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%16.8%
1 years$74,982$74,314$73,662$73,026$72,405$70,398
2 years$37,120$36,428$35,758$35,109$34,479$32,471
3 years$24,501$23,806$23,138$22,495$21,875$19,930
4 years$18,192$17,500$16,839$16,206$15,601$13,734
5 years$14,408$13,720$13,067$12,448$11,860$10,076
6 years$11,887$11,204$10,560$9,955$9,384$7,685
7 years$10,086$9,409$8,776$8,184$7,632$6,017
8 years$8,736$8,065$7,443$6,866$6,331$4,800
9 years$7,687$7,022$6,410$5,848$5,332$3,883
10 years$6,848$6,190$5,589$5,041$4,543$3,175
11 years$6,162$5,510$4,920$4,387$3,907$2,617
12 years$5,591$4,946$4,366$3,848$3,386$2,172
13 years$5,108$4,470$3,901$3,397$2,953$1,811
14 years$4,694$4,063$3,505$3,016$2,588$1,517
15 years$4,336$3,711$3,165$2,690$2,279$1,276
16 years$4,023$3,405$2,869$2,408$2,014$1,075
17 years$3,747$3,136$2,611$2,164$1,786$909
18 years$3,502$2,898$2,383$1,950$1,588$770
19 years$3,283$2,686$2,182$1,762$1,415$653
20 years$3,086$2,496$2,002$1,596$1,264$555
21 years$2,908$2,325$1,842$1,448$1,131$472
22 years$2,747$2,170$1,698$1,317$1,014$401
23 years$2,599$2,029$1,567$1,199$910$342
24 years$2,465$1,901$1,450$1,094$818$292
25 years$2,341$1,784$1,343$999$736$249
26 years$2,227$1,677$1,245$913$663$212
27 years$2,121$1,578$1,156$836$598$181
28 years$2,024$1,487$1,075$766$539$155
29 years$1,933$1,403$1,000$702$487$132
30 years$1,848$1,325$932$645$440$113
31 years$1,769$1,253$869$592$398$97
32 years$1,695$1,185$810$544$360$83
33 years$1,626$1,122$757$500$326$71
34 years$1,561$1,064$707$460$295$61
35 years$1,500$1,009$661$424$267$52
36 years$1,442$958$618$390$242$44
37 years$1,388$910$579$360$219$38
38 years$1,336$864$542$331$199$32
39 years$1,288$822$508$306$180$28
40 years$1,241$782$476$282$164$24
41 years$1,198$744$446$260$148$20
42 years$1,156$709$419$240$135$17
43 years$1,116$676$393$222$122$15
44 years$1,079$644$369$205$111$13
45 years$1,043$614$346$189$101$11
46 years$1,009$586$325$175$91$9
47 years$976$559$306$161$83$8
48 years$945$534$287$149$75$7
49 years$915$510$270$138$68$6
50 years$887$487$254$127$62$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $908,000, adding $6,409 every year, while hoping to spend $49,210 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: 35/43/22 Blend
51$908,000$908,000$908,000$908,000
52$1,007,227$959,103$945,029$1,035,557
53$1,057,605$953,740$924,328$1,051,645
54$1,111,472$946,465$901,285$1,064,006
55$1,169,133$937,132$875,768$1,076,343
56$1,230,920$925,587$847,642$1,088,684
57$1,297,199$911,666$816,763$1,101,064
58$1,368,372$895,196$782,983$1,113,525
59$1,444,878$875,993$746,145$1,126,120
60$1,527,201$853,862$706,087$1,138,909
61$1,615,872$828,598$662,637$1,151,965
62$1,711,474$799,982$615,618$1,165,376
63$1,814,646$767,783$564,844$1,179,241
64$1,926,093$731,758$510,119$1,193,678
65$2,046,588$691,647$451,242$1,208,822
66$2,176,981$647,178$387,999$1,224,830
67$2,318,205$598,062$320,169$1,241,881
68$2,471,288$543,993$247,521$1,260,181
69$2,637,359$484,649$169,812$1,279,966
70$2,817,660$419,687$86,792$1,301,504
71$3,013,558$348,749$0$1,325,098
72$3,226,555$271,451$0$1,351,519
73$3,458,305$187,393$0$1,402,504
74$3,710,626$96,150$0$1,458,166
75$3,985,521$0$0$1,519,076
76$4,285,191$0$0$1,587,159
77$4,612,063$0$0$1,711,165
78$4,968,803$0$0$1,846,627
79$5,358,349$0$0$1,994,676
80$5,783,936$0$0$2,156,555
81$6,249,121$0$0$2,333,636
82$6,757,825$0$0$2,527,429
83$7,314,363$0$0$2,739,595
84$7,923,486$0$0$2,971,965
85$8,590,425$0$0$3,226,553
86$9,320,943$0$0$3,505,581
87$10,121,384$0$0$3,811,491
88$10,998,735$0$0$4,146,977
89$11,960,693$0$0$4,515,005
90$13,015,733$0$0$4,918,839
91$14,173,191$0$0$5,362,079
92$15,443,351$0$0$5,848,687
93$16,837,538$0$0$6,383,029
94$18,368,230$0$0$6,969,914
95$20,049,171$0$0$7,614,639
96$21,895,499$0$0$8,323,041
97$23,923,895$0$0$9,101,548
98$26,152,731$0$0$9,957,245
99$28,602,249$0$0$10,897,933
100$31,294,750$0$0$11,932,211