Can I retire at age 52 with 904,000?

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 $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%16.4%
1 years$74,651$73,987$73,338$72,705$72,086$70,201
2 years$36,956$36,268$35,601$34,954$34,327$32,440
3 years$24,393$23,701$23,036$22,395$21,778$19,950
4 years$18,112$17,423$16,764$16,135$15,532$13,776
5 years$14,345$13,660$13,010$12,393$11,808$10,127
6 years$11,834$11,154$10,514$9,911$9,343$7,741
7 years$10,042$9,367$8,737$8,148$7,598$6,075
8 years$8,698$8,030$7,410$6,835$6,304$4,858
9 years$7,653$6,991$6,382$5,822$5,308$3,939
10 years$6,818$6,162$5,564$5,019$4,523$3,229
11 years$6,135$5,486$4,898$4,368$3,890$2,668
12 years$5,566$4,924$4,347$3,831$3,371$2,220
13 years$5,085$4,450$3,884$3,382$2,940$1,857
14 years$4,673$4,045$3,490$3,002$2,577$1,560
15 years$4,317$3,695$3,151$2,678$2,269$1,315
16 years$4,005$3,390$2,857$2,398$2,005$1,112
17 years$3,730$3,122$2,599$2,154$1,778$942
18 years$3,486$2,885$2,373$1,941$1,581$800
19 years$3,268$2,674$2,172$1,754$1,409$681
20 years$3,072$2,485$1,994$1,589$1,259$580
21 years$2,895$2,314$1,834$1,442$1,126$495
22 years$2,735$2,160$1,690$1,311$1,010$423
23 years$2,588$2,021$1,561$1,194$906$361
24 years$2,454$1,893$1,443$1,089$815$309
25 years$2,331$1,777$1,337$995$733$264
26 years$2,217$1,670$1,240$909$660$226
27 years$2,112$1,571$1,151$832$595$194
28 years$2,015$1,481$1,070$763$537$166
29 years$1,924$1,397$996$699$485$143
30 years$1,840$1,319$928$642$438$122
31 years$1,762$1,247$865$589$396$105
32 years$1,688$1,180$807$542$358$90
33 years$1,619$1,117$753$498$324$77
34 years$1,554$1,059$704$458$294$66
35 years$1,493$1,005$658$422$266$57
36 years$1,436$953$616$389$241$49
37 years$1,382$906$576$358$218$42
38 years$1,330$861$540$330$198$36
39 years$1,282$818$506$304$180$31
40 years$1,236$779$474$281$163$27
41 years$1,192$741$444$259$148$23
42 years$1,151$706$417$239$134$20
43 years$1,112$673$391$221$122$17
44 years$1,074$641$367$204$110$14
45 years$1,038$611$345$188$100$12
46 years$1,004$583$324$174$91$11
47 years$972$557$304$161$83$9
48 years$941$531$286$148$75$8
49 years$911$507$269$137$68$7
50 years$883$485$253$127$62$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $904,000, adding $4,291 every year, while hoping to spend $26,044 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: 57/27/16 Blend
51$904,000$904,000$904,000$904,000
52$1,000,634$952,722$938,710$1,053,263
53$1,074,988$971,695$942,446$1,108,425
54$1,156,054$990,724$945,435$1,165,297
55$1,244,487$1,009,786$947,623$1,226,675
56$1,341,012$1,028,853$948,956$1,292,998
57$1,446,425$1,047,896$949,375$1,364,749
58$1,561,601$1,066,884$948,820$1,442,458
59$1,687,507$1,085,784$947,228$1,526,712
60$1,825,203$1,104,557$944,530$1,618,156
61$1,975,859$1,123,167$940,658$1,717,503
62$2,140,764$1,141,569$935,537$1,825,538
63$2,321,336$1,159,719$929,091$1,943,125
64$2,519,135$1,177,569$921,239$2,071,219
65$2,735,882$1,195,065$911,896$2,210,871
66$2,973,471$1,212,152$900,973$2,363,241
67$3,233,987$1,228,770$888,378$2,529,606
68$3,519,729$1,244,855$874,014$2,711,375
69$3,833,226$1,260,337$857,778$2,910,103
70$4,177,267$1,275,145$839,565$3,127,501
71$4,554,921$1,289,200$819,263$3,365,457
72$4,969,570$1,302,418$796,756$3,626,054
73$5,424,939$1,314,710$771,920$3,911,585
74$5,925,133$1,325,981$744,630$4,224,581
75$6,474,673$1,336,130$714,751$4,567,831
76$7,078,539$1,345,050$682,145$4,944,410
77$7,742,218$1,352,625$646,665$5,357,709
78$8,471,754$1,358,734$608,158$5,811,464
79$9,273,808$1,363,247$566,467$6,309,796
80$10,155,717$1,366,026$521,423$6,857,246
81$11,125,564$1,366,925$472,854$7,458,824
82$12,192,254$1,365,788$420,578$8,120,048
83$13,365,602$1,362,449$364,405$8,847,005
84$14,656,417$1,356,733$304,137$9,646,403
85$16,076,613$1,348,454$239,567$10,525,638
86$17,639,314$1,337,415$170,479$11,492,862
87$19,358,982$1,323,406$96,647$12,557,064
88$21,251,550$1,306,204$17,837$13,728,150
89$23,334,575$1,285,576$0$15,017,041
90$25,627,403$1,261,270$0$16,447,089
91$28,151,349$1,233,024$0$18,024,237
92$30,929,902$1,200,557$0$19,760,110
93$33,988,941$1,163,573$0$21,670,880
94$37,356,984$1,121,759$0$23,774,372
95$41,065,454$1,074,783$0$26,090,230
96$45,148,977$1,022,294$0$28,640,103
97$49,645,707$963,921$0$31,447,852
98$54,597,687$899,271$0$34,539,775
99$60,051,244$827,928$0$37,944,854
100$66,057,429$749,455$0$41,695,031