Can I retire at age 52 with 904,000?

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 $904,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$74,651$73,987$73,338$72,705$72,086$69,639
2 years$36,956$36,268$35,601$34,954$34,327$31,886
3 years$24,393$23,701$23,036$22,395$21,778$19,421
4 years$18,112$17,423$16,764$16,135$15,532$13,276
5 years$14,345$13,660$13,010$12,393$11,808$9,658
6 years$11,834$11,154$10,514$9,911$9,343$7,302
7 years$10,042$9,367$8,737$8,148$7,598$5,665
8 years$8,698$8,030$7,410$6,835$6,304$4,477
9 years$7,653$6,991$6,382$5,822$5,308$3,587
10 years$6,818$6,162$5,564$5,019$4,523$2,903
11 years$6,135$5,486$4,898$4,368$3,890$2,368
12 years$5,566$4,924$4,347$3,831$3,371$1,945
13 years$5,085$4,450$3,884$3,382$2,940$1,604
14 years$4,673$4,045$3,490$3,002$2,577$1,329
15 years$4,317$3,695$3,151$2,678$2,269$1,105
16 years$4,005$3,390$2,857$2,398$2,005$921
17 years$3,730$3,122$2,599$2,154$1,778$769
18 years$3,486$2,885$2,373$1,941$1,581$644
19 years$3,268$2,674$2,172$1,754$1,409$539
20 years$3,072$2,485$1,994$1,589$1,259$453
21 years$2,895$2,314$1,834$1,442$1,126$380
22 years$2,735$2,160$1,690$1,311$1,010$320
23 years$2,588$2,021$1,561$1,194$906$269
24 years$2,454$1,893$1,443$1,089$815$226
25 years$2,331$1,777$1,337$995$733$191
26 years$2,217$1,670$1,240$909$660$161
27 years$2,112$1,571$1,151$832$595$135
28 years$2,015$1,481$1,070$763$537$114
29 years$1,924$1,397$996$699$485$96
30 years$1,840$1,319$928$642$438$81
31 years$1,762$1,247$865$589$396$69
32 years$1,688$1,180$807$542$358$58
33 years$1,619$1,117$753$498$324$49
34 years$1,554$1,059$704$458$294$41
35 years$1,493$1,005$658$422$266$35
36 years$1,436$953$616$389$241$29
37 years$1,382$906$576$358$218$25
38 years$1,330$861$540$330$198$21
39 years$1,282$818$506$304$180$18
40 years$1,236$779$474$281$163$15
41 years$1,192$741$444$259$148$13
42 years$1,151$706$417$239$134$11
43 years$1,112$673$391$221$122$9
44 years$1,074$641$367$204$110$8
45 years$1,038$611$345$188$100$6
46 years$1,004$583$324$174$91$5
47 years$972$557$304$161$83$5
48 years$941$531$286$148$75$4
49 years$911$507$269$137$68$3
50 years$883$485$253$127$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $904,000, adding $6,396 every year, while hoping to spend $33,504 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: 73/21/6 Blend
51$904,000$904,000$904,000$904,000
52$1,002,805$954,893$940,881$1,074,842
53$1,069,444$966,035$936,753$1,134,313
54$1,141,756$976,600$931,363$1,194,576
55$1,220,286$986,524$924,635$1,259,620
56$1,305,631$995,740$916,486$1,329,905
57$1,398,449$1,004,175$906,832$1,405,940
58$1,499,463$1,011,752$895,583$1,488,284
59$1,609,470$1,018,389$882,646$1,577,553
60$1,729,344$1,023,998$867,924$1,674,428
61$1,860,051$1,028,488$851,313$1,779,656
62$2,002,650$1,031,758$832,706$1,894,063
63$2,158,310$1,033,704$811,991$2,018,558
64$2,328,316$1,034,214$789,051$2,154,144
65$2,514,084$1,033,170$763,764$2,301,925
66$2,717,170$1,030,445$736,000$2,463,119
67$2,939,291$1,025,906$705,625$2,639,069
68$3,182,335$1,019,411$672,500$2,831,254
69$3,448,381$1,010,810$636,476$3,041,304
70$3,739,719$999,943$597,402$3,271,017
71$4,058,871$986,642$555,115$3,522,375
72$4,408,615$970,726$509,450$3,797,562
73$4,792,008$952,005$460,231$4,098,986
74$5,212,419$930,280$407,275$4,429,301
75$5,673,558$905,336$350,392$4,791,434
76$6,179,512$876,949$289,381$5,188,609
77$6,734,781$844,879$224,034$5,624,383
78$7,344,325$808,873$154,135$6,102,676
79$8,013,603$768,665$79,456$6,627,807
80$8,748,633$723,972$0$7,204,539
81$9,556,041$674,495$0$7,838,140
82$10,443,130$619,917$0$8,539,810
83$11,417,940$559,905$0$9,310,855
84$12,489,335$494,104$0$10,158,324
85$13,667,075$422,143$0$11,089,989
86$14,961,914$343,626$0$12,114,414
87$16,385,703$258,137$0$13,241,040
88$17,951,495$165,236$0$14,480,272
89$19,673,672$64,458$0$15,843,576
90$21,568,082$0$0$17,343,595
91$23,652,185$0$0$19,004,585
92$25,945,217$0$0$20,848,524
93$28,468,374$0$0$22,877,567
94$31,245,011$0$0$25,110,501
95$34,300,859$0$0$27,568,026
96$37,664,274$0$0$30,272,950
97$41,366,495$0$0$33,250,406
98$45,441,948$0$0$36,528,085
99$49,928,563$0$0$40,136,501
100$54,868,136$0$0$44,109,276