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%19.3%
1 years$74,569$73,905$73,257$72,624$72,006$69,314
2 years$36,915$36,228$35,561$34,915$34,289$31,607
3 years$24,366$23,675$23,011$22,371$21,754$19,167
4 years$18,092$17,404$16,746$16,117$15,515$13,043
5 years$14,329$13,645$12,995$12,379$11,794$9,444
6 years$11,821$11,142$10,502$9,900$9,333$7,104
7 years$10,030$9,357$8,727$8,139$7,590$5,484
8 years$8,688$8,021$7,402$6,828$6,297$4,311
9 years$7,644$6,983$6,375$5,816$5,303$3,434
10 years$6,810$6,156$5,558$5,013$4,518$2,764
11 years$6,128$5,480$4,893$4,363$3,886$2,242
12 years$5,560$4,919$4,342$3,827$3,367$1,830
13 years$5,080$4,445$3,880$3,379$2,936$1,500
14 years$4,668$4,040$3,486$2,999$2,574$1,235
15 years$4,312$3,691$3,147$2,675$2,266$1,020
16 years$4,001$3,386$2,854$2,395$2,003$845
17 years$3,726$3,119$2,597$2,152$1,776$701
18 years$3,483$2,882$2,370$1,939$1,579$583
19 years$3,265$2,671$2,170$1,752$1,408$485
20 years$3,069$2,482$1,991$1,587$1,257$404
21 years$2,892$2,312$1,832$1,440$1,125$337
22 years$2,732$2,158$1,688$1,310$1,008$281
23 years$2,585$2,018$1,559$1,193$905$235
24 years$2,451$1,891$1,442$1,088$814$196
25 years$2,328$1,775$1,335$993$732$164
26 years$2,215$1,668$1,238$908$660$137
27 years$2,110$1,570$1,150$831$595$115
28 years$2,013$1,479$1,069$762$537$96
29 years$1,922$1,395$995$699$484$81
30 years$1,838$1,318$927$641$438$68
31 years$1,760$1,246$864$589$396$57
32 years$1,686$1,179$806$541$358$47
33 years$1,617$1,116$753$498$324$40
34 years$1,552$1,058$703$458$293$33
35 years$1,492$1,003$657$421$266$28
36 years$1,434$952$615$388$241$23
37 years$1,380$905$576$358$218$20
38 years$1,329$860$539$330$198$16
39 years$1,280$817$505$304$179$14
40 years$1,235$778$473$280$163$12
41 years$1,191$740$444$259$148$10
42 years$1,150$705$416$239$134$8
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$3
48 years$940$531$286$148$75$3
49 years$910$507$268$137$68$2
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 $4,006 every year, while hoping to spend $21,593 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: 24/50/26 Blend
51$903,000$903,000$903,000$903,000
52$999,238$951,379$937,383$1,014,923
53$1,078,186$975,022$945,810$1,052,032
54$1,164,462$999,100$953,796$1,089,666
55$1,258,792$1,023,610$961,304$1,129,531
56$1,361,974$1,048,552$968,292$1,171,825
57$1,474,886$1,073,922$974,721$1,216,768
58$1,598,496$1,099,716$980,545$1,264,601
59$1,733,869$1,125,928$985,720$1,315,592
60$1,882,178$1,152,553$990,196$1,370,035
61$2,044,716$1,179,584$993,923$1,428,254
62$2,222,905$1,207,011$996,847$1,490,606
63$2,418,312$1,234,826$998,913$1,557,487
64$2,632,664$1,263,017$1,000,061$1,629,330
65$2,867,862$1,291,571$1,000,229$1,706,616
66$3,126,001$1,320,474$999,353$1,789,873
67$3,409,386$1,349,711$997,365$1,879,686
68$3,720,560$1,379,263$994,193$1,976,697
69$4,062,321$1,409,111$989,762$2,081,617
70$4,437,752$1,439,232$983,994$2,195,229
71$4,850,252$1,469,603$976,807$2,318,396
72$5,303,562$1,500,198$968,114$2,452,071
73$5,801,804$1,530,987$957,825$2,597,306
74$6,349,522$1,561,939$945,846$2,755,259
75$6,951,719$1,593,020$932,078$2,927,211
76$7,613,909$1,624,192$916,416$3,114,570
77$8,342,164$1,655,414$898,753$3,318,895
78$9,143,179$1,686,643$878,975$3,541,900
79$10,024,325$1,717,831$856,963$3,785,479
80$10,993,728$1,748,926$832,593$4,051,721
81$12,060,337$1,779,873$805,734$4,342,928
82$13,234,016$1,810,611$776,250$4,661,642
83$14,525,631$1,841,077$744,001$5,010,665
84$15,947,156$1,871,200$708,835$5,393,086
85$17,511,784$1,900,907$670,599$5,812,315
86$19,234,051$1,930,116$629,129$6,272,110
87$21,129,976$1,958,744$584,257$6,776,617
88$23,217,208$1,986,696$535,803$7,330,409
89$25,515,194$2,013,875$483,584$7,938,528
90$28,045,365$2,040,176$427,405$8,606,534
91$30,831,333$2,065,486$367,064$9,340,559
92$33,899,118$2,089,684$302,350$10,147,365
93$37,277,392$2,112,642$233,042$11,034,409
94$40,997,747$2,134,222$158,910$12,009,911
95$45,094,997$2,154,279$79,714$13,082,940
96$49,607,505$2,172,657$0$14,263,491
97$54,577,541$2,189,188$0$15,563,921
98$60,051,689$2,203,697$0$17,018,735
99$66,081,278$2,215,995$0$18,619,275
100$72,722,871$2,225,881$0$20,380,393