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%18.3%
1 years$74,734$74,068$73,419$72,785$72,166$69,744
2 years$36,997$36,308$35,640$34,993$34,365$31,949
3 years$24,420$23,728$23,062$22,420$21,802$19,468
4 years$18,132$17,442$16,783$16,152$15,550$13,315
5 years$14,361$13,675$13,024$12,407$11,821$9,691
6 years$11,847$11,167$10,526$9,922$9,353$7,331
7 years$10,053$9,378$8,747$8,157$7,607$5,691
8 years$8,707$8,038$7,418$6,843$6,310$4,500
9 years$7,661$6,999$6,389$5,829$5,314$3,607
10 years$6,825$6,169$5,570$5,024$4,528$2,922
11 years$6,141$5,492$4,904$4,373$3,894$2,385
12 years$5,572$4,929$4,352$3,835$3,375$1,960
13 years$5,091$4,455$3,888$3,386$2,943$1,618
14 years$4,678$4,049$3,494$3,006$2,580$1,341
15 years$4,322$3,699$3,154$2,681$2,271$1,116
16 years$4,009$3,394$2,860$2,400$2,007$931
17 years$3,734$3,126$2,602$2,157$1,780$778
18 years$3,490$2,888$2,376$1,944$1,583$651
19 years$3,272$2,677$2,175$1,756$1,411$546
20 years$3,076$2,487$1,996$1,591$1,260$459
21 years$2,899$2,317$1,836$1,443$1,128$386
22 years$2,738$2,163$1,692$1,312$1,011$324
23 years$2,591$2,023$1,562$1,195$907$273
24 years$2,457$1,895$1,445$1,090$815$230
25 years$2,333$1,779$1,338$996$734$194
26 years$2,220$1,672$1,241$910$661$164
27 years$2,114$1,573$1,152$833$596$138
28 years$2,017$1,482$1,071$763$538$117
29 years$1,927$1,398$997$700$486$98
30 years$1,842$1,321$929$643$439$83
31 years$1,763$1,248$866$590$397$70
32 years$1,690$1,181$808$542$359$59
33 years$1,621$1,119$754$499$325$50
34 years$1,556$1,060$705$459$294$42
35 years$1,495$1,006$659$422$266$36
36 years$1,437$955$616$389$241$30
37 years$1,383$907$577$358$219$25
38 years$1,332$862$540$330$198$22
39 years$1,283$819$506$305$180$18
40 years$1,237$779$474$281$163$15
41 years$1,194$742$445$259$148$13
42 years$1,152$707$417$239$134$11
43 years$1,113$673$392$221$122$9
44 years$1,075$642$368$204$111$8
45 years$1,040$612$345$188$100$7
46 years$1,005$584$324$174$91$6
47 years$973$557$305$161$83$5
48 years$942$532$286$149$75$4
49 years$912$508$269$137$68$3
50 years$884$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 $905,000, adding $4,725 every year, while hoping to spend $47,544 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: 51/27/22 Blend
51$905,000$905,000$905,000$905,000
52$1,002,184$954,219$940,191$1,046,928
53$1,053,820$950,389$921,101$1,074,551
54$1,109,130$944,778$899,778$1,099,315
55$1,168,438$937,249$876,097$1,125,249
56$1,232,099$927,655$849,927$1,152,484
57$1,300,505$915,842$821,132$1,181,164
58$1,374,085$901,647$789,568$1,211,451
59$1,453,309$884,895$755,086$1,243,526
60$1,538,695$865,403$717,530$1,277,594
61$1,630,810$842,976$676,735$1,313,881
62$1,730,278$817,407$632,532$1,352,641
63$1,837,786$788,480$584,741$1,394,156
64$1,954,087$755,962$533,176$1,438,743
65$2,080,009$719,609$477,643$1,486,753
66$2,216,464$679,163$417,937$1,538,581
67$2,364,451$634,351$353,847$1,594,661
68$2,525,074$584,883$285,149$1,655,483
69$2,699,543$530,453$211,613$1,721,586
70$2,889,190$470,740$132,996$1,793,574
71$3,095,482$405,400$49,046$1,872,116
72$3,320,031$334,074$0$1,957,957
73$3,564,611$256,381$0$2,061,441
74$3,831,175$171,918$0$2,186,875
75$4,121,873$80,259$0$2,323,819
76$4,439,069$0$0$2,473,476
77$4,785,367$0$0$2,642,833
78$5,163,633$0$0$2,853,957
79$5,577,023$0$0$3,084,775
80$6,029,009$0$0$3,337,237
81$6,523,416$0$0$3,613,491
82$7,064,456$0$0$3,915,903
83$7,656,765$0$0$4,247,077
84$8,305,448$0$0$4,609,881
85$9,016,130$0$0$5,007,473
86$9,795,003$0$0$5,443,332
87$10,648,886$0$0$5,921,289
88$11,585,291$0$0$6,445,564
89$12,612,491$0$0$7,020,805
90$13,739,599$0$0$7,652,131
91$14,976,653$0$0$8,345,180
92$16,334,707$0$0$9,106,166
93$17,825,941$0$0$9,941,931
94$19,463,773$0$0$10,860,011
95$21,262,979$0$0$11,868,712
96$23,239,843$0$0$12,977,182
97$25,412,300$0$0$14,195,498
98$27,800,110$0$0$15,534,763
99$30,425,044$0$0$17,007,210
100$33,311,084$0$0$18,626,316