Can I retire at age 52 with 906,000?

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 $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%11%
1 years$74,817$74,150$73,500$72,865$72,246$71,941
2 years$37,038$36,348$35,680$35,031$34,403$34,095
3 years$24,447$23,754$23,087$22,445$21,826$21,526
4 years$18,152$17,462$16,801$16,170$15,567$15,275
5 years$14,377$13,690$13,039$12,420$11,834$11,552
6 years$11,860$11,179$10,537$9,933$9,364$9,092
7 years$10,064$9,388$8,756$8,166$7,615$7,353
8 years$8,717$8,047$7,426$6,850$6,317$6,066
9 years$7,670$7,007$6,396$5,835$5,320$5,079
10 years$6,833$6,176$5,576$5,030$4,533$4,302
11 years$6,148$5,498$4,909$4,377$3,899$3,678
12 years$5,578$4,935$4,357$3,840$3,378$3,167
13 years$5,096$4,460$3,893$3,390$2,946$2,745
14 years$4,684$4,054$3,497$3,009$2,583$2,390
15 years$4,326$3,703$3,158$2,684$2,274$2,091
16 years$4,014$3,398$2,863$2,403$2,010$1,836
17 years$3,739$3,129$2,605$2,159$1,782$1,617
18 years$3,494$2,891$2,378$1,946$1,584$1,428
19 years$3,276$2,680$2,177$1,758$1,412$1,263
20 years$3,079$2,490$1,998$1,592$1,261$1,121
21 years$2,902$2,319$1,838$1,445$1,129$996
22 years$2,741$2,165$1,694$1,314$1,012$886
23 years$2,594$2,025$1,564$1,197$908$789
24 years$2,459$1,897$1,446$1,091$816$704
25 years$2,336$1,780$1,340$997$735$629
26 years$2,222$1,673$1,242$911$662$562
27 years$2,117$1,575$1,154$834$597$503
28 years$2,019$1,484$1,073$764$538$450
29 years$1,929$1,400$998$701$486$403
30 years$1,844$1,322$930$643$439$361
31 years$1,765$1,250$867$591$397$324
32 years$1,692$1,183$809$543$359$291
33 years$1,623$1,120$755$499$325$261
34 years$1,558$1,061$705$459$294$234
35 years$1,496$1,007$660$423$267$211
36 years$1,439$956$617$389$242$189
37 years$1,385$908$578$359$219$170
38 years$1,333$863$541$331$198$153
39 years$1,285$820$507$305$180$137
40 years$1,239$780$475$281$163$124
41 years$1,195$743$445$260$148$111
42 years$1,153$707$418$239$134$100
43 years$1,114$674$392$221$122$90
44 years$1,076$642$368$204$111$81
45 years$1,041$613$345$189$100$73
46 years$1,007$584$324$174$91$66
47 years$974$558$305$161$83$59
48 years$943$532$286$149$75$53
49 years$913$508$269$137$68$48
50 years$885$486$253$127$62$43

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $906,000, adding $4,140 every year, while hoping to spend $29,962 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: 66/20/14 Blend
51$906,000$906,000$906,000$906,000
52$1,002,682$954,664$940,621$1,065,309
53$1,073,077$969,564$940,253$1,122,538
54$1,149,647$984,189$938,868$1,181,179
55$1,232,992$998,495$936,401$1,244,526
56$1,323,769$1,012,433$932,782$1,313,039
57$1,422,703$1,025,952$927,940$1,387,222
58$1,530,592$1,038,997$921,800$1,467,633
59$1,648,313$1,051,509$914,280$1,554,886
60$1,776,832$1,063,424$905,300$1,649,660
61$1,917,213$1,074,675$894,771$1,752,701
62$2,070,625$1,085,190$882,602$1,864,831
63$2,238,357$1,094,893$868,698$1,986,959
64$2,421,829$1,103,702$852,959$2,120,084
65$2,622,602$1,111,531$835,280$2,265,311
66$2,842,398$1,118,286$815,552$2,423,855
67$3,083,110$1,123,869$793,660$2,597,056
68$3,346,824$1,128,175$769,484$2,786,393
69$3,635,838$1,131,094$742,900$2,993,495
70$3,952,682$1,132,506$713,776$3,220,159
71$4,300,142$1,132,286$681,974$3,468,366
72$4,681,289$1,130,300$647,353$3,740,299
73$5,099,503$1,126,407$609,761$4,038,366
74$5,558,506$1,120,455$569,043$4,365,222
75$6,062,403$1,112,286$525,034$4,723,791
76$6,615,710$1,101,730$477,565$5,117,302
77$7,223,405$1,088,608$426,456$5,549,310
78$7,890,971$1,072,728$371,520$6,023,737
79$8,624,448$1,053,890$312,565$6,544,906
80$9,430,490$1,031,879$249,384$7,117,581
81$10,316,429$1,006,471$181,768$7,747,018
82$11,290,341$977,424$109,493$8,439,008
83$12,361,123$944,485$32,329$9,199,936
84$13,538,579$907,386$0$10,036,840
85$14,833,509$865,842$0$10,964,954
86$16,257,813$819,554$0$11,990,996
87$17,824,601$768,204$0$13,119,604
88$19,548,319$711,454$0$14,361,211
89$21,444,882$648,951$0$15,727,319
90$23,531,829$580,318$0$17,230,605
91$25,828,480$505,158$0$18,885,038
92$28,356,126$423,052$0$20,706,015
93$31,138,227$333,557$0$22,710,504
94$34,200,629$236,205$0$24,917,208
95$37,571,815$130,501$0$27,346,737
96$41,283,168$15,923$0$30,021,807
97$45,369,268$0$0$32,967,454
98$49,868,219$0$0$36,235,056
99$54,822,010$0$0$39,836,941
100$60,276,904$0$0$43,803,254