Can I retire at age 52 with 905,000?

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 $905,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.1%
1 years$74,734$74,068$73,419$72,785$72,166$71,235
2 years$36,997$36,308$35,640$34,993$34,365$33,428
3 years$24,420$23,728$23,062$22,420$21,802$20,889
4 years$18,132$17,442$16,783$16,152$15,550$14,667
5 years$14,361$13,675$13,024$12,407$11,821$10,971
6 years$11,847$11,167$10,526$9,922$9,353$8,537
7 years$10,053$9,378$8,747$8,157$7,607$6,825
8 years$8,707$8,038$7,418$6,843$6,310$5,563
9 years$7,661$6,999$6,389$5,829$5,314$4,601
10 years$6,825$6,169$5,570$5,024$4,528$3,849
11 years$6,141$5,492$4,904$4,373$3,894$3,248
12 years$5,572$4,929$4,352$3,835$3,375$2,760
13 years$5,091$4,455$3,888$3,386$2,943$2,360
14 years$4,678$4,049$3,494$3,006$2,580$2,027
15 years$4,322$3,699$3,154$2,681$2,271$1,748
16 years$4,009$3,394$2,860$2,400$2,007$1,513
17 years$3,734$3,126$2,602$2,157$1,780$1,313
18 years$3,490$2,888$2,376$1,944$1,583$1,142
19 years$3,272$2,677$2,175$1,756$1,411$996
20 years$3,076$2,487$1,996$1,591$1,260$870
21 years$2,899$2,317$1,836$1,443$1,128$761
22 years$2,738$2,163$1,692$1,312$1,011$666
23 years$2,591$2,023$1,562$1,195$907$584
24 years$2,457$1,895$1,445$1,090$815$513
25 years$2,333$1,779$1,338$996$734$451
26 years$2,220$1,672$1,241$910$661$396
27 years$2,114$1,573$1,152$833$596$349
28 years$2,017$1,482$1,071$763$538$307
29 years$1,927$1,398$997$700$486$270
30 years$1,842$1,321$929$643$439$238
31 years$1,763$1,248$866$590$397$210
32 years$1,690$1,181$808$542$359$185
33 years$1,621$1,119$754$499$325$163
34 years$1,556$1,060$705$459$294$144
35 years$1,495$1,006$659$422$266$127
36 years$1,437$955$616$389$241$112
37 years$1,383$907$577$358$219$99
38 years$1,332$862$540$330$198$88
39 years$1,283$819$506$305$180$77
40 years$1,237$779$474$281$163$68
41 years$1,194$742$445$259$148$60
42 years$1,152$707$417$239$134$53
43 years$1,113$673$392$221$122$47
44 years$1,075$642$368$204$111$42
45 years$1,040$612$345$188$100$37
46 years$1,005$584$324$174$91$33
47 years$973$557$305$161$83$29
48 years$942$532$286$149$75$25
49 years$912$508$269$137$68$22
50 years$884$485$253$127$62$20

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $905,000, adding $2,983 every year, while hoping to spend $55,790 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: 46/49/5 Blend
51$905,000$905,000$905,000$905,000
52$1,000,387$952,422$938,394$1,044,939
53$1,043,066$939,731$910,471$1,063,140
54$1,088,229$924,547$879,741$1,076,778
55$1,136,070$906,691$846,054$1,090,250
56$1,186,801$885,971$809,249$1,103,559
57$1,240,654$862,183$769,158$1,116,708
58$1,297,883$835,113$725,608$1,129,708
59$1,358,767$804,533$678,415$1,142,572
60$1,423,608$770,202$627,389$1,155,322
61$1,492,740$731,866$572,330$1,167,985
62$1,566,527$689,255$513,031$1,180,596
63$1,645,368$642,084$449,273$1,193,201
64$1,729,701$590,052$380,829$1,205,854
65$1,820,007$532,840$307,462$1,218,624
66$1,916,810$470,112$228,925$1,231,591
67$2,020,689$401,512$144,959$1,244,853
68$2,132,278$326,664$55,293$1,258,523
69$2,252,270$245,171$0$1,272,735
70$2,381,431$156,613$0$1,289,801
71$2,520,598$60,549$0$1,311,036
72$2,670,693$0$0$1,333,712
73$2,832,726$0$0$1,381,541
74$3,007,810$0$0$1,468,580
75$3,197,166$0$0$1,562,800
76$3,402,138$0$0$1,664,880
77$3,624,200$0$0$1,775,566
78$3,864,976$0$0$1,895,680
79$4,126,252$0$0$2,026,124
80$4,409,989$0$0$2,167,891
81$4,718,349$0$0$2,322,074
82$5,053,704$0$0$2,489,876
83$5,418,670$0$0$2,672,618
84$5,816,121$0$0$2,871,756
85$6,249,221$0$0$3,088,891
86$6,721,453$0$0$3,325,788
87$7,236,650$0$0$3,584,386
88$7,799,029$0$0$3,866,820
89$8,413,234$0$0$4,175,444
90$9,084,378$0$0$4,512,844
91$9,818,087$0$0$4,881,871
92$10,620,559$0$0$5,285,664
93$11,498,615$0$0$5,727,678
94$12,459,767$0$0$6,211,717
95$13,512,289$0$0$6,741,973
96$14,665,289$0$0$7,323,060
97$15,928,799$0$0$7,960,060
98$17,313,868$0$0$8,658,571
99$18,832,665$0$0$9,424,757
100$20,498,592$0$0$10,265,408