Can I retire at age 52 with 913,000?

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 $913,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$75,395$74,723$74,068$73,428$72,804$71,627
2 years$37,324$36,629$35,955$35,302$34,669$33,486
3 years$24,636$23,937$23,265$22,618$21,995$20,844
4 years$18,293$17,597$16,931$16,295$15,687$14,576
5 years$14,488$13,796$13,139$12,516$11,925$10,858
6 years$11,952$11,265$10,619$10,009$9,436$8,413
7 years$10,141$9,461$8,824$8,229$7,674$6,696
8 years$8,784$8,110$7,484$6,903$6,366$5,433
9 years$7,729$7,061$6,446$5,880$5,361$4,472
10 years$6,886$6,224$5,619$5,069$4,568$3,722
11 years$6,196$5,541$4,947$4,411$3,929$3,125
12 years$5,621$4,973$4,391$3,869$3,405$2,643
13 years$5,136$4,494$3,923$3,416$2,969$2,247
14 years$4,720$4,085$3,525$3,032$2,602$1,920
15 years$4,360$3,732$3,182$2,704$2,291$1,647
16 years$4,045$3,424$2,885$2,421$2,025$1,417
17 years$3,767$3,153$2,625$2,176$1,796$1,223
18 years$3,521$2,914$2,397$1,961$1,597$1,058
19 years$3,301$2,700$2,194$1,772$1,423$917
20 years$3,103$2,509$2,014$1,605$1,271$796
21 years$2,924$2,337$1,852$1,456$1,138$692
22 years$2,762$2,182$1,707$1,324$1,020$603
23 years$2,614$2,041$1,576$1,206$915$525
24 years$2,478$1,912$1,458$1,100$823$458
25 years$2,354$1,794$1,350$1,004$740$400
26 years$2,239$1,686$1,252$918$667$350
27 years$2,133$1,587$1,163$841$601$306
28 years$2,035$1,495$1,081$770$542$267
29 years$1,944$1,411$1,006$706$490$234
30 years$1,858$1,332$937$648$443$205
31 years$1,779$1,259$873$595$400$179
32 years$1,705$1,192$815$547$362$157
33 years$1,635$1,129$761$503$328$138
34 years$1,570$1,070$711$463$297$121
35 years$1,508$1,015$665$426$269$106
36 years$1,450$963$622$392$243$93
37 years$1,395$915$582$362$221$81
38 years$1,344$869$545$333$200$71
39 years$1,295$826$511$307$181$63
40 years$1,248$786$479$283$164$55
41 years$1,204$749$449$262$149$48
42 years$1,162$713$421$241$135$42
43 years$1,123$679$395$223$123$37
44 years$1,085$647$371$206$112$33
45 years$1,049$617$348$190$101$29
46 years$1,014$589$327$175$92$25
47 years$981$562$307$162$83$22
48 years$950$537$289$150$76$19
49 years$920$512$271$138$69$17
50 years$891$489$255$128$63$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $913,000, adding $5,893 every year, while hoping to spend $42,675 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: 25/46/29 Blend
51$913,000$913,000$913,000$913,000
52$1,012,205$963,816$949,664$1,028,219
53$1,070,044$965,637$936,072$1,043,933
54$1,132,352$966,117$920,594$1,056,774
55$1,199,540$965,145$903,123$1,069,664
56$1,272,060$962,604$883,544$1,082,637
57$1,350,407$958,368$861,740$1,095,733
58$1,435,127$952,306$837,586$1,109,002
59$1,526,817$944,277$810,952$1,122,503
60$1,626,137$934,131$781,704$1,136,303
61$1,733,811$921,711$749,699$1,150,484
62$1,850,634$906,849$714,788$1,165,140
63$1,977,482$889,369$676,817$1,180,381
64$2,115,319$869,081$635,624$1,196,332
65$2,265,203$845,788$591,039$1,213,138
66$2,428,300$819,278$542,886$1,230,967
67$2,605,893$789,329$490,978$1,250,008
68$2,799,392$755,704$435,124$1,270,479
69$3,010,351$718,154$375,121$1,292,626
70$3,240,477$676,414$310,759$1,316,731
71$3,491,654$630,207$241,817$1,343,110
72$3,765,951$579,235$168,066$1,372,123
73$4,065,648$523,188$89,267$1,404,176
74$4,393,255$461,734$5,168$1,439,726
75$4,751,534$394,527$0$1,479,287
76$5,143,528$321,196$0$1,549,611
77$5,572,586$241,353$0$1,628,583
78$6,042,398$154,587$0$1,715,420
79$6,557,025$60,464$0$1,811,030
80$7,120,940$0$0$1,916,424
81$7,739,070$0$0$2,053,719
82$8,416,841$0$0$2,237,975
83$9,160,228$0$0$2,440,231
84$9,975,815$0$0$2,662,298
85$10,870,850$0$0$2,906,170
86$11,853,321$0$0$3,174,045
87$12,932,023$0$0$3,468,344
88$14,116,647$0$0$3,791,733
89$15,417,868$0$0$4,147,151
90$16,847,446$0$0$4,537,835
91$18,418,334$0$0$4,967,350
92$20,144,805$0$0$5,439,625
93$22,042,581$0$0$5,958,990
94$24,128,986$0$0$6,530,211
95$26,423,103$0$0$7,158,545
96$28,945,958$0$0$7,849,779
97$31,720,717$0$0$8,610,293
98$34,772,903$0$0$9,447,114
99$38,130,636$0$0$10,367,986
100$41,824,902$0$0$11,381,440