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%15.5%
1 years$75,890$75,214$74,555$73,911$73,282$71,627
2 years$37,569$36,870$36,192$35,534$34,896$33,238
3 years$24,797$24,095$23,418$22,767$22,140$20,529
4 years$18,413$17,712$17,043$16,402$15,790$14,240
5 years$14,583$13,887$13,226$12,599$12,003$10,519
6 years$12,031$11,339$10,688$10,075$9,498$8,080
7 years$10,208$9,523$8,882$8,283$7,724$6,373
8 years$8,842$8,163$7,533$6,949$6,408$5,123
9 years$7,780$7,107$6,488$5,919$5,397$4,177
10 years$6,931$6,265$5,656$5,102$4,598$3,443
11 years$6,236$5,577$4,980$4,440$3,955$2,862
12 years$5,658$5,006$4,419$3,895$3,427$2,395
13 years$5,170$4,524$3,948$3,438$2,988$2,015
14 years$4,751$4,112$3,548$3,052$2,620$1,703
15 years$4,388$3,756$3,203$2,722$2,306$1,445
16 years$4,072$3,446$2,904$2,437$2,038$1,229
17 years$3,792$3,174$2,643$2,190$1,807$1,049
18 years$3,544$2,933$2,412$1,974$1,607$897
19 years$3,323$2,718$2,208$1,783$1,432$768
20 years$3,123$2,526$2,027$1,615$1,279$659
21 years$2,943$2,353$1,864$1,466$1,145$566
22 years$2,780$2,196$1,718$1,333$1,026$487
23 years$2,631$2,054$1,586$1,214$921$419
24 years$2,495$1,924$1,467$1,107$828$361
25 years$2,369$1,806$1,359$1,011$745$311
26 years$2,254$1,697$1,260$924$671$268
27 years$2,147$1,597$1,170$846$605$232
28 years$2,048$1,505$1,088$775$546$200
29 years$1,956$1,420$1,012$711$493$173
30 years$1,871$1,341$943$652$446$149
31 years$1,791$1,268$879$599$403$129
32 years$1,716$1,200$820$551$364$111
33 years$1,646$1,136$766$506$330$96
34 years$1,580$1,077$716$466$299$83
35 years$1,518$1,021$669$429$270$72
36 years$1,460$969$626$395$245$62
37 years$1,404$921$586$364$222$54
38 years$1,352$875$549$335$201$47
39 years$1,303$832$514$309$183$40
40 years$1,256$792$482$285$166$35
41 years$1,212$753$452$263$150$30
42 years$1,170$718$424$243$136$26
43 years$1,130$684$398$224$124$23
44 years$1,092$652$373$207$112$20
45 years$1,056$621$350$191$102$17
46 years$1,021$593$329$177$93$15
47 years$988$566$309$163$84$13
48 years$956$540$291$151$76$11
49 years$926$516$273$139$69$10
50 years$897$493$257$129$63$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $919,000, adding $6,074 every year, while hoping to spend $39,649 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: 60/13/27 Blend
51$919,000$919,000$919,000$919,000
52$1,019,003$970,296$956,052$1,072,386
53$1,080,755$975,655$945,893$1,114,824
54$1,147,477$979,947$934,066$1,156,328
55$1,219,634$983,078$920,471$1,200,776
56$1,297,737$984,949$905,007$1,248,466
57$1,382,348$985,454$887,567$1,299,725
58$1,474,085$984,478$868,038$1,354,914
59$1,573,628$981,903$846,303$1,414,434
60$1,681,723$977,602$822,239$1,478,728
61$1,799,192$971,438$795,718$1,548,284
62$1,926,941$963,270$766,605$1,623,644
63$2,065,963$952,944$734,761$1,705,406
64$2,217,353$940,300$700,037$1,794,231
65$2,382,316$925,168$662,281$1,890,848
66$2,562,177$907,366$621,333$1,996,066
67$2,758,396$886,703$577,023$2,110,776
68$2,972,577$862,976$529,178$2,235,963
69$3,206,488$835,971$477,615$2,372,716
70$3,462,076$805,460$422,141$2,522,238
71$3,741,483$771,202$362,557$2,685,855
72$4,047,066$732,943$298,655$2,865,036
73$4,381,424$690,414$230,217$3,061,400
74$4,747,415$643,330$157,015$3,276,735
75$5,148,188$591,390$78,812$3,513,017
76$5,587,211$534,276$0$3,772,425
77$6,068,303$471,652$0$4,058,705
78$6,595,669$403,162$0$4,397,492
79$7,173,940$328,430$0$4,769,070
80$7,808,219$247,060$0$5,176,757
81$8,504,124$158,633$0$5,624,209
82$9,267,845$62,706$0$6,115,458
83$10,106,199$0$0$6,654,949
84$11,026,695$0$0$7,253,469
85$12,037,606$0$0$7,920,706
86$13,148,046$0$0$8,653,714
87$14,368,052$0$0$9,459,129
88$15,708,684$0$0$10,344,263
89$17,182,126$0$0$11,317,170
90$18,801,801$0$0$12,386,723
91$20,582,496$0$0$13,562,701
92$22,540,504$0$0$14,855,872
93$24,693,774$0$0$16,278,105
94$27,062,083$0$0$17,842,475
95$29,667,220$0$0$19,563,386
96$32,533,192$0$0$21,456,710
97$35,686,451$0$0$23,539,937
98$39,156,141$0$0$25,832,334
99$42,974,375$0$0$28,355,132
100$47,176,533$0$0$31,131,724