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%12.9%
1 years$75,147$74,478$73,825$73,187$72,565$71,688
2 years$37,201$36,509$35,837$35,186$34,555$33,672
3 years$24,555$23,859$23,189$22,544$21,923$21,062
4 years$18,232$17,539$16,876$16,242$15,636$14,803
5 years$14,440$13,751$13,096$12,475$11,886$11,084
6 years$11,913$11,228$10,584$9,977$9,405$8,635
7 years$10,108$9,430$8,795$8,202$7,649$6,911
8 years$8,755$8,083$7,459$6,881$6,345$5,640
9 years$7,704$7,038$6,424$5,861$5,344$4,670
10 years$6,863$6,203$5,601$5,052$4,553$3,911
11 years$6,175$5,522$4,931$4,397$3,916$3,304
12 years$5,603$4,957$4,376$3,857$3,393$2,812
13 years$5,119$4,479$3,910$3,405$2,959$2,407
14 years$4,704$4,072$3,513$3,022$2,594$2,070
15 years$4,345$3,719$3,172$2,695$2,284$1,788
16 years$4,032$3,413$2,876$2,413$2,019$1,550
17 years$3,755$3,143$2,617$2,168$1,790$1,347
18 years$3,510$2,904$2,389$1,954$1,591$1,173
19 years$3,290$2,692$2,187$1,766$1,418$1,024
20 years$3,093$2,501$2,007$1,599$1,267$896
21 years$2,915$2,330$1,846$1,451$1,134$785
22 years$2,753$2,175$1,701$1,320$1,016$689
23 years$2,605$2,034$1,571$1,202$912$605
24 years$2,470$1,906$1,453$1,096$820$532
25 years$2,346$1,788$1,346$1,001$738$468
26 years$2,232$1,681$1,248$915$665$412
27 years$2,126$1,582$1,159$838$599$363
28 years$2,028$1,491$1,077$768$541$320
29 years$1,937$1,406$1,003$704$488$282
30 years$1,852$1,328$934$646$441$249
31 years$1,773$1,255$871$593$399$220
32 years$1,699$1,188$812$545$361$194
33 years$1,630$1,125$758$501$326$172
34 years$1,564$1,066$709$461$296$152
35 years$1,503$1,011$662$425$268$134
36 years$1,445$960$620$391$243$119
37 years$1,391$912$580$360$220$105
38 years$1,339$866$543$332$199$93
39 years$1,290$824$509$306$181$82
40 years$1,244$784$477$283$164$73
41 years$1,200$746$447$261$149$64
42 years$1,159$711$420$241$135$57
43 years$1,119$677$394$222$122$50
44 years$1,081$645$370$205$111$45
45 years$1,045$615$347$189$101$40
46 years$1,011$587$326$175$92$35
47 years$978$560$306$162$83$31
48 years$947$535$288$149$76$27
49 years$917$511$270$138$69$24
50 years$888$488$254$128$62$21

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $910,000, adding $6,280 every year, while hoping to spend $27,286 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: 57/17/26 Blend
51$910,000$910,000$910,000$910,000
52$1,009,298$961,068$946,963$1,059,339
53$1,083,214$979,128$949,654$1,112,382
54$1,163,755$997,159$951,521$1,166,759
55$1,251,568$1,015,130$952,507$1,225,459
56$1,347,365$1,033,008$952,553$1,288,906
57$1,451,930$1,050,759$951,597$1,357,572
58$1,566,125$1,068,344$949,573$1,431,972
59$1,690,900$1,085,723$946,414$1,512,679
60$1,827,300$1,102,852$942,048$1,600,322
61$1,976,477$1,119,684$936,399$1,695,595
62$2,139,698$1,136,169$929,388$1,799,264
63$2,318,359$1,152,253$920,934$1,912,176
64$2,513,996$1,167,877$910,950$2,035,260
65$2,728,301$1,182,981$899,344$2,169,546
66$2,963,139$1,197,498$886,024$2,316,166
67$3,220,562$1,211,358$870,888$2,476,371
68$3,502,830$1,224,486$853,833$2,651,539
69$3,812,433$1,236,800$834,751$2,843,191
70$4,152,114$1,248,216$813,528$3,053,004
71$4,524,893$1,258,641$790,044$3,282,827
72$4,934,097$1,267,979$764,176$3,534,698
73$5,383,391$1,276,127$735,792$3,810,868
74$5,876,812$1,282,973$704,756$4,113,815
75$6,418,809$1,288,400$670,928$4,446,274
76$7,014,280$1,292,284$634,156$4,811,261
77$7,668,622$1,294,492$594,286$5,212,100
78$8,387,783$1,294,883$551,156$5,652,459
79$9,178,312$1,293,308$504,595$6,136,379
80$10,047,427$1,289,607$454,426$6,668,318
81$11,003,079$1,283,612$400,463$7,253,190
82$12,054,028$1,275,144$342,514$7,896,415
83$13,209,925$1,264,013$280,375$8,603,968
84$14,481,406$1,250,017$213,836$9,382,434
85$15,880,185$1,232,944$142,675$10,239,077
86$17,419,173$1,212,568$66,664$11,181,904
87$19,112,593$1,188,648$0$12,219,741
88$20,976,116$1,160,930$0$13,366,330
89$23,027,011$1,129,147$0$14,648,388
90$25,284,305$1,093,014$0$16,059,300
91$27,768,961$1,052,228$0$17,612,181
92$30,504,080$1,006,473$0$19,321,484
93$33,515,116$955,410$0$21,203,137
94$36,830,116$898,683$0$23,274,693
95$40,479,984$835,915$0$25,555,496
96$44,498,775$766,707$0$28,066,866
97$48,924,011$690,637$0$30,832,297
98$53,797,043$607,260$0$33,877,682
99$59,163,431$516,106$0$37,231,555
100$65,073,382$416,676$0$40,925,363