Can I retire at age 52 with 909,000?

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 $909,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$75,064$74,396$73,743$73,107$72,485$71,908
2 years$37,161$36,468$35,798$35,147$34,517$33,935
3 years$24,528$23,833$23,164$22,519$21,899$21,330
4 years$18,212$17,519$16,857$16,224$15,618$15,068
5 years$14,424$13,735$13,082$12,462$11,873$11,341
6 years$11,900$11,216$10,572$9,966$9,395$8,883
7 years$10,097$9,419$8,785$8,193$7,640$7,149
8 years$8,746$8,074$7,451$6,873$6,338$5,868
9 years$7,695$7,030$6,417$5,854$5,338$4,887
10 years$6,855$6,196$5,595$5,047$4,548$4,117
11 years$6,169$5,516$4,926$4,392$3,912$3,500
12 years$5,597$4,951$4,371$3,852$3,390$2,998
13 years$5,113$4,474$3,905$3,401$2,956$2,583
14 years$4,699$4,067$3,509$3,019$2,591$2,236
15 years$4,341$3,715$3,168$2,692$2,281$1,944
16 years$4,027$3,409$2,872$2,411$2,016$1,697
17 years$3,751$3,139$2,614$2,166$1,788$1,485
18 years$3,506$2,901$2,386$1,952$1,590$1,303
19 years$3,286$2,689$2,184$1,764$1,417$1,146
20 years$3,089$2,498$2,005$1,598$1,266$1,010
21 years$2,911$2,327$1,844$1,450$1,133$891
22 years$2,750$2,172$1,699$1,318$1,015$788
23 years$2,602$2,032$1,569$1,201$911$697
24 years$2,467$1,904$1,451$1,095$819$618
25 years$2,344$1,786$1,344$1,000$737$548
26 years$2,229$1,679$1,247$914$664$486
27 years$2,124$1,580$1,158$837$599$432
28 years$2,026$1,489$1,076$767$540$384
29 years$1,935$1,405$1,001$703$488$341
30 years$1,850$1,326$933$645$441$304
31 years$1,771$1,254$870$593$398$270
32 years$1,697$1,187$811$545$360$241
33 years$1,628$1,124$758$501$326$215
34 years$1,563$1,065$708$461$295$191
35 years$1,501$1,010$662$424$267$171
36 years$1,444$959$619$391$242$152
37 years$1,389$911$579$360$220$136
38 years$1,338$865$543$332$199$121
39 years$1,289$823$508$306$181$108
40 years$1,243$783$476$282$164$96
41 years$1,199$745$447$260$149$86
42 years$1,157$710$419$240$135$77
43 years$1,118$676$393$222$122$69
44 years$1,080$645$369$205$111$61
45 years$1,044$615$347$189$101$55
46 years$1,010$586$326$175$92$49
47 years$977$560$306$161$83$44
48 years$946$534$287$149$75$39
49 years$916$510$270$138$69$35
50 years$888$487$254$127$62$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $909,000, adding $2,313 every year, while hoping to spend $20,580 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: 56/24/20 Blend
51$909,000$909,000$909,000$909,000
52$1,004,104$955,927$941,837$1,054,814
53$1,084,625$980,870$951,492$1,114,616
54$1,172,671$1,006,346$960,780$1,177,337
55$1,268,985$1,032,359$969,668$1,245,214
56$1,374,389$1,058,913$978,120$1,318,749
57$1,489,788$1,086,010$986,098$1,398,492
58$1,616,176$1,113,655$993,562$1,485,050
59$1,754,651$1,141,848$1,000,471$1,579,093
60$1,906,419$1,170,593$1,006,781$1,681,355
61$2,072,810$1,199,888$1,012,445$1,792,650
62$2,255,290$1,229,736$1,017,414$1,913,870
63$2,455,470$1,260,134$1,021,639$2,046,000
64$2,675,129$1,291,081$1,025,064$2,190,126
65$2,916,222$1,322,574$1,027,634$2,347,443
66$3,180,906$1,354,609$1,029,289$2,519,268
67$3,471,555$1,387,182$1,029,967$2,707,052
68$3,790,787$1,420,287$1,029,603$2,912,396
69$4,141,481$1,453,915$1,028,129$3,137,061
70$4,526,813$1,488,058$1,025,473$3,382,989
71$4,950,280$1,522,705$1,021,559$3,652,322
72$5,415,736$1,557,845$1,016,308$3,947,416
73$5,927,425$1,593,463$1,009,638$4,270,872
74$6,490,023$1,629,544$1,001,462$4,625,554
75$7,108,684$1,666,069$991,689$5,014,617
76$7,789,083$1,703,020$980,224$5,441,541
77$8,537,475$1,740,374$966,967$5,910,159
78$9,360,752$1,778,107$951,815$6,424,697
79$10,266,505$1,816,190$934,657$6,989,810
80$11,263,100$1,854,595$915,379$7,610,629
81$12,359,754$1,893,288$893,862$8,292,810
82$13,566,623$1,932,233$869,981$9,042,586
83$14,894,897$1,971,391$843,603$9,866,825
84$16,356,906$2,010,718$814,594$10,773,097
85$17,966,236$2,050,169$782,808$11,769,745
86$19,737,856$2,089,692$748,097$12,865,964
87$21,688,263$2,129,233$710,304$14,071,887
88$23,835,631$2,168,730$669,264$15,398,681
89$26,199,989$2,208,121$624,808$16,858,656
90$28,803,404$2,247,336$576,755$18,465,375
91$31,670,195$2,286,299$524,920$20,233,788
92$34,827,157$2,324,929$469,107$22,180,371
93$38,303,817$2,363,141$409,112$24,323,281
94$42,132,711$2,400,840$344,722$26,682,531
95$46,349,693$2,437,926$275,716$29,280,174
96$50,994,269$2,474,292$201,860$32,140,516
97$56,109,975$2,509,823$122,913$35,290,345
98$61,744,783$2,544,395$38,621$38,759,182
99$67,951,556$2,577,875$0$42,579,563
100$74,788,548$2,610,124$0$46,798,300