Can I retire at age 52 with 915,000?

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 $915,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.8%
1 years$75,560$74,887$74,230$73,589$72,963$70,096
2 years$37,406$36,709$36,034$35,379$34,744$31,891
3 years$24,690$23,990$23,316$22,668$22,043$19,293
4 years$18,333$17,635$16,968$16,331$15,721$13,096
5 years$14,519$13,826$13,168$12,544$11,951$9,457
6 years$11,978$11,290$10,642$10,031$9,457$7,095
7 years$10,164$9,481$8,843$8,247$7,691$5,461
8 years$8,803$8,127$7,500$6,918$6,380$4,280
9 years$7,746$7,076$6,460$5,893$5,373$3,399
10 years$6,901$6,237$5,632$5,080$4,578$2,727
11 years$6,209$5,553$4,958$4,421$3,937$2,205
12 years$5,634$4,984$4,400$3,878$3,412$1,793
13 years$5,147$4,504$3,931$3,424$2,975$1,466
14 years$4,730$4,094$3,532$3,039$2,608$1,202
15 years$4,369$3,740$3,189$2,710$2,296$990
16 years$4,054$3,431$2,891$2,427$2,030$816
17 years$3,776$3,160$2,631$2,180$1,800$675
18 years$3,529$2,920$2,402$1,965$1,600$559
19 years$3,308$2,706$2,199$1,776$1,426$463
20 years$3,110$2,515$2,018$1,608$1,274$385
21 years$2,931$2,342$1,856$1,459$1,140$320
22 years$2,768$2,187$1,711$1,327$1,022$266
23 years$2,620$2,045$1,580$1,208$917$221
24 years$2,484$1,916$1,461$1,102$824$184
25 years$2,359$1,798$1,353$1,007$742$153
26 years$2,244$1,690$1,255$920$668$128
27 years$2,138$1,590$1,165$842$603$106
28 years$2,039$1,499$1,083$772$544$89
29 years$1,948$1,414$1,008$708$491$74
30 years$1,863$1,335$939$650$444$62
31 years$1,783$1,262$875$597$401$51
32 years$1,708$1,194$817$548$363$43
33 years$1,639$1,131$763$504$328$36
34 years$1,573$1,072$712$464$297$30
35 years$1,511$1,017$666$427$269$25
36 years$1,453$965$623$393$244$21
37 years$1,398$917$583$362$221$17
38 years$1,347$871$546$334$200$15
39 years$1,297$828$512$308$182$12
40 years$1,251$788$480$284$165$10
41 years$1,207$750$450$262$150$8
42 years$1,165$714$422$242$136$7
43 years$1,125$681$396$223$123$6
44 years$1,087$649$372$206$112$5
45 years$1,051$619$349$190$101$4
46 years$1,017$590$328$176$92$3
47 years$984$563$308$162$84$3
48 years$952$538$289$150$76$2
49 years$922$514$272$139$69$2
50 years$893$491$256$128$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $915,000, adding $5,216 every year, while hoping to spend $43,237 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: 36/44/20 Blend
51$915,000$915,000$915,000$915,000
52$1,013,710$965,215$951,033$1,043,893
53$1,071,105$966,507$936,889$1,067,674
54$1,132,905$966,413$920,821$1,088,921
55$1,199,513$964,819$902,721$1,110,966
56$1,271,374$961,606$882,473$1,133,906
57$1,348,974$956,645$859,956$1,157,851
58$1,432,849$949,800$835,044$1,182,924
59$1,523,587$940,927$807,605$1,209,264
60$1,621,835$929,874$777,501$1,237,031
61$1,728,303$916,480$744,589$1,266,400
62$1,843,774$900,571$708,717$1,297,573
63$1,969,107$881,968$669,727$1,330,774
64$2,105,249$860,476$627,455$1,366,255
65$2,253,238$835,894$581,729$1,404,300
66$2,414,220$808,004$532,369$1,445,226
67$2,589,453$776,579$479,186$1,489,388
68$2,780,323$741,377$421,985$1,537,184
69$2,988,354$702,143$360,559$1,589,059
70$3,215,225$658,606$294,696$1,645,509
71$3,462,781$610,481$224,171$1,707,088
72$3,733,055$557,465$148,752$1,774,417
73$4,028,284$499,239$68,193$1,848,184
74$4,350,933$435,465$0$1,929,158
75$4,703,712$365,787$0$2,021,991
76$5,089,608$289,828$0$2,139,617
77$5,511,908$207,189$0$2,268,590
78$5,974,232$117,451$0$2,410,151
79$6,480,566$20,169$0$2,565,677
80$7,035,301$0$0$2,736,691
81$7,643,271$0$0$2,966,100
82$8,309,800$0$0$3,228,443
83$9,040,754$0$0$3,516,277
84$9,842,590$0$0$3,832,165
85$10,722,423$0$0$4,178,926
86$11,688,090$0$0$4,559,667
87$12,748,223$0$0$4,977,810
88$13,912,329$0$0$5,437,125
89$15,190,883$0$0$5,941,764
90$16,595,424$0$0$6,496,304
91$18,138,663$0$0$7,105,783
92$19,834,603$0$0$7,775,756
93$21,698,672$0$0$8,512,339
94$23,747,865$0$0$9,322,272
95$26,000,908$0$0$10,212,981
96$28,478,430$0$0$11,192,648
97$31,203,160$0$0$12,270,285
98$34,200,141$0$0$13,455,826
99$37,496,963$0$0$14,760,211
100$41,124,025$0$0$16,195,498