
29 years$1,922$1,395$995$699$484$115
30 years$1,838$1,318$927$641$438$98
31 years$1,760$1,246$864$589$396$83
32 years$1,686$1,179$806$541$358$71
33 years$1,617$1,116$753$498$324$60
34 years$1,552$1,058$703$458$293$51
35 years$1,492$1,003$657$421$266$43
36 years$1,434$952$615$388$241$37
37 years$1,380$905$576$358$218$31
38 years$1,329$860$539$330$198$27
39 years$1,280$817$505$304$179$23
40 years$1,235$778$473$280$163$19
41 years$1,191$740$444$259$148$16
42 years$1,150$705$416$239$134$14
43 years$1,110$672$391$220$122$12
44 years$1,073$640$367$203$110$10
45 years$1,037$611$344$188$100$9
46 years$1,003$583$323$174$91$7
47 years$971$556$304$160$83$6
48 years$940$531$286$148$75$5
49 years$910$507$268$137$68$5
50 years$882$484$252$127$62$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $903,000, adding $2,333 every year, while hoping to spend $28,623 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: 47/47/6 Blend
51$903,000$903,000$903,000$903,000
52$997,512$949,653$935,657$1,042,704
53$1,068,804$965,732$936,547$1,090,009
54$1,146,408$981,639$936,507$1,138,113
55$1,230,938$997,336$935,477$1,189,642
56$1,323,070$1,012,781$933,391$1,244,921
57$1,423,546$1,027,930$930,182$1,304,308
58$1,533,184$1,042,735$925,780$1,368,200
59$1,652,886$1,057,146$920,111$1,437,034
60$1,783,641$1,071,107$913,096$1,511,290
61$1,926,542$1,084,561$904,653$1,591,500
62$2,082,789$1,097,444$894,699$1,678,251
63$2,253,705$1,109,690$883,143$1,772,189
64$2,440,746$1,121,228$869,892$1,874,028
65$2,645,516$1,131,983$854,847$1,984,554
66$2,869,781$1,141,872$837,907$2,104,636
67$3,115,485$1,150,810$818,963$2,235,233
68$3,384,770$1,158,705$797,904$2,377,402
69$3,679,995$1,165,460$774,612$2,532,308
70$4,003,757$1,170,970$748,963$2,701,238
71$4,358,917$1,175,124$720,831$2,885,612
72$4,748,627$1,177,806$690,079$3,086,996
73$5,176,358$1,178,889$656,567$3,307,117
74$5,645,933$1,178,242$620,150$3,547,882
75$6,161,566$1,175,723$580,672$3,811,393
76$6,727,895$1,171,183$537,974$4,099,970
77$7,350,032$1,164,463$491,888$4,416,171
78$8,033,607$1,155,393$442,238$4,762,819
79$8,784,824$1,143,797$388,842$5,143,028
80$9,610,517$1,129,483$331,509$5,560,232
81$10,518,214$1,112,252$270,038$6,018,219
82$11,516,209$1,091,891$204,223$6,521,168
83$12,613,643$1,068,173$133,844$7,073,687
84$13,820,582$1,040,861$58,675$7,680,859
85$15,148,119$1,009,702$0$8,348,292
86$16,608,478$974,427$0$9,083,547
87$18,215,123$934,755$0$9,896,162
88$19,982,893$890,385$0$10,789,915
89$21,928,134$841,000$0$11,773,116
90$24,068,860$786,266$0$12,854,931
91$26,424,919$725,827$0$14,045,463
92$29,018,177$659,310$0$15,355,854
93$31,872,733$586,317$0$16,798,390
94$35,015,136$506,431$0$18,386,617
95$38,474,643$419,209$0$20,135,468
96$42,283,490$324,184$0$22,061,411
97$46,477,200$220,863$0$24,182,600
98$51,094,912$108,724$0$26,519,052
99$56,179,759$0$0$29,092,833
100$61,779,264$0$0$31,934,884