Can I retire at age 52 with 917,000?

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 $917,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$75,725$75,050$74,392$73,750$73,123$72,784
2 years$37,488$36,789$36,113$35,457$34,820$34,479
3 years$24,743$24,042$23,367$22,717$22,092$21,757
4 years$18,373$17,674$17,005$16,367$15,756$15,431
5 years$14,551$13,856$13,197$12,571$11,977$11,664
6 years$12,004$11,315$10,665$10,053$9,477$9,175
7 years$10,186$9,502$8,863$8,265$7,708$7,417
8 years$8,823$8,145$7,516$6,934$6,394$6,115
9 years$7,763$7,092$6,474$5,906$5,385$5,117
10 years$6,916$6,251$5,644$5,091$4,588$4,332
11 years$6,223$5,565$4,969$4,431$3,946$3,701
12 years$5,646$4,995$4,410$3,886$3,419$3,185
13 years$5,158$4,514$3,940$3,431$2,982$2,758
14 years$4,741$4,103$3,540$3,046$2,614$2,401
15 years$4,379$3,748$3,196$2,716$2,301$2,099
16 years$4,063$3,439$2,898$2,432$2,034$1,841
17 years$3,784$3,167$2,637$2,185$1,804$1,620
18 years$3,537$2,926$2,407$1,969$1,604$1,430
19 years$3,315$2,712$2,204$1,779$1,429$1,265
20 years$3,117$2,520$2,022$1,612$1,277$1,121
21 years$2,937$2,348$1,860$1,463$1,143$995
22 years$2,774$2,191$1,714$1,330$1,024$885
23 years$2,625$2,050$1,583$1,211$919$788
24 years$2,489$1,920$1,464$1,105$826$702
25 years$2,364$1,802$1,356$1,009$744$627
26 years$2,249$1,694$1,258$922$670$560
27 years$2,142$1,594$1,168$844$604$500
28 years$2,044$1,502$1,086$774$545$447
29 years$1,952$1,417$1,010$709$492$401
30 years$1,867$1,338$941$651$445$359
31 years$1,787$1,265$877$598$402$321
32 years$1,712$1,197$818$549$364$288
33 years$1,642$1,134$764$505$329$259
34 years$1,576$1,074$714$465$298$232
35 years$1,515$1,019$668$428$270$208
36 years$1,456$967$625$394$244$187
37 years$1,401$919$585$363$222$168
38 years$1,349$873$547$335$201$151
39 years$1,300$830$513$309$182$135
40 years$1,254$790$481$285$165$122
41 years$1,209$752$451$263$150$109
42 years$1,167$716$423$242$136$98
43 years$1,128$682$397$224$123$88
44 years$1,090$650$372$207$112$79
45 years$1,053$620$350$191$102$71
46 years$1,019$592$328$176$92$64
47 years$986$565$309$163$84$58
48 years$954$539$290$150$76$52
49 years$924$515$273$139$69$47
50 years$895$492$256$129$63$42

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $917,000, adding $4,976 every year, while hoping to spend $33,565 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: 74/17/9 Blend
51$917,000$917,000$917,000$917,000
52$1,015,667$967,066$952,852$1,088,897
53$1,083,552$978,739$949,060$1,149,531
54$1,157,236$989,859$944,016$1,211,231
55$1,237,276$1,000,364$937,642$1,277,883
56$1,324,283$1,010,187$929,858$1,349,967
57$1,418,930$1,019,256$920,578$1,428,011
58$1,521,958$1,027,496$909,714$1,512,597
59$1,634,180$1,034,827$897,172$1,604,367
60$1,756,495$1,041,161$882,856$1,704,028
61$1,889,887$1,046,408$866,661$1,812,358
62$2,035,444$1,050,471$848,483$1,930,215
63$2,194,361$1,053,245$828,209$2,058,547
64$2,367,953$1,054,621$805,721$2,198,394
65$2,557,669$1,054,483$780,897$2,350,908
66$2,765,104$1,052,705$753,610$2,517,354
67$2,992,014$1,049,157$723,725$2,699,128
68$3,240,332$1,043,698$691,103$2,897,769
69$3,512,187$1,036,181$655,596$3,114,974
70$3,809,923$1,026,447$617,052$3,352,611
71$4,136,123$1,014,330$575,311$3,612,743
72$4,493,629$999,654$530,205$3,897,640
73$4,885,573$982,231$481,561$4,209,807
74$5,315,403$961,862$429,195$4,552,003
75$5,786,919$938,337$372,917$4,927,272
76$6,304,303$911,434$312,528$5,338,967
77$6,872,165$880,917$247,820$5,790,785
78$7,495,580$846,537$178,577$6,286,802
79$8,180,141$808,029$104,571$6,831,509
80$8,932,008$765,115$25,567$7,429,858
81$9,757,966$717,499$0$8,087,309
82$10,665,491$664,869$0$8,815,517
83$11,662,818$606,895$0$9,618,462
84$12,759,020$543,227$0$10,501,021
85$13,964,093$473,498$0$11,471,281
86$15,289,048$397,317$0$12,538,151
87$16,746,018$314,272$0$13,711,452
88$18,348,369$223,929$0$15,002,007
89$20,110,830$125,829$0$16,421,743
90$22,049,626$19,486$0$17,983,807
91$24,182,635$0$0$19,702,686
92$26,529,555$0$0$21,612,233
93$29,112,090$0$0$23,717,543
94$31,954,154$0$0$26,034,471
95$35,082,097$0$0$28,584,506
96$38,524,951$0$0$31,391,321
97$42,314,708$0$0$34,481,004
98$46,486,616$0$0$37,882,299
99$51,079,517$0$0$41,626,880
100$56,136,209$0$0$45,749,647