Can I retire at age 52 with 910,000?

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 $910,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.7%
1 years$75,147$74,478$73,825$73,187$72,565$70,018
2 years$37,201$36,509$35,837$35,186$34,555$32,015
3 years$24,555$23,859$23,189$22,544$21,923$19,471
4 years$18,232$17,539$16,876$16,242$15,636$13,290
5 years$14,440$13,751$13,096$12,475$11,886$9,653
6 years$11,913$11,228$10,584$9,977$9,405$7,286
7 years$10,108$9,430$8,795$8,202$7,649$5,643
8 years$8,755$8,083$7,459$6,881$6,345$4,452
9 years$7,704$7,038$6,424$5,861$5,344$3,560
10 years$6,863$6,203$5,601$5,052$4,553$2,876
11 years$6,175$5,522$4,931$4,397$3,916$2,342
12 years$5,603$4,957$4,376$3,857$3,393$1,919
13 years$5,119$4,479$3,910$3,405$2,959$1,580
14 years$4,704$4,072$3,513$3,022$2,594$1,306
15 years$4,345$3,719$3,172$2,695$2,284$1,083
16 years$4,032$3,413$2,876$2,413$2,019$901
17 years$3,755$3,143$2,617$2,168$1,790$751
18 years$3,510$2,904$2,389$1,954$1,591$627
19 years$3,290$2,692$2,187$1,766$1,418$524
20 years$3,093$2,501$2,007$1,599$1,267$439
21 years$2,915$2,330$1,846$1,451$1,134$368
22 years$2,753$2,175$1,701$1,320$1,016$308
23 years$2,605$2,034$1,571$1,202$912$259
24 years$2,470$1,906$1,453$1,096$820$217
25 years$2,346$1,788$1,346$1,001$738$183
26 years$2,232$1,681$1,248$915$665$154
27 years$2,126$1,582$1,159$838$599$129
28 years$2,028$1,491$1,077$768$541$109
29 years$1,937$1,406$1,003$704$488$91
30 years$1,852$1,328$934$646$441$77
31 years$1,773$1,255$871$593$399$65
32 years$1,699$1,188$812$545$361$55
33 years$1,630$1,125$758$501$326$46
34 years$1,564$1,066$709$461$296$39
35 years$1,503$1,011$662$425$268$33
36 years$1,445$960$620$391$243$27
37 years$1,391$912$580$360$220$23
38 years$1,339$866$543$332$199$19
39 years$1,290$824$509$306$181$16
40 years$1,244$784$477$283$164$14
41 years$1,200$746$447$261$149$12
42 years$1,159$711$420$241$135$10
43 years$1,119$677$394$222$122$8
44 years$1,081$645$370$205$111$7
45 years$1,045$615$347$189$101$6
46 years$1,011$587$326$175$92$5
47 years$978$560$306$162$83$4
48 years$947$535$288$149$76$3
49 years$917$511$270$138$69$3
50 years$888$488$254$128$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $910,000, adding $5,903 every year, while hoping to spend $45,129 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: 85/7/8 Blend
51$910,000$910,000$910,000$910,000
52$1,008,909$960,679$946,574$1,093,285
53$1,063,801$959,735$930,267$1,148,306
54$1,122,779$957,233$911,902$1,201,990
55$1,186,213$953,048$891,361$1,259,547
56$1,254,508$947,048$868,523$1,321,339
57$1,328,108$939,094$843,259$1,387,763
58$1,407,504$929,039$815,437$1,459,253
59$1,493,232$916,724$784,917$1,536,290
60$1,585,882$901,984$751,552$1,619,404
61$1,686,104$884,643$715,190$1,709,176
62$1,794,609$864,513$675,672$1,806,248
63$1,912,183$841,398$632,830$1,911,325
64$2,039,686$815,087$586,491$2,025,185
65$2,178,068$785,360$536,472$2,148,686
66$2,328,369$751,981$482,582$2,282,771
67$2,491,738$714,704$424,624$2,428,479
68$2,669,436$673,264$362,389$2,586,957
69$2,862,850$627,386$295,661$2,759,466
70$3,073,508$576,775$224,213$2,947,396
71$3,303,091$521,122$147,809$3,152,280
72$3,553,448$460,099$66,202$3,375,807
73$3,826,614$393,359$0$3,619,835
74$4,124,831$320,536$0$3,888,199
75$4,450,565$241,243$0$4,187,521
76$4,806,532$155,073$0$4,514,658
77$5,195,721$61,594$0$4,872,378
78$5,621,422$0$0$5,263,731
79$6,087,261$0$0$5,695,130
80$6,597,228$0$0$6,172,602
81$7,155,717$0$0$6,695,517
82$7,767,568$0$0$7,268,410
83$8,438,109$0$0$7,896,270
84$9,173,211$0$0$8,584,597
85$9,979,337$0$0$9,339,445
86$10,863,607$0$0$10,167,482
87$11,833,863$0$0$11,076,055
88$12,898,744$0$0$12,073,254
89$14,067,765$0$0$13,167,992
90$15,351,406$0$0$14,370,086
91$16,761,213$0$0$15,690,351
92$18,309,905$0$0$17,140,700
93$20,011,495$0$0$18,734,258
94$21,881,416$0$0$20,485,482
95$23,936,675$0$0$22,410,302
96$26,196,007$0$0$24,526,266
97$28,680,050$0$0$26,852,706
98$31,411,546$0$0$29,410,923
99$34,415,547$0$0$32,224,384
100$37,719,657$0$0$35,318,946