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%17.5%
1 years$75,395$74,723$74,068$73,428$72,804$70,586
2 years$37,324$36,629$35,955$35,302$34,669$32,454
3 years$24,636$23,937$23,265$22,618$21,995$19,852
4 years$18,293$17,597$16,931$16,295$15,687$13,632
5 years$14,488$13,796$13,139$12,516$11,925$9,964
6 years$11,952$11,265$10,619$10,009$9,436$7,571
7 years$10,141$9,461$8,824$8,229$7,674$5,904
8 years$8,784$8,110$7,484$6,903$6,366$4,691
9 years$7,729$7,061$6,446$5,880$5,361$3,779
10 years$6,886$6,224$5,619$5,069$4,568$3,076
11 years$6,196$5,541$4,947$4,411$3,929$2,524
12 years$5,621$4,973$4,391$3,869$3,405$2,085
13 years$5,136$4,494$3,923$3,416$2,969$1,731
14 years$4,720$4,085$3,525$3,032$2,602$1,443
15 years$4,360$3,732$3,182$2,704$2,291$1,207
16 years$4,045$3,424$2,885$2,421$2,025$1,012
17 years$3,767$3,153$2,625$2,176$1,796$851
18 years$3,521$2,914$2,397$1,961$1,597$717
19 years$3,301$2,700$2,194$1,772$1,423$605
20 years$3,103$2,509$2,014$1,605$1,271$511
21 years$2,924$2,337$1,852$1,456$1,138$432
22 years$2,762$2,182$1,707$1,324$1,020$366
23 years$2,614$2,041$1,576$1,206$915$310
24 years$2,478$1,912$1,458$1,100$823$263
25 years$2,354$1,794$1,350$1,004$740$223
26 years$2,239$1,686$1,252$918$667$189
27 years$2,133$1,587$1,163$841$601$161
28 years$2,035$1,495$1,081$770$542$137
29 years$1,944$1,411$1,006$706$490$116
30 years$1,858$1,332$937$648$443$99
31 years$1,779$1,259$873$595$400$84
32 years$1,705$1,192$815$547$362$71
33 years$1,635$1,129$761$503$328$61
34 years$1,570$1,070$711$463$297$52
35 years$1,508$1,015$665$426$269$44
36 years$1,450$963$622$392$243$37
37 years$1,395$915$582$362$221$32
38 years$1,344$869$545$333$200$27
39 years$1,295$826$511$307$181$23
40 years$1,248$786$479$283$164$20
41 years$1,204$749$449$262$149$17
42 years$1,162$713$421$241$135$14
43 years$1,123$679$395$223$123$12
44 years$1,085$647$371$206$112$10
45 years$1,049$617$348$190$101$9
46 years$1,014$589$327$175$92$7
47 years$981$562$307$162$83$6
48 years$950$537$289$150$76$5
49 years$920$512$271$138$69$5
50 years$891$489$255$128$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $913,000, adding $3,695 every year, while hoping to spend $49,434 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: 77/11/12 Blend
51$913,000$913,000$913,000$913,000
52$1,009,937$961,548$947,397$1,085,086
53$1,060,354$956,067$926,537$1,129,608
54$1,114,255$948,660$903,322$1,171,758
55$1,171,946$939,181$877,620$1,216,580
56$1,233,759$927,475$849,294$1,264,321
57$1,300,058$913,377$818,201$1,315,256
58$1,371,244$896,712$784,191$1,369,684
59$1,447,756$877,296$747,107$1,427,938
60$1,530,076$854,933$706,784$1,490,385
61$1,618,735$829,416$663,052$1,557,428
62$1,714,313$800,525$615,732$1,629,515
63$1,817,451$768,028$564,637$1,707,137
64$1,928,849$731,679$509,570$1,790,837
65$2,049,279$691,219$450,328$1,881,216
66$2,179,589$646,373$386,698$1,978,935
67$2,320,711$596,849$318,457$2,084,723
68$2,473,671$542,341$245,371$2,199,386
69$2,639,593$482,524$167,200$2,323,813
70$2,819,719$417,055$83,688$2,458,985
71$3,015,410$345,571$0$2,605,983
72$3,228,166$267,688$0$2,766,697
73$3,459,637$183,003$0$2,953,229
74$3,711,637$91,087$0$3,156,344
75$3,986,163$0$0$3,377,683
76$4,285,413$0$0$3,620,087
77$4,611,805$0$0$3,896,532
78$4,968,002$0$0$4,198,250
79$5,356,933$0$0$4,527,729
80$5,781,824$0$0$4,887,704
81$6,246,226$0$0$5,281,188
82$6,754,049$0$0$5,711,498
83$7,309,597$0$0$6,182,286
84$7,917,611$0$0$6,697,574
85$8,583,308$0$0$7,261,788
86$9,312,436$0$0$7,879,806
87$10,111,325$0$0$8,556,996
88$10,986,945$0$0$9,299,275
89$11,946,972$0$0$10,113,153
90$12,999,862$0$0$11,005,806
91$14,154,927$0$0$11,985,134
92$15,422,425$0$0$13,059,841
93$16,813,654$0$0$14,239,513
94$18,341,059$0$0$15,534,711
95$20,018,351$0$0$16,957,065
96$21,860,632$0$0$18,519,391
97$23,884,538$0$0$20,235,804
98$26,108,398$0$0$22,121,855
99$28,552,402$0$0$24,194,677
100$31,238,794$0$0$26,473,143