Can I retire at age 52 with 912,000?

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 $912,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$75,312$74,641$73,987$73,348$72,724$70,680
2 years$37,283$36,589$35,916$35,263$34,631$32,586
3 years$24,609$23,911$23,240$22,594$21,971$19,991
4 years$18,273$17,577$16,913$16,277$15,670$13,769
5 years$14,472$13,781$13,125$12,503$11,912$10,096
6 years$11,939$11,253$10,607$9,998$9,426$7,696
7 years$10,130$9,450$8,814$8,220$7,666$6,023
8 years$8,775$8,101$7,475$6,896$6,359$4,802
9 years$7,721$7,053$6,438$5,874$5,355$3,882
10 years$6,878$6,217$5,613$5,063$4,563$3,172
11 years$6,189$5,535$4,942$4,406$3,924$2,613
12 years$5,615$4,968$4,386$3,865$3,401$2,167
13 years$5,130$4,489$3,918$3,412$2,966$1,806
14 years$4,715$4,081$3,521$3,029$2,600$1,512
15 years$4,355$3,728$3,179$2,701$2,289$1,270
16 years$4,041$3,420$2,882$2,419$2,023$1,070
17 years$3,763$3,150$2,622$2,173$1,794$904
18 years$3,517$2,911$2,394$1,959$1,595$765
19 years$3,297$2,697$2,192$1,770$1,422$648
20 years$3,100$2,507$2,011$1,603$1,270$550
21 years$2,921$2,335$1,850$1,455$1,136$467
22 years$2,759$2,179$1,705$1,323$1,019$398
23 years$2,611$2,038$1,574$1,205$914$339
24 years$2,476$1,910$1,456$1,099$822$288
25 years$2,351$1,792$1,349$1,003$739$246
26 years$2,237$1,684$1,251$917$666$210
27 years$2,131$1,585$1,161$840$601$179
28 years$2,033$1,494$1,080$769$542$153
29 years$1,941$1,409$1,005$705$489$130
30 years$1,856$1,331$936$647$442$111
31 years$1,777$1,258$872$595$400$95
32 years$1,703$1,190$814$547$362$81
33 years$1,633$1,127$760$503$327$69
34 years$1,568$1,068$710$462$296$59
35 years$1,506$1,013$664$426$268$51
36 years$1,448$962$621$392$243$43
37 years$1,394$914$581$361$220$37
38 years$1,342$868$544$333$200$32
39 years$1,293$826$510$307$181$27
40 years$1,247$785$478$283$164$23
41 years$1,203$748$448$261$149$20
42 years$1,161$712$420$241$135$17
43 years$1,121$678$395$223$123$15
44 years$1,084$647$370$205$111$12
45 years$1,048$617$348$190$101$11
46 years$1,013$588$327$175$92$9
47 years$980$561$307$162$83$8
48 years$949$536$288$150$76$7
49 years$919$512$271$138$69$6
50 years$890$489$255$128$62$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $912,000, adding $2,333 every year, while hoping to spend $32,377 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: 60/21/19 Blend
51$912,000$912,000$912,000$912,000
52$1,007,430$959,094$944,958$1,062,761
53$1,075,740$971,641$942,166$1,113,012
54$1,149,931$983,718$938,194$1,164,033
55$1,230,571$995,266$932,970$1,218,957
56$1,318,281$1,006,227$926,417$1,278,168
57$1,413,747$1,016,533$918,453$1,342,090
58$1,517,721$1,026,116$908,994$1,411,187
59$1,631,035$1,034,901$897,951$1,485,975
60$1,754,598$1,042,809$885,231$1,567,022
61$1,889,418$1,049,757$870,736$1,654,953
62$2,036,598$1,055,655$854,365$1,750,462
63$2,197,356$1,060,407$836,011$1,854,309
64$2,373,031$1,063,912$815,563$1,967,338
65$2,565,099$1,066,063$792,903$2,090,476
66$2,775,184$1,066,744$767,910$2,224,749
67$3,005,073$1,065,835$740,455$2,371,287
68$3,256,736$1,063,206$710,406$2,531,337
69$3,532,340$1,058,721$677,622$2,706,276
70$3,834,274$1,052,233$641,957$2,897,620
71$4,165,167$1,043,589$603,259$3,107,047
72$4,527,914$1,032,625$561,369$3,336,402
73$4,925,705$1,019,168$516,119$3,587,723
74$5,362,053$1,003,033$467,335$3,863,260
75$5,840,828$984,027$414,836$4,165,492
76$6,366,290$961,942$358,431$4,497,154
77$6,943,135$936,561$297,922$4,861,263
78$7,576,534$907,652$233,101$5,261,148
79$8,272,184$874,970$163,753$5,700,477
80$9,036,359$838,256$89,651$6,183,301
81$9,875,973$797,236$10,560$6,714,082
82$10,798,642$751,620$0$7,297,744
83$11,812,756$701,102$0$7,954,688
84$12,927,558$645,356$0$8,679,189
85$14,153,231$584,041$0$9,475,761
86$15,500,996$516,795$0$10,351,742
87$16,983,213$443,233$0$11,315,221
88$18,613,501$362,952$0$12,375,114
89$20,406,866$275,524$0$13,541,246
90$22,379,839$180,498$0$14,824,450
91$24,550,637$77,397$0$16,236,665
92$26,939,331$0$0$17,791,049
93$29,568,034$0$0$19,510,030
94$32,461,112$0$0$21,421,662
95$35,645,415$0$0$23,525,812
96$39,150,524$0$0$25,842,038
97$43,009,037$0$0$28,391,891
98$47,256,870$0$0$31,199,119
99$51,933,601$0$0$34,289,890
100$57,082,840$0$0$37,693,035