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%12.8%
1 years$75,312$74,641$73,987$73,348$72,724$71,875
2 years$37,283$36,589$35,916$35,263$34,631$33,776
3 years$24,609$23,911$23,240$22,594$21,971$21,137
4 years$18,273$17,577$16,913$16,277$15,670$14,864
5 years$14,472$13,781$13,125$12,503$11,912$11,135
6 years$11,939$11,253$10,607$9,998$9,426$8,680
7 years$10,130$9,450$8,814$8,220$7,666$6,951
8 years$8,775$8,101$7,475$6,896$6,359$5,675
9 years$7,721$7,053$6,438$5,874$5,355$4,702
10 years$6,878$6,217$5,613$5,063$4,563$3,940
11 years$6,189$5,535$4,942$4,406$3,924$3,331
12 years$5,615$4,968$4,386$3,865$3,401$2,837
13 years$5,130$4,489$3,918$3,412$2,966$2,430
14 years$4,715$4,081$3,521$3,029$2,600$2,091
15 years$4,355$3,728$3,179$2,701$2,289$1,807
16 years$4,041$3,420$2,882$2,419$2,023$1,567
17 years$3,763$3,150$2,622$2,173$1,794$1,363
18 years$3,517$2,911$2,394$1,959$1,595$1,188
19 years$3,297$2,697$2,192$1,770$1,422$1,038
20 years$3,100$2,507$2,011$1,603$1,270$909
21 years$2,921$2,335$1,850$1,455$1,136$797
22 years$2,759$2,179$1,705$1,323$1,019$700
23 years$2,611$2,038$1,574$1,205$914$615
24 years$2,476$1,910$1,456$1,099$822$541
25 years$2,351$1,792$1,349$1,003$739$476
26 years$2,237$1,684$1,251$917$666$420
27 years$2,131$1,585$1,161$840$601$370
28 years$2,033$1,494$1,080$769$542$327
29 years$1,941$1,409$1,005$705$489$289
30 years$1,856$1,331$936$647$442$255
31 years$1,777$1,258$872$595$400$225
32 years$1,703$1,190$814$547$362$199
33 years$1,633$1,127$760$503$327$176
34 years$1,568$1,068$710$462$296$156
35 years$1,506$1,013$664$426$268$138
36 years$1,448$962$621$392$243$122
37 years$1,394$914$581$361$220$108
38 years$1,342$868$544$333$200$96
39 years$1,293$826$510$307$181$85
40 years$1,247$785$478$283$164$75
41 years$1,203$748$448$261$149$66
42 years$1,161$712$420$241$135$59
43 years$1,121$678$395$223$123$52
44 years$1,084$647$370$205$111$46
45 years$1,048$617$348$190$101$41
46 years$1,013$588$327$175$92$36
47 years$980$561$307$162$83$32
48 years$949$536$288$150$76$28
49 years$919$512$271$138$69$25
50 years$890$489$255$128$62$22

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $912,000, adding $2,553 every year, while hoping to spend $52,273 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: 37/41/22 Blend
51$912,000$912,000$912,000$912,000
52$1,007,657$959,321$945,185$1,038,192
53$1,054,820$950,710$921,231$1,052,070
54$1,105,042$939,925$894,722$1,061,996
55$1,158,579$926,804$865,518$1,071,659
56$1,215,713$911,176$833,472$1,081,069
57$1,276,752$892,860$798,429$1,090,237
58$1,342,033$871,662$760,229$1,099,182
59$1,411,927$847,381$718,703$1,107,929
60$1,486,840$819,799$673,676$1,116,511
61$1,567,217$788,688$624,964$1,124,970
62$1,653,548$753,808$572,375$1,133,358
63$1,746,368$714,903$515,708$1,141,738
64$1,846,267$671,703$454,753$1,150,187
65$1,953,891$623,921$389,292$1,158,796
66$2,069,951$571,257$319,097$1,167,673
67$2,195,227$513,389$243,928$1,176,945
68$2,330,577$449,982$163,536$1,186,759
69$2,476,942$380,678$77,661$1,197,288
70$2,635,359$305,100$0$1,208,730
71$2,806,967$222,851$0$1,224,596
72$2,993,017$133,510$0$1,261,535
73$3,194,886$36,633$0$1,301,667
74$3,414,087$0$0$1,345,407
75$3,652,287$0$0$1,424,013
76$3,911,317$0$0$1,527,577
77$4,193,193$0$0$1,640,391
78$4,500,132$0$0$1,763,359
79$4,834,575$0$0$1,897,471
80$5,199,207$0$0$2,043,822
81$5,596,983$0$0$2,203,614
82$6,031,158$0$0$2,378,172
83$6,505,312$0$0$2,568,953
84$7,023,388$0$0$2,777,562
85$7,589,725$0$0$3,005,767
86$8,209,102$0$0$3,255,512
87$8,886,781$0$0$3,528,941
88$9,628,553$0$0$3,828,413
89$10,440,799$0$0$4,156,526
90$11,330,542$0$0$4,516,141
91$12,305,521$0$0$4,910,410
92$13,374,254$0$0$5,342,803
93$14,546,125$0$0$5,817,144
94$15,831,470$0$0$6,337,643
95$17,241,671$0$0$6,908,938
96$18,789,268$0$0$7,536,138
97$20,488,072$0$0$8,224,870
98$22,353,296$0$0$8,981,335
99$24,401,699$0$0$9,812,362
100$26,651,742$0$0$10,725,473