Can I retire at age 52 with 909,000?

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 $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%15%
1 years$75,064$74,396$73,743$73,107$72,485$70,992
2 years$37,161$36,468$35,798$35,147$34,517$33,020
3 years$24,528$23,833$23,164$22,519$21,899$20,444
4 years$18,212$17,519$16,857$16,224$15,618$14,217
5 years$14,424$13,735$13,082$12,462$11,873$10,529
6 years$11,900$11,216$10,572$9,966$9,395$8,110
7 years$10,097$9,419$8,785$8,193$7,640$6,415
8 years$8,746$8,074$7,451$6,873$6,338$5,172
9 years$7,695$7,030$6,417$5,854$5,338$4,229
10 years$6,855$6,196$5,595$5,047$4,548$3,497
11 years$6,169$5,516$4,926$4,392$3,912$2,916
12 years$5,597$4,951$4,371$3,852$3,390$2,448
13 years$5,113$4,474$3,905$3,401$2,956$2,067
14 years$4,699$4,067$3,509$3,019$2,591$1,753
15 years$4,341$3,715$3,168$2,692$2,281$1,492
16 years$4,027$3,409$2,872$2,411$2,016$1,274
17 years$3,751$3,139$2,614$2,166$1,788$1,091
18 years$3,506$2,901$2,386$1,952$1,590$936
19 years$3,286$2,689$2,184$1,764$1,417$805
20 years$3,089$2,498$2,005$1,598$1,266$693
21 years$2,911$2,327$1,844$1,450$1,133$598
22 years$2,750$2,172$1,699$1,318$1,015$516
23 years$2,602$2,032$1,569$1,201$911$446
24 years$2,467$1,904$1,451$1,095$819$385
25 years$2,344$1,786$1,344$1,000$737$334
26 years$2,229$1,679$1,247$914$664$289
27 years$2,124$1,580$1,158$837$599$250
28 years$2,026$1,489$1,076$767$540$217
29 years$1,935$1,405$1,001$703$488$188
30 years$1,850$1,326$933$645$441$163
31 years$1,771$1,254$870$593$398$142
32 years$1,697$1,187$811$545$360$123
33 years$1,628$1,124$758$501$326$107
34 years$1,563$1,065$708$461$295$93
35 years$1,501$1,010$662$424$267$81
36 years$1,444$959$619$391$242$70
37 years$1,389$911$579$360$220$61
38 years$1,338$865$543$332$199$53
39 years$1,289$823$508$306$181$46
40 years$1,243$783$476$282$164$40
41 years$1,199$745$447$260$149$35
42 years$1,157$710$419$240$135$30
43 years$1,118$676$393$222$122$26
44 years$1,080$645$369$205$111$23
45 years$1,044$615$347$189$101$20
46 years$1,010$586$326$175$92$17
47 years$977$560$306$161$83$15
48 years$946$534$287$149$75$13
49 years$916$510$270$138$69$11
50 years$888$487$254$127$62$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $909,000, adding $2,732 every year, while hoping to spend $27,865 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: 31/49/20 Blend
51$909,000$909,000$909,000$909,000
52$1,004,536$956,359$942,270$1,029,339
53$1,077,351$973,573$944,187$1,065,482
54$1,156,658$990,696$945,236$1,101,651
55$1,243,092$1,007,694$945,356$1,140,001
56$1,337,348$1,024,532$944,486$1,180,738
57$1,440,194$1,041,170$942,562$1,224,091
58$1,552,472$1,057,566$939,517$1,270,311
59$1,675,113$1,073,675$935,279$1,319,680
60$1,809,137$1,089,448$929,774$1,372,505
61$1,955,672$1,104,834$922,924$1,429,129
62$2,115,956$1,119,777$914,648$1,489,930
63$2,291,355$1,134,217$904,860$1,555,326
64$2,483,371$1,148,092$893,470$1,625,780
65$2,693,659$1,161,332$880,386$1,701,801
66$2,924,042$1,173,867$865,508$1,783,957
67$3,176,526$1,185,618$848,734$1,872,870
68$3,453,321$1,196,503$829,956$1,969,232
69$3,756,862$1,206,434$809,062$2,073,807
70$4,089,831$1,215,318$785,935$2,187,437
71$4,455,180$1,223,055$760,450$2,311,056
72$4,856,163$1,229,539$732,479$2,445,692
73$5,296,362$1,234,657$701,888$2,592,486
74$5,779,725$1,238,289$668,536$2,752,694
75$6,310,600$1,240,309$632,274$2,927,705
76$6,893,777$1,240,579$592,951$3,119,056
77$7,534,531$1,238,957$550,404$3,328,441
78$8,238,677$1,235,289$504,466$3,557,733
79$9,012,617$1,229,413$454,961$3,809,001
80$9,863,408$1,221,158$401,706$4,084,527
81$10,798,822$1,210,341$344,509$4,386,835
82$11,827,422$1,196,769$283,171$4,718,709
83$12,958,644$1,180,235$217,482$5,083,224
84$14,202,882$1,160,523$147,224$5,483,774
85$15,571,591$1,137,403$72,170$5,924,107
86$17,077,388$1,110,631$0$6,408,358
87$18,734,177$1,079,947$0$6,942,787
88$20,557,278$1,045,079$0$7,547,285
89$22,563,570$1,005,738$0$8,212,053
90$24,771,651$961,617$0$8,943,288
91$27,202,015$912,391$0$9,747,821
92$29,877,241$857,719$0$10,633,191
93$32,822,209$797,237$0$11,607,711
94$36,064,335$730,562$0$12,680,549
95$39,633,828$657,290$0$13,861,815
96$43,563,972$576,991$0$15,162,661
97$47,891,448$489,214$0$16,595,383
98$52,656,670$393,480$0$18,173,543
99$57,904,175$289,285$0$19,912,093
100$63,683,035$176,094$0$21,827,525