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%19.7%
1 years$75,725$75,050$74,392$73,750$73,123$70,277
2 years$37,488$36,789$36,113$35,457$34,820$31,988
3 years$24,743$24,042$23,367$22,717$22,092$19,361
4 years$18,373$17,674$17,005$16,367$15,756$13,148
5 years$14,551$13,856$13,197$12,571$11,977$9,500
6 years$12,004$11,315$10,665$10,053$9,477$7,131
7 years$10,186$9,502$8,863$8,265$7,708$5,492
8 years$8,823$8,145$7,516$6,934$6,394$4,307
9 years$7,763$7,092$6,474$5,906$5,385$3,423
10 years$6,916$6,251$5,644$5,091$4,588$2,748
11 years$6,223$5,565$4,969$4,431$3,946$2,223
12 years$5,646$4,995$4,410$3,886$3,419$1,809
13 years$5,158$4,514$3,940$3,431$2,982$1,480
14 years$4,741$4,103$3,540$3,046$2,614$1,215
15 years$4,379$3,748$3,196$2,716$2,301$1,000
16 years$4,063$3,439$2,898$2,432$2,034$826
17 years$3,784$3,167$2,637$2,185$1,804$683
18 years$3,537$2,926$2,407$1,969$1,604$566
19 years$3,315$2,712$2,204$1,779$1,429$470
20 years$3,117$2,520$2,022$1,612$1,277$390
21 years$2,937$2,348$1,860$1,463$1,143$325
22 years$2,774$2,191$1,714$1,330$1,024$270
23 years$2,625$2,050$1,583$1,211$919$225
24 years$2,489$1,920$1,464$1,105$826$187
25 years$2,364$1,802$1,356$1,009$744$156
26 years$2,249$1,694$1,258$922$670$130
27 years$2,142$1,594$1,168$844$604$109
28 years$2,044$1,502$1,086$774$545$91
29 years$1,952$1,417$1,010$709$492$76
30 years$1,867$1,338$941$651$445$63
31 years$1,787$1,265$877$598$402$53
32 years$1,712$1,197$818$549$364$44
33 years$1,642$1,134$764$505$329$37
34 years$1,576$1,074$714$465$298$31
35 years$1,515$1,019$668$428$270$26
36 years$1,456$967$625$394$244$21
37 years$1,401$919$585$363$222$18
38 years$1,349$873$547$335$201$15
39 years$1,300$830$513$309$182$12
40 years$1,254$790$481$285$165$10
41 years$1,209$752$451$263$150$9
42 years$1,167$716$423$242$136$7
43 years$1,128$682$397$224$123$6
44 years$1,090$650$372$207$112$5
45 years$1,053$620$350$191$102$4
46 years$1,019$592$328$176$92$4
47 years$986$565$309$163$84$3
48 years$954$539$290$150$76$2
49 years$924$515$273$139$69$2
50 years$895$492$256$129$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $917,000, adding $4,237 every year, while hoping to spend $43,431 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: 36/43/21 Blend
51$917,000$917,000$917,000$917,000
52$1,014,904$966,303$952,090$1,044,857
53$1,072,214$967,442$937,775$1,068,279
54$1,133,914$967,181$921,524$1,089,206
55$1,200,406$965,405$903,228$1,110,910
56$1,272,132$961,994$882,770$1,133,486
57$1,349,576$956,818$860,029$1,157,043
58$1,433,271$949,741$834,879$1,181,703
59$1,523,803$940,617$807,186$1,207,603
60$1,621,816$929,292$776,812$1,234,900
61$1,728,018$915,604$743,612$1,263,770
62$1,843,187$899,380$707,434$1,294,411
63$1,968,179$880,437$668,120$1,327,045
64$2,103,936$858,580$625,504$1,361,923
65$2,251,492$833,605$579,413$1,399,325
66$2,411,986$805,294$529,666$1,439,567
67$2,586,673$773,418$476,074$1,483,000
68$2,776,931$737,733$418,439$1,530,019
69$2,984,277$697,981$356,556$1,581,066
70$3,210,382$653,890$290,209$1,636,634
71$3,457,083$605,173$219,174$1,697,273
72$3,726,404$551,525$143,214$1,763,598
73$4,020,571$492,624$62,086$1,836,294
74$4,342,037$428,130$0$1,916,125
75$4,693,501$357,684$0$2,009,431
76$5,077,934$280,907$0$2,126,872
77$5,498,608$197,396$0$2,255,641
78$5,959,128$106,730$0$2,396,975
79$6,463,459$8,460$0$2,552,246
80$7,015,972$0$0$2,722,974
81$7,621,479$0$0$2,957,158
82$8,285,278$0$0$3,218,408
83$9,013,206$0$0$3,505,033
84$9,811,693$0$0$3,819,582
85$10,687,818$0$0$4,164,862
86$11,649,381$0$0$4,543,964
87$12,704,972$0$0$4,960,294
88$13,864,056$0$0$5,417,605
89$15,137,056$0$0$5,920,030
90$16,535,456$0$0$6,472,121
91$18,071,907$0$0$7,078,895
92$19,760,347$0$0$7,745,879
93$21,616,127$0$0$8,479,161
94$23,656,165$0$0$9,285,449
95$25,899,095$0$0$10,172,132
96$28,365,449$0$0$11,147,353
97$31,077,847$0$0$12,220,084
98$34,061,212$0$0$13,400,207
99$37,343,004$0$0$14,698,614
100$40,953,476$0$0$16,127,303