Can I retire at age 52 with 913,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%19.7%
1 years$75,395$74,723$74,068$73,428$72,804$69,971
2 years$37,324$36,629$35,955$35,302$34,669$31,848
3 years$24,636$23,937$23,265$22,618$21,995$19,277
4 years$18,293$17,597$16,931$16,295$15,687$13,091
5 years$14,488$13,796$13,139$12,516$11,925$9,458
6 years$11,952$11,265$10,619$10,009$9,436$7,100
7 years$10,141$9,461$8,824$8,229$7,674$5,468
8 years$8,784$8,110$7,484$6,903$6,366$4,288
9 years$7,729$7,061$6,446$5,880$5,361$3,408
10 years$6,886$6,224$5,619$5,069$4,568$2,736
11 years$6,196$5,541$4,947$4,411$3,929$2,213
12 years$5,621$4,973$4,391$3,869$3,405$1,801
13 years$5,136$4,494$3,923$3,416$2,969$1,473
14 years$4,720$4,085$3,525$3,032$2,602$1,209
15 years$4,360$3,732$3,182$2,704$2,291$996
16 years$4,045$3,424$2,885$2,421$2,025$822
17 years$3,767$3,153$2,625$2,176$1,796$680
18 years$3,521$2,914$2,397$1,961$1,597$564
19 years$3,301$2,700$2,194$1,772$1,423$468
20 years$3,103$2,509$2,014$1,605$1,271$389
21 years$2,924$2,337$1,852$1,456$1,138$323
22 years$2,762$2,182$1,707$1,324$1,020$269
23 years$2,614$2,041$1,576$1,206$915$224
24 years$2,478$1,912$1,458$1,100$823$187
25 years$2,354$1,794$1,350$1,004$740$156
26 years$2,239$1,686$1,252$918$667$130
27 years$2,133$1,587$1,163$841$601$108
28 years$2,035$1,495$1,081$770$542$90
29 years$1,944$1,411$1,006$706$490$75
30 years$1,858$1,332$937$648$443$63
31 years$1,779$1,259$873$595$400$52
32 years$1,705$1,192$815$547$362$44
33 years$1,635$1,129$761$503$328$37
34 years$1,570$1,070$711$463$297$31
35 years$1,508$1,015$665$426$269$26
36 years$1,450$963$622$392$243$21
37 years$1,395$915$582$362$221$18
38 years$1,344$869$545$333$200$15
39 years$1,295$826$511$307$181$12
40 years$1,248$786$479$283$164$10
41 years$1,204$749$449$262$149$9
42 years$1,162$713$421$241$135$7
43 years$1,123$679$395$223$123$6
44 years$1,085$647$371$206$112$5
45 years$1,049$617$348$190$101$4
46 years$1,014$589$327$175$92$4
47 years$981$562$307$162$83$3
48 years$950$537$289$150$76$2
49 years$920$512$271$138$69$2
50 years$891$489$255$128$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $913,000, adding $3,585 every year, while hoping to spend $45,085 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: 52/40/8 Blend
51$913,000$913,000$913,000$913,000
52$1,009,824$961,435$947,283$1,060,130
53$1,064,856$960,575$931,047$1,093,854
54$1,123,990$958,162$912,756$1,125,330
55$1,187,597$954,072$892,294$1,158,489
56$1,256,085$948,174$869,538$1,193,499
57$1,329,899$940,329$844,362$1,230,550
58$1,409,532$930,388$816,631$1,269,848
59$1,495,524$918,196$786,207$1,311,626
60$1,588,466$903,587$752,944$1,356,142
61$1,689,011$886,384$716,689$1,403,684
62$1,797,874$866,401$677,283$1,454,570
63$1,915,845$843,442$634,559$1,509,156
64$2,043,788$817,298$588,343$1,567,836
65$2,182,655$787,746$538,454$1,631,049
66$2,333,495$754,555$484,701$1,699,280
67$2,497,459$717,476$426,886$1,773,069
68$2,675,815$676,247$364,802$1,853,017
69$2,869,956$630,592$298,231$1,939,788
70$3,081,419$580,217$226,949$2,034,121
71$3,311,890$524,815$150,718$2,136,833
72$3,563,229$464,056$69,293$2,248,833
73$3,837,480$397,597$0$2,371,126
74$4,136,895$325,072$0$2,506,329
75$4,463,953$246,094$0$2,660,586
76$4,821,380$160,257$0$2,829,367
77$5,212,182$67,131$0$3,014,214
78$5,639,664$0$0$3,216,829
79$6,107,469$0$0$3,453,951
80$6,619,605$0$0$3,745,981
81$7,180,488$0$0$4,065,899
82$7,794,981$0$0$4,416,490
83$8,468,437$0$0$4,800,821
84$9,206,754$0$0$5,222,271
85$10,016,428$0$0$5,684,559
86$10,904,611$0$0$6,191,783
87$11,879,185$0$0$6,748,457
88$12,948,827$0$0$7,359,553
89$14,123,099$0$0$8,030,547
90$15,412,531$0$0$8,767,473
91$16,828,726$0$0$9,576,977
92$18,384,461$0$0$10,466,379
93$20,093,817$0$0$11,443,746
94$21,972,303$0$0$12,517,962
95$24,037,005$0$0$13,698,818
96$26,306,747$0$0$14,997,098
97$28,802,269$0$0$16,424,684
98$31,546,420$0$0$17,994,667
99$34,564,374$0$0$19,721,470
100$37,883,865$0$0$21,620,985