Can I retire at age 52 with 919,000?

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 $919,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$75,890$75,214$74,555$73,911$73,282$72,912
2 years$37,569$36,870$36,192$35,534$34,896$34,523
3 years$24,797$24,095$23,418$22,767$22,140$21,774
4 years$18,413$17,712$17,043$16,402$15,790$15,436
5 years$14,583$13,887$13,226$12,599$12,003$11,661
6 years$12,031$11,339$10,688$10,075$9,498$9,168
7 years$10,208$9,523$8,882$8,283$7,724$7,407
8 years$8,842$8,163$7,533$6,949$6,408$6,103
9 years$7,780$7,107$6,488$5,919$5,397$5,104
10 years$6,931$6,265$5,656$5,102$4,598$4,318
11 years$6,236$5,577$4,980$4,440$3,955$3,687
12 years$5,658$5,006$4,419$3,895$3,427$3,172
13 years$5,170$4,524$3,948$3,438$2,988$2,745
14 years$4,751$4,112$3,548$3,052$2,620$2,387
15 years$4,388$3,756$3,203$2,722$2,306$2,086
16 years$4,072$3,446$2,904$2,437$2,038$1,828
17 years$3,792$3,174$2,643$2,190$1,807$1,608
18 years$3,544$2,933$2,412$1,974$1,607$1,418
19 years$3,323$2,718$2,208$1,783$1,432$1,253
20 years$3,123$2,526$2,027$1,615$1,279$1,110
21 years$2,943$2,353$1,864$1,466$1,145$985
22 years$2,780$2,196$1,718$1,333$1,026$875
23 years$2,631$2,054$1,586$1,214$921$778
24 years$2,495$1,924$1,467$1,107$828$693
25 years$2,369$1,806$1,359$1,011$745$618
26 years$2,254$1,697$1,260$924$671$552
27 years$2,147$1,597$1,170$846$605$493
28 years$2,048$1,505$1,088$775$546$440
29 years$1,956$1,420$1,012$711$493$394
30 years$1,871$1,341$943$652$446$353
31 years$1,791$1,268$879$599$403$316
32 years$1,716$1,200$820$551$364$283
33 years$1,646$1,136$766$506$330$253
34 years$1,580$1,077$716$466$299$227
35 years$1,518$1,021$669$429$270$204
36 years$1,460$969$626$395$245$183
37 years$1,404$921$586$364$222$164
38 years$1,352$875$549$335$201$147
39 years$1,303$832$514$309$183$132
40 years$1,256$792$482$285$166$119
41 years$1,212$753$452$263$150$106
42 years$1,170$718$424$243$136$96
43 years$1,130$684$398$224$124$86
44 years$1,092$652$373$207$112$77
45 years$1,056$621$350$191$102$69
46 years$1,021$593$329$177$93$62
47 years$988$566$309$163$84$56
48 years$956$540$291$151$76$50
49 years$926$516$273$139$69$45
50 years$897$493$257$129$63$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $919,000, adding $4,262 every year, while hoping to spend $42,615 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: 44/41/15 Blend
51$919,000$919,000$919,000$919,000
52$1,017,134$968,427$954,183$1,057,313
53$1,075,540$970,538$940,806$1,087,949
54$1,138,475$971,324$925,553$1,116,538
55$1,206,356$970,676$908,315$1,146,604
56$1,279,641$968,475$888,980$1,178,301
57$1,358,833$964,600$867,430$1,211,802
58$1,444,486$958,918$843,542$1,247,300
59$1,537,208$951,289$817,185$1,285,008
60$1,637,668$941,566$788,224$1,325,168
61$1,746,599$929,592$756,519$1,368,046
62$1,864,811$915,201$721,922$1,413,940
63$1,993,193$898,217$684,277$1,463,181
64$2,132,722$878,453$643,424$1,516,139
65$2,284,474$855,712$599,192$1,573,223
66$2,449,632$829,783$551,407$1,634,891
67$2,629,499$800,447$499,884$1,701,650
68$2,825,508$767,469$444,430$1,774,064
69$3,039,235$730,600$384,844$1,852,761
70$3,272,416$689,579$320,915$1,938,437
71$3,526,962$644,128$252,425$2,031,865
72$3,804,976$593,953$179,145$2,133,903
73$4,108,772$538,746$100,835$2,245,504
74$4,440,900$478,177$17,246$2,367,724
75$4,804,165$411,902$0$2,501,734
76$5,201,658$339,552$0$2,660,350
77$5,636,780$260,743$0$2,837,189
78$6,113,277$175,066$0$3,031,129
79$6,635,277$82,090$0$3,243,984
80$7,207,321$0$0$3,477,761
81$7,834,414$0$0$3,743,090
82$8,522,067$0$0$4,074,766
83$9,276,350$0$0$4,438,694
84$10,103,948$0$0$4,838,114
85$11,012,225$0$0$5,276,595
86$12,009,293$0$0$5,758,069
87$13,104,088$0$0$6,286,866
88$14,306,452$0$0$6,867,756
89$15,627,228$0$0$7,505,995
90$17,078,361$0$0$8,207,374
91$18,673,010$0$0$8,978,269
92$20,425,672$0$0$9,825,709
93$22,352,318$0$0$10,757,435
94$24,470,544$0$0$11,781,977
95$26,799,734$0$0$12,908,731
96$29,361,248$0$0$14,148,051
97$32,178,616$0$0$15,511,344
98$35,277,765$0$0$17,011,180
99$38,687,261$0$0$18,661,406
100$42,438,577$0$0$20,477,280