Can I retire at age 52 with 907,000?

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 $907,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.6%
1 years$74,899$74,232$73,581$72,946$72,325$71,540
2 years$37,079$36,388$35,719$35,070$34,441$33,650
3 years$24,474$23,780$23,113$22,470$21,851$21,079
4 years$18,172$17,481$16,820$16,188$15,584$14,838
5 years$14,393$13,705$13,053$12,434$11,847$11,128
6 years$11,873$11,191$10,549$9,944$9,374$8,683
7 years$10,075$9,398$8,766$8,175$7,624$6,961
8 years$8,726$8,056$7,434$6,858$6,324$5,690
9 years$7,678$7,014$6,403$5,841$5,326$4,720
10 years$6,840$6,183$5,582$5,035$4,538$3,960
11 years$6,155$5,504$4,915$4,382$3,903$3,352
12 years$5,584$4,940$4,362$3,844$3,382$2,858
13 years$5,102$4,465$3,897$3,394$2,949$2,451
14 years$4,689$4,058$3,501$3,012$2,585$2,113
15 years$4,331$3,707$3,161$2,687$2,276$1,828
16 years$4,018$3,401$2,866$2,406$2,012$1,588
17 years$3,743$3,132$2,608$2,161$1,784$1,383
18 years$3,498$2,895$2,381$1,948$1,586$1,207
19 years$3,279$2,683$2,180$1,760$1,414$1,056
20 years$3,083$2,493$2,000$1,594$1,263$926
21 years$2,905$2,322$1,840$1,447$1,130$813
22 years$2,744$2,167$1,696$1,315$1,013$715
23 years$2,597$2,027$1,566$1,198$909$629
24 years$2,462$1,899$1,448$1,093$817$555
25 years$2,338$1,782$1,341$998$735$489
26 years$2,224$1,675$1,244$912$662$432
27 years$2,119$1,577$1,155$835$597$381
28 years$2,022$1,486$1,074$765$539$337
29 years$1,931$1,401$999$702$487$298
30 years$1,846$1,324$931$644$440$264
31 years$1,767$1,251$868$591$398$234
32 years$1,694$1,184$810$544$360$207
33 years$1,624$1,121$756$500$325$183
34 years$1,559$1,063$706$460$295$162
35 years$1,498$1,008$660$423$267$144
36 years$1,441$957$618$390$242$128
37 years$1,386$909$578$359$219$113
38 years$1,335$863$541$331$199$100
39 years$1,286$821$507$305$180$89
40 years$1,240$781$475$282$163$79
41 years$1,196$744$446$260$148$70
42 years$1,155$708$418$240$135$62
43 years$1,115$675$392$221$122$55
44 years$1,078$643$368$204$111$49
45 years$1,042$613$346$189$101$43
46 years$1,008$585$325$174$91$39
47 years$975$558$305$161$83$34
48 years$944$533$287$149$75$30
49 years$914$509$270$138$68$27
50 years$886$486$253$127$62$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $907,000, adding $2,904 every year, while hoping to spend $47,134 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: 50/26/24 Blend
51$907,000$907,000$907,000$907,000
52$1,002,509$954,438$940,380$1,045,733
53$1,054,615$951,056$921,732$1,072,710
54$1,110,456$945,928$900,881$1,097,021
55$1,170,363$938,919$877,701$1,122,486
56$1,234,700$929,885$852,063$1,149,233
57$1,303,865$918,676$823,833$1,177,408
58$1,378,297$905,128$792,869$1,207,173
59$1,458,476$889,073$759,023$1,238,710
60$1,544,931$870,327$722,141$1,272,222
61$1,638,241$848,700$682,060$1,307,937
62$1,739,044$823,989$638,612$1,346,108
63$1,848,041$795,979$591,619$1,387,020
64$1,966,002$764,442$540,899$1,430,989
65$2,093,772$729,138$486,257$1,478,368
66$2,232,283$689,812$427,493$1,529,550
67$2,382,558$646,195$364,396$1,584,974
68$2,545,722$598,002$296,746$1,645,129
69$2,723,014$544,932$224,315$1,710,557
70$2,915,794$486,667$146,863$1,781,863
71$3,125,562$422,870$64,140$1,859,718
72$3,353,965$353,186$0$1,944,870
73$3,602,818$277,241$0$2,044,331
74$3,874,116$194,636$0$2,170,769
75$4,170,056$104,954$0$2,308,838
76$4,493,057$7,752$0$2,459,750
77$4,845,781$0$0$2,624,843
78$5,231,156$0$0$2,833,474
79$5,652,410$0$0$3,064,045
80$6,113,094$0$0$3,316,293
81$6,617,118$0$0$3,592,371
82$7,168,787$0$0$3,894,650
83$7,772,843$0$0$4,225,742
84$8,434,508$0$0$4,588,521
85$9,159,531$0$0$4,986,153
86$9,954,244$0$0$5,422,127
87$10,825,622$0$0$5,900,282
88$11,781,346$0$0$6,424,850
89$12,829,877$0$0$7,000,490
90$13,980,532$0$0$7,632,335
91$15,243,578$0$0$8,326,039
92$16,630,321$0$0$9,087,829
93$18,153,217$0$0$9,924,567
94$19,825,986$0$0$10,843,810
95$21,663,743$0$0$11,853,885
96$23,683,140$0$0$12,963,963
97$25,902,521$0$0$14,184,150
98$28,342,095$0$0$15,525,579
99$31,024,128$0$0$17,000,516
100$33,973,148$0$0$18,622,472