Can I retire at age 52 with 917,000?

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 $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%16.1%
1 years$75,725$75,050$74,392$73,750$73,123$71,297
2 years$37,488$36,789$36,113$35,457$34,820$32,993
3 years$24,743$24,042$23,367$22,717$22,092$20,319
4 years$18,373$17,674$17,005$16,367$15,756$14,052
5 years$14,551$13,856$13,197$12,571$11,977$10,347
6 years$12,004$11,315$10,665$10,053$9,477$7,922
7 years$10,186$9,502$8,863$8,265$7,708$6,227
8 years$8,823$8,145$7,516$6,934$6,394$4,988
9 years$7,763$7,092$6,474$5,906$5,385$4,052
10 years$6,916$6,251$5,644$5,091$4,588$3,328
11 years$6,223$5,565$4,969$4,431$3,946$2,755
12 years$5,646$4,995$4,410$3,886$3,419$2,297
13 years$5,158$4,514$3,940$3,431$2,982$1,925
14 years$4,741$4,103$3,540$3,046$2,614$1,620
15 years$4,379$3,748$3,196$2,716$2,301$1,369
16 years$4,063$3,439$2,898$2,432$2,034$1,160
17 years$3,784$3,167$2,637$2,185$1,804$985
18 years$3,537$2,926$2,407$1,969$1,604$839
19 years$3,315$2,712$2,204$1,779$1,429$715
20 years$3,117$2,520$2,022$1,612$1,277$611
21 years$2,937$2,348$1,860$1,463$1,143$522
22 years$2,774$2,191$1,714$1,330$1,024$447
23 years$2,625$2,050$1,583$1,211$919$383
24 years$2,489$1,920$1,464$1,105$826$328
25 years$2,364$1,802$1,356$1,009$744$282
26 years$2,249$1,694$1,258$922$670$242
27 years$2,142$1,594$1,168$844$604$208
28 years$2,044$1,502$1,086$774$545$178
29 years$1,952$1,417$1,010$709$492$153
30 years$1,867$1,338$941$651$445$132
31 years$1,787$1,265$877$598$402$113
32 years$1,712$1,197$818$549$364$97
33 years$1,642$1,134$764$505$329$84
34 years$1,576$1,074$714$465$298$72
35 years$1,515$1,019$668$428$270$62
36 years$1,456$967$625$394$244$53
37 years$1,401$919$585$363$222$46
38 years$1,349$873$547$335$201$40
39 years$1,300$830$513$309$182$34
40 years$1,254$790$481$285$165$29
41 years$1,209$752$451$263$150$25
42 years$1,167$716$423$242$136$22
43 years$1,128$682$397$224$123$19
44 years$1,090$650$372$207$112$16
45 years$1,053$620$350$191$102$14
46 years$1,019$592$328$176$92$12
47 years$986$565$309$163$84$10
48 years$954$539$290$150$76$9
49 years$924$515$273$139$69$8
50 years$895$492$256$129$63$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $917,000, adding $2,630 every year, while hoping to spend $34,610 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: 44/30/26 Blend
51$917,000$917,000$917,000$917,000
52$1,013,247$964,646$950,432$1,050,083
53$1,079,773$975,089$945,447$1,086,987
54$1,151,925$984,883$939,135$1,123,437
55$1,230,240$993,961$931,415$1,162,275
56$1,315,310$1,002,250$922,201$1,203,740
57$1,407,783$1,009,672$911,407$1,248,100
58$1,508,375$1,016,144$898,937$1,295,651
59$1,617,872$1,021,579$884,695$1,346,720
60$1,737,142$1,025,882$868,579$1,401,671
61$1,867,136$1,028,956$850,481$1,460,905
62$2,008,902$1,030,693$830,291$1,524,868
63$2,163,595$1,030,982$807,891$1,594,052
64$2,332,485$1,029,704$783,159$1,669,003
65$2,516,971$1,026,731$755,966$1,750,325
66$2,718,590$1,021,930$726,180$1,838,687
67$2,939,039$1,015,157$693,660$1,934,827
68$3,180,183$1,006,262$658,259$2,039,563
69$3,444,077$995,084$619,826$2,153,801
70$3,732,983$981,452$578,200$2,278,540
71$4,049,391$965,188$533,214$2,414,888
72$4,396,046$946,099$484,694$2,564,068
73$4,775,969$923,984$432,457$2,727,432
74$5,192,487$898,629$376,314$2,906,474
75$5,649,265$869,806$316,065$3,102,849
76$6,150,340$837,276$251,502$3,318,381
77$6,700,157$800,785$182,410$3,555,088
78$7,303,613$760,063$108,561$3,815,200
79$7,966,103$714,828$29,719$4,101,179
80$8,693,569$664,778$0$4,415,746
81$9,492,557$609,596$0$4,777,003
82$10,370,277$548,946$0$5,182,951
83$11,334,673$482,472$0$5,629,077
84$12,394,497$409,800$0$6,119,504
85$13,559,388$330,533$0$6,658,784
86$14,839,969$244,252$0$7,251,932
87$16,247,942$150,516$0$7,904,484
88$17,796,197$48,857$0$8,622,543
89$19,498,941$0$0$9,412,840
90$21,371,821$0$0$10,303,009
91$23,432,081$0$0$11,300,105
92$25,698,717$0$0$12,397,210
93$28,192,663$0$0$13,604,471
94$30,936,980$0$0$14,933,070
95$33,957,080$0$0$16,395,325
96$37,280,964$0$0$18,004,811
97$40,939,481$0$0$19,776,486
98$44,966,628$0$0$21,726,830
99$49,399,859$0$0$23,874,003
100$54,280,449$0$0$26,238,015