Can I retire at age 52 with 906,000?

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 $906,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$74,817$74,150$73,500$72,865$72,246$69,682
2 years$37,038$36,348$35,680$35,031$34,403$31,848
3 years$24,447$23,754$23,087$22,445$21,826$19,360
4 years$18,152$17,462$16,801$16,170$15,567$13,207
5 years$14,377$13,690$13,039$12,420$11,834$9,588
6 years$11,860$11,179$10,537$9,933$9,364$7,233
7 years$10,064$9,388$8,756$8,166$7,615$5,599
8 years$8,717$8,047$7,426$6,850$6,317$4,414
9 years$7,670$7,007$6,396$5,835$5,320$3,528
10 years$6,833$6,176$5,576$5,030$4,533$2,848
11 years$6,148$5,498$4,909$4,377$3,899$2,318
12 years$5,578$4,935$4,357$3,840$3,378$1,898
13 years$5,096$4,460$3,893$3,390$2,946$1,562
14 years$4,684$4,054$3,497$3,009$2,583$1,290
15 years$4,326$3,703$3,158$2,684$2,274$1,069
16 years$4,014$3,398$2,863$2,403$2,010$889
17 years$3,739$3,129$2,605$2,159$1,782$740
18 years$3,494$2,891$2,378$1,946$1,584$617
19 years$3,276$2,680$2,177$1,758$1,412$516
20 years$3,079$2,490$1,998$1,592$1,261$432
21 years$2,902$2,319$1,838$1,445$1,129$361
22 years$2,741$2,165$1,694$1,314$1,012$303
23 years$2,594$2,025$1,564$1,197$908$254
24 years$2,459$1,897$1,446$1,091$816$213
25 years$2,336$1,780$1,340$997$735$179
26 years$2,222$1,673$1,242$911$662$150
27 years$2,117$1,575$1,154$834$597$126
28 years$2,019$1,484$1,073$764$538$106
29 years$1,929$1,400$998$701$486$89
30 years$1,844$1,322$930$643$439$75
31 years$1,765$1,250$867$591$397$63
32 years$1,692$1,183$809$543$359$53
33 years$1,623$1,120$755$499$325$45
34 years$1,558$1,061$705$459$294$38
35 years$1,496$1,007$660$423$267$32
36 years$1,439$956$617$389$242$27
37 years$1,385$908$578$359$219$22
38 years$1,333$863$541$331$198$19
39 years$1,285$820$507$305$180$16
40 years$1,239$780$475$281$163$13
41 years$1,195$743$445$260$148$11
42 years$1,153$707$418$239$134$9
43 years$1,114$674$392$221$122$8
44 years$1,076$642$368$204$111$7
45 years$1,041$613$345$189$100$6
46 years$1,007$584$324$174$91$5
47 years$974$558$305$161$83$4
48 years$943$532$286$149$75$3
49 years$913$508$269$137$68$3
50 years$885$486$253$127$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $906,000, adding $3,579 every year, while hoping to spend $28,656 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: 32/47/21 Blend
51$906,000$906,000$906,000$906,000
52$1,002,104$954,086$940,043$1,027,565
53$1,073,829$970,346$941,044$1,063,236
54$1,151,909$986,443$941,119$1,098,783
55$1,236,963$1,002,338$940,206$1,136,477
56$1,329,670$1,017,990$938,240$1,176,523
57$1,430,780$1,033,354$935,154$1,219,150
58$1,541,115$1,048,384$930,878$1,264,609
59$1,661,583$1,063,030$925,336$1,313,179
60$1,793,182$1,077,236$918,453$1,365,169
61$1,937,011$1,090,944$910,145$1,420,919
62$2,094,279$1,104,094$900,328$1,480,808
63$2,266,320$1,116,618$888,913$1,545,253
64$2,454,598$1,128,446$875,806$1,614,717
65$2,660,730$1,139,503$860,908$1,689,710
66$2,886,494$1,149,709$844,118$1,770,799
67$3,133,849$1,158,977$825,328$1,858,607
68$3,404,951$1,167,216$804,426$1,953,828
69$3,702,177$1,174,330$781,295$2,057,224
70$4,028,141$1,180,215$755,811$2,169,642
71$4,385,727$1,184,761$727,847$2,292,015
72$4,778,109$1,187,852$697,266$2,425,376
73$5,208,782$1,189,362$663,931$2,570,867
74$5,681,597$1,189,161$627,692$2,729,749
75$6,200,798$1,187,108$588,398$2,903,414
76$6,771,057$1,183,053$545,887$3,093,405
77$7,397,522$1,176,841$499,992$3,301,420
78$8,085,866$1,168,302$450,537$3,529,341
79$8,842,334$1,157,259$397,341$3,779,243
80$9,673,812$1,143,524$340,211$4,053,419
81$10,587,881$1,126,897$278,949$4,354,402
82$11,592,897$1,107,167$213,345$4,684,989
83$12,698,063$1,084,109$143,183$5,048,267
84$13,913,521$1,057,486$68,235$5,447,646
85$15,250,444$1,027,046$0$5,886,892
86$16,721,142$992,524$0$6,372,793
87$18,339,178$953,638$0$6,923,793
88$20,119,497$910,089$0$7,529,708
89$22,078,565$861,563$0$8,196,190
90$24,234,525$807,725$0$8,929,471
91$26,607,366$748,224$0$9,736,428
92$29,219,117$682,686$0$10,624,642
93$32,094,047$610,718$0$11,602,477
94$35,258,899$531,902$0$12,679,160
95$38,743,140$445,799$0$13,864,863
96$42,579,241$351,944$0$15,170,807
97$46,802,980$249,845$0$16,609,366
98$51,453,781$138,984$0$18,194,186
99$56,575,085$18,814$0$19,940,317
100$62,214,763$0$0$21,864,352