Can I retire at age 52 with 914,000?

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 $914,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%20%
1 years$75,477$74,805$74,149$73,509$72,884$69,964
2 years$37,365$36,669$35,995$35,341$34,706$31,802
3 years$24,663$23,964$23,291$22,643$22,019$19,221
4 years$18,313$17,616$16,950$16,313$15,704$13,034
5 years$14,504$13,811$13,154$12,530$11,938$9,402
6 years$11,965$11,278$10,630$10,020$9,446$7,046
7 years$10,153$9,471$8,834$8,238$7,682$5,417
8 years$8,794$8,118$7,492$6,911$6,373$4,240
9 years$7,738$7,069$6,453$5,887$5,367$3,364
10 years$6,893$6,231$5,626$5,074$4,573$2,695
11 years$6,203$5,547$4,953$4,416$3,933$2,176
12 years$5,628$4,978$4,395$3,874$3,408$1,768
13 years$5,141$4,499$3,927$3,420$2,972$1,443
14 years$4,725$4,090$3,528$3,036$2,605$1,182
15 years$4,365$3,736$3,186$2,707$2,294$971
16 years$4,049$3,428$2,888$2,424$2,027$800
17 years$3,772$3,157$2,628$2,178$1,798$660
18 years$3,525$2,917$2,399$1,963$1,598$546
19 years$3,305$2,703$2,196$1,774$1,425$452
20 years$3,106$2,512$2,016$1,606$1,273$375
21 years$2,927$2,340$1,854$1,458$1,139$311
22 years$2,765$2,184$1,709$1,326$1,021$258
23 years$2,617$2,043$1,578$1,207$916$214
24 years$2,481$1,914$1,459$1,101$824$178
25 years$2,356$1,796$1,351$1,006$741$148
26 years$2,242$1,688$1,253$919$668$123
27 years$2,135$1,589$1,164$842$602$103
28 years$2,037$1,497$1,082$771$543$85
29 years$1,946$1,412$1,007$707$490$71
30 years$1,861$1,334$938$649$443$59
31 years$1,781$1,261$874$596$401$49
32 years$1,707$1,193$816$548$362$41
33 years$1,637$1,130$762$504$328$34
34 years$1,571$1,071$712$463$297$28
35 years$1,510$1,016$665$427$269$24
36 years$1,452$964$622$393$244$20
37 years$1,397$916$583$362$221$16
38 years$1,345$870$546$334$200$14
39 years$1,296$827$511$308$182$11
40 years$1,250$787$479$284$165$10
41 years$1,206$749$449$262$149$8
42 years$1,164$714$421$242$136$7
43 years$1,124$680$395$223$123$6
44 years$1,086$648$371$206$112$5
45 years$1,050$618$349$190$101$4
46 years$1,015$590$327$176$92$3
47 years$983$563$308$162$84$3
48 years$951$537$289$150$76$2
49 years$921$513$272$139$69$2
50 years$892$490$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 $914,000, adding $2,918 every year, while hoping to spend $23,004 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: 61/29/10 Blend
51$914,000$914,000$914,000$914,000
52$1,010,238$961,796$947,629$1,069,387
53$1,088,806$984,448$954,898$1,132,038
54$1,174,617$1,007,439$961,640$1,197,474
55$1,268,386$1,030,761$967,813$1,268,303
56$1,370,899$1,054,405$973,372$1,345,047
57$1,483,021$1,078,362$978,271$1,428,280
58$1,605,708$1,102,621$982,462$1,518,635
59$1,740,008$1,127,167$985,892$1,616,808
60$1,887,078$1,151,987$988,509$1,723,566
61$2,048,191$1,177,066$990,255$1,839,756
62$2,224,750$1,202,386$991,072$1,966,308
63$2,418,299$1,227,926$990,897$2,104,248
64$2,630,538$1,253,668$989,665$2,254,707
65$2,863,341$1,279,585$987,306$2,418,929
66$3,118,771$1,305,655$983,751$2,598,287
67$3,399,102$1,331,848$978,922$2,794,291
68$3,706,836$1,358,134$972,742$3,008,609
69$4,044,731$1,384,480$965,126$3,243,075
70$4,415,825$1,410,851$955,989$3,499,710
71$4,823,464$1,437,208$945,240$3,780,745
72$5,271,335$1,463,509$932,784$4,088,634
73$5,763,499$1,489,709$918,520$4,426,084
74$6,304,430$1,515,759$902,345$4,796,076
75$6,899,058$1,541,606$884,149$5,201,897
76$7,552,812$1,567,195$863,818$5,647,168
77$8,271,675$1,592,465$841,232$6,135,881
78$9,062,240$1,617,349$816,267$6,672,434
79$9,931,768$1,641,779$788,792$7,261,674
80$10,888,261$1,665,679$758,669$7,908,943
81$11,940,535$1,688,969$725,756$8,620,128
82$13,098,304$1,711,562$689,903$9,401,718
83$14,372,270$1,733,368$650,954$10,260,863
84$15,774,226$1,754,287$608,745$11,205,443
85$17,317,164$1,774,215$563,106$12,244,143
86$19,015,403$1,793,039$513,857$13,386,536
87$20,884,716$1,810,640$460,814$14,643,169
88$22,942,486$1,826,890$403,780$16,025,668
89$25,207,865$1,841,654$342,552$17,546,847
90$27,701,959$1,854,786$276,919$19,220,827
91$30,448,021$1,866,133$206,658$21,063,169
92$33,471,676$1,875,530$131,538$23,091,025
93$36,801,160$1,882,804$51,317$25,323,299
94$40,467,585$1,887,768$0$27,780,822
95$44,505,236$1,890,226$0$30,490,213
96$48,951,890$1,889,967$0$33,479,198
97$53,849,178$1,886,771$0$36,770,211
98$59,242,972$1,880,400$0$40,394,017
99$65,183,819$1,870,604$0$44,384,520
100$71,727,422$1,857,116$0$48,779,083