Can I retire at age 52 with 908,000?

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 $908,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$74,982$74,314$73,662$73,026$72,405$71,979
2 years$37,120$36,428$35,758$35,109$34,479$34,049
3 years$24,501$23,806$23,138$22,495$21,875$21,454
4 years$18,192$17,500$16,839$16,206$15,601$15,194
5 years$14,408$13,720$13,067$12,448$11,860$11,466
6 years$11,887$11,204$10,560$9,955$9,384$9,005
7 years$10,086$9,409$8,776$8,184$7,632$7,267
8 years$8,736$8,065$7,443$6,866$6,331$5,982
9 years$7,687$7,022$6,410$5,848$5,332$4,997
10 years$6,848$6,190$5,589$5,041$4,543$4,222
11 years$6,162$5,510$4,920$4,387$3,907$3,601
12 years$5,591$4,946$4,366$3,848$3,386$3,093
13 years$5,108$4,470$3,901$3,397$2,953$2,674
14 years$4,694$4,063$3,505$3,016$2,588$2,323
15 years$4,336$3,711$3,165$2,690$2,279$2,026
16 years$4,023$3,405$2,869$2,408$2,014$1,774
17 years$3,747$3,136$2,611$2,164$1,786$1,558
18 years$3,502$2,898$2,383$1,950$1,588$1,372
19 years$3,283$2,686$2,182$1,762$1,415$1,211
20 years$3,086$2,496$2,002$1,596$1,264$1,071
21 years$2,908$2,325$1,842$1,448$1,131$948
22 years$2,747$2,170$1,698$1,317$1,014$841
23 years$2,599$2,029$1,567$1,199$910$748
24 years$2,465$1,901$1,450$1,094$818$665
25 years$2,341$1,784$1,343$999$736$592
26 years$2,227$1,677$1,245$913$663$527
27 years$2,121$1,578$1,156$836$598$470
28 years$2,024$1,487$1,075$766$539$420
29 years$1,933$1,403$1,000$702$487$375
30 years$1,848$1,325$932$645$440$335
31 years$1,769$1,253$869$592$398$299
32 years$1,695$1,185$810$544$360$268
33 years$1,626$1,122$757$500$326$240
34 years$1,561$1,064$707$460$295$214
35 years$1,500$1,009$661$424$267$192
36 years$1,442$958$618$390$242$172
37 years$1,388$910$579$360$219$154
38 years$1,336$864$542$331$199$138
39 years$1,288$822$508$306$180$124
40 years$1,241$782$476$282$164$111
41 years$1,198$744$446$260$148$99
42 years$1,156$709$419$240$135$89
43 years$1,116$676$393$222$122$80
44 years$1,079$644$369$205$111$72
45 years$1,043$614$346$189$101$64
46 years$1,009$586$325$175$91$58
47 years$976$559$306$161$83$52
48 years$945$534$287$149$75$46
49 years$915$510$270$138$68$42
50 years$887$487$254$127$62$37

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $908,000, adding $2,978 every year, while hoping to spend $29,755 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: 73/17/10 Blend
51$908,000$908,000$908,000$908,000
52$1,003,688$955,564$941,490$1,074,871
53$1,074,405$970,727$941,371$1,137,443
54$1,151,338$985,637$940,250$1,201,962
55$1,235,089$1,000,248$938,064$1,271,805
56$1,326,322$1,014,514$934,743$1,347,490
57$1,425,767$1,028,384$930,216$1,429,589
58$1,534,225$1,041,806$924,408$1,518,730
59$1,652,582$1,054,720$917,242$1,615,606
60$1,781,810$1,067,066$908,634$1,720,980
61$1,922,980$1,078,778$898,499$1,835,694
62$2,077,272$1,089,785$886,746$1,960,674
63$2,245,982$1,100,014$873,281$2,096,941
64$2,430,542$1,109,384$858,006$2,245,621
65$2,632,524$1,117,810$840,815$2,407,954
66$2,853,661$1,125,203$821,602$2,585,307
67$3,095,861$1,131,465$800,253$2,779,187
68$3,361,227$1,136,494$776,649$2,991,253
69$3,652,072$1,140,182$750,667$3,223,335
70$3,970,945$1,142,413$722,176$3,477,450
71$4,320,653$1,143,063$691,041$3,755,820
72$4,704,289$1,142,002$657,120$4,060,895
73$5,125,258$1,139,092$620,265$4,395,374
74$5,587,311$1,134,184$580,321$4,762,234
75$6,094,581$1,127,124$537,126$5,164,754
76$6,651,620$1,117,744$490,511$5,606,549
77$7,263,441$1,105,870$440,299$6,091,603
78$7,935,569$1,091,314$386,306$6,624,308
79$8,674,089$1,073,880$328,339$7,209,504
80$9,485,704$1,053,358$266,196$7,852,526
81$10,377,799$1,029,526$199,667$8,559,254
82$11,358,512$1,002,151$128,534$9,336,170
83$12,436,806$970,982$52,565$10,190,416
84$13,622,558$935,757$0$11,129,866
85$14,926,648$896,198$0$12,166,240
86$16,361,064$852,011$0$13,312,245
87$17,939,016$802,883$0$14,572,835
88$19,675,057$748,485$0$15,959,660
89$21,585,220$688,468$0$17,485,557
90$23,687,175$622,465$0$19,164,673
91$26,000,387$550,086$0$21,012,598
92$28,546,307$470,920$0$23,046,515
93$31,348,567$384,532$0$25,285,358
94$34,433,209$290,463$0$27,749,995
95$37,828,929$188,228$0$30,463,422
96$41,567,343$77,315$0$33,450,985
97$45,683,291$0$0$36,740,612
98$50,215,162$0$0$40,371,095
99$55,205,258$0$0$44,384,640
100$60,700,190$0$0$48,804,281