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%13.2%
1 years$74,817$74,150$73,500$72,865$72,246$71,284
2 years$37,038$36,348$35,680$35,031$34,403$33,435
3 years$24,447$23,754$23,087$22,445$21,826$20,883
4 years$18,152$17,462$16,801$16,170$15,567$14,655
5 years$14,377$13,690$13,039$12,420$11,834$10,957
6 years$11,860$11,179$10,537$9,933$9,364$8,522
7 years$10,064$9,388$8,756$8,166$7,615$6,809
8 years$8,717$8,047$7,426$6,850$6,317$5,547
9 years$7,670$7,007$6,396$5,835$5,320$4,585
10 years$6,833$6,176$5,576$5,030$4,533$3,833
11 years$6,148$5,498$4,909$4,377$3,899$3,232
12 years$5,578$4,935$4,357$3,840$3,378$2,745
13 years$5,096$4,460$3,893$3,390$2,946$2,345
14 years$4,684$4,054$3,497$3,009$2,583$2,013
15 years$4,326$3,703$3,158$2,684$2,274$1,735
16 years$4,014$3,398$2,863$2,403$2,010$1,501
17 years$3,739$3,129$2,605$2,159$1,782$1,301
18 years$3,494$2,891$2,378$1,946$1,584$1,131
19 years$3,276$2,680$2,177$1,758$1,412$986
20 years$3,079$2,490$1,998$1,592$1,261$860
21 years$2,902$2,319$1,838$1,445$1,129$752
22 years$2,741$2,165$1,694$1,314$1,012$658
23 years$2,594$2,025$1,564$1,197$908$577
24 years$2,459$1,897$1,446$1,091$816$506
25 years$2,336$1,780$1,340$997$735$444
26 years$2,222$1,673$1,242$911$662$390
27 years$2,117$1,575$1,154$834$597$343
28 years$2,019$1,484$1,073$764$538$302
29 years$1,929$1,400$998$701$486$266
30 years$1,844$1,322$930$643$439$234
31 years$1,765$1,250$867$591$397$206
32 years$1,692$1,183$809$543$359$181
33 years$1,623$1,120$755$499$325$160
34 years$1,558$1,061$705$459$294$141
35 years$1,496$1,007$660$423$267$124
36 years$1,439$956$617$389$242$110
37 years$1,385$908$578$359$219$97
38 years$1,333$863$541$331$198$85
39 years$1,285$820$507$305$180$75
40 years$1,239$780$475$281$163$66
41 years$1,195$743$445$260$148$59
42 years$1,153$707$418$239$134$52
43 years$1,114$674$392$221$122$46
44 years$1,076$642$368$204$111$40
45 years$1,041$613$345$189$100$36
46 years$1,007$584$324$174$91$31
47 years$974$558$305$161$83$28
48 years$943$532$286$149$75$25
49 years$913$508$269$137$68$22
50 years$885$486$253$127$62$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $906,000, adding $3,683 every year, while hoping to spend $25,174 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: 38/35/27 Blend
51$906,000$906,000$906,000$906,000
52$1,002,211$954,193$940,150$1,032,115
53$1,077,652$974,164$944,860$1,074,340
54$1,159,943$994,269$948,884$1,117,360
55$1,249,759$1,014,489$952,173$1,163,369
56$1,347,837$1,034,802$954,674$1,212,655
57$1,454,994$1,055,185$956,333$1,265,534
58$1,572,126$1,075,611$957,092$1,322,357
59$1,700,219$1,096,053$956,892$1,383,511
60$1,840,362$1,116,480$955,668$1,449,422
61$1,993,752$1,136,860$953,355$1,520,560
62$2,161,705$1,157,157$949,884$1,597,446
63$2,345,675$1,177,334$945,180$1,680,653
64$2,547,259$1,197,348$939,169$1,770,814
65$2,768,217$1,217,156$931,770$1,868,628
66$3,010,490$1,236,711$922,898$1,974,865
67$3,276,211$1,255,962$912,467$2,090,378
68$3,567,734$1,274,853$900,383$2,216,104
69$3,887,648$1,293,326$886,552$2,353,082
70$4,238,808$1,311,319$870,871$2,502,454
71$4,624,356$1,328,763$853,235$2,665,483
72$5,047,757$1,345,588$833,534$2,843,561
73$5,512,822$1,361,717$811,652$3,038,227
74$6,023,756$1,377,067$787,469$3,251,174
75$6,585,187$1,391,551$760,856$3,484,276
76$7,202,214$1,405,075$731,683$3,739,596
77$7,880,457$1,417,540$699,811$4,019,411
78$8,626,103$1,428,840$665,095$4,326,235
79$9,445,974$1,438,862$627,384$4,662,840
80$10,347,582$1,447,485$586,520$5,032,283
81$11,339,205$1,454,581$542,338$5,437,938
82$12,429,963$1,460,014$494,665$5,883,526
83$13,629,904$1,463,639$443,321$6,373,152
84$14,950,099$1,465,303$388,118$6,911,342
85$16,402,748$1,464,841$328,858$7,503,091
86$18,001,291$1,462,081$265,337$8,153,906
87$19,760,537$1,456,838$197,341$8,869,861
88$21,696,804$1,448,915$124,644$9,657,656
89$23,828,073$1,438,106$47,014$10,524,677
90$26,174,154$1,424,191$0$11,479,073
91$28,756,877$1,406,936$0$12,540,152
92$31,600,296$1,386,093$0$13,722,623
93$34,730,916$1,361,402$0$15,023,930
94$38,177,941$1,332,583$0$16,456,201
95$41,973,554$1,299,342$0$18,032,803
96$46,153,216$1,261,369$0$19,768,472
97$50,756,002$1,218,334$0$21,679,449
98$55,824,969$1,169,888$0$23,783,636
99$61,407,565$1,115,661$0$26,100,764
100$67,556,071$1,055,263$0$28,652,586