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%14.3%
1 years$75,395$74,723$74,068$73,428$72,804$71,510
2 years$37,324$36,629$35,955$35,302$34,669$33,369
3 years$24,636$23,937$23,265$22,618$21,995$20,731
4 years$18,293$17,597$16,931$16,295$15,687$14,468
5 years$14,488$13,796$13,139$12,516$11,925$10,754
6 years$11,952$11,265$10,619$10,009$9,436$8,315
7 years$10,141$9,461$8,824$8,229$7,674$6,603
8 years$8,784$8,110$7,484$6,903$6,366$5,345
9 years$7,729$7,061$6,446$5,880$5,361$4,389
10 years$6,886$6,224$5,619$5,069$4,568$3,644
11 years$6,196$5,541$4,947$4,411$3,929$3,052
12 years$5,621$4,973$4,391$3,869$3,405$2,574
13 years$5,136$4,494$3,923$3,416$2,969$2,183
14 years$4,720$4,085$3,525$3,032$2,602$1,861
15 years$4,360$3,732$3,182$2,704$2,291$1,592
16 years$4,045$3,424$2,885$2,421$2,025$1,366
17 years$3,767$3,153$2,625$2,176$1,796$1,175
18 years$3,521$2,914$2,397$1,961$1,597$1,014
19 years$3,301$2,700$2,194$1,772$1,423$876
20 years$3,103$2,509$2,014$1,605$1,271$758
21 years$2,924$2,337$1,852$1,456$1,138$657
22 years$2,762$2,182$1,707$1,324$1,020$571
23 years$2,614$2,041$1,576$1,206$915$496
24 years$2,478$1,912$1,458$1,100$823$431
25 years$2,354$1,794$1,350$1,004$740$375
26 years$2,239$1,686$1,252$918$667$327
27 years$2,133$1,587$1,163$841$601$285
28 years$2,035$1,495$1,081$770$542$248
29 years$1,944$1,411$1,006$706$490$217
30 years$1,858$1,332$937$648$443$189
31 years$1,779$1,259$873$595$400$165
32 years$1,705$1,192$815$547$362$144
33 years$1,635$1,129$761$503$328$126
34 years$1,570$1,070$711$463$297$110
35 years$1,508$1,015$665$426$269$96
36 years$1,450$963$622$392$243$84
37 years$1,395$915$582$362$221$73
38 years$1,344$869$545$333$200$64
39 years$1,295$826$511$307$181$56
40 years$1,248$786$479$283$164$49
41 years$1,204$749$449$262$149$43
42 years$1,162$713$421$241$135$37
43 years$1,123$679$395$223$123$33
44 years$1,085$647$371$206$112$29
45 years$1,049$617$348$190$101$25
46 years$1,014$589$327$175$92$22
47 years$981$562$307$162$83$19
48 years$950$537$289$150$76$17
49 years$920$512$271$138$69$15
50 years$891$489$255$128$63$13

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $913,000, adding $6,442 every year, while hoping to spend $20,389 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: 35/49/16 Blend
51$913,000$913,000$913,000$913,000
52$1,012,771$964,382$950,230$1,043,025
53$1,094,380$989,943$960,369$1,091,161
54$1,183,629$1,016,073$970,165$1,140,680
55$1,281,278$1,042,779$979,583$1,193,673
56$1,388,159$1,070,066$988,590$1,250,460
57$1,505,192$1,097,940$997,149$1,311,391
58$1,633,389$1,126,406$1,005,221$1,376,854
59$1,773,864$1,155,470$1,012,765$1,447,273
60$1,927,845$1,185,134$1,019,739$1,523,118
61$2,096,682$1,215,403$1,026,097$1,604,904
62$2,281,865$1,246,279$1,031,793$1,693,199
63$2,485,033$1,277,765$1,036,776$1,788,627
64$2,707,993$1,309,861$1,040,994$1,891,879
65$2,952,733$1,342,569$1,044,393$2,003,712
66$3,221,446$1,375,889$1,046,914$2,124,962
67$3,516,544$1,409,818$1,048,496$2,256,550
68$3,840,687$1,444,355$1,049,077$2,399,489
69$4,196,805$1,479,497$1,048,589$2,554,897
70$4,588,125$1,515,237$1,046,962$2,724,004
71$5,018,201$1,551,572$1,044,123$2,908,167
72$5,490,951$1,588,492$1,039,994$3,108,879
73$6,010,690$1,625,990$1,034,496$3,327,787
74$6,582,171$1,664,054$1,027,542$3,566,706
75$7,210,633$1,702,673$1,019,045$3,827,634
76$7,901,845$1,741,832$1,008,911$4,112,775
77$8,662,167$1,781,516$997,043$4,424,558
78$9,498,604$1,821,705$983,340$4,765,656
79$10,418,873$1,862,380$967,693$5,139,021
80$11,431,478$1,903,518$949,991$5,547,900
81$12,545,791$1,945,092$930,118$5,995,877
82$13,772,136$1,987,075$907,951$6,486,898
83$15,121,887$2,029,436$883,361$7,025,314
84$16,607,581$2,072,139$856,215$7,615,920
85$18,243,028$2,115,148$826,372$8,264,000
86$20,043,447$2,158,421$793,685$8,975,380
87$22,025,608$2,201,912$758,003$9,756,477
88$24,207,987$2,245,573$719,163$10,614,368
89$26,610,945$2,289,350$676,998$11,556,850
90$29,256,918$2,333,184$631,335$12,592,518
91$32,170,628$2,377,014$581,988$13,730,845
92$35,379,315$2,420,771$528,768$14,982,271
93$38,912,998$2,464,382$471,474$16,358,304
94$42,804,753$2,507,766$409,899$17,871,626
95$47,091,031$2,550,840$343,823$19,536,215
96$51,811,995$2,593,510$273,020$21,367,480
97$57,011,904$2,635,678$197,252$23,382,399
98$62,739,529$2,677,237$116,271$25,599,689
99$69,048,613$2,718,073$29,818$28,039,977
100$75,998,378$2,758,065$0$30,725,997