Can I retire at age 52 with 999,000?

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 $999,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.9%
1 years$82,496$81,762$81,045$80,345$79,662$78,699
2 years$40,840$40,079$39,342$38,627$37,934$36,965
3 years$26,956$26,192$25,457$24,749$24,067$23,122
4 years$20,016$19,254$18,526$17,830$17,165$16,251
5 years$15,852$15,095$14,377$13,695$13,048$12,169
6 years$13,078$12,327$11,619$10,952$10,325$9,480
7 years$11,097$10,352$9,655$9,004$8,397$7,587
8 years$9,612$8,873$8,188$7,554$6,966$6,192
9 years$8,457$7,726$7,053$6,434$5,866$5,127
10 years$7,534$6,810$6,149$5,546$4,998$4,293
11 years$6,779$6,063$5,413$4,827$4,299$3,627
12 years$6,151$5,441$4,804$4,234$3,725$3,087
13 years$5,620$4,917$4,292$3,738$3,248$2,642
14 years$5,164$4,470$3,857$3,318$2,848$2,273
15 years$4,770$4,083$3,482$2,959$2,507$1,963
16 years$4,426$3,746$3,157$2,650$2,216$1,701
17 years$4,122$3,450$2,873$2,381$1,965$1,478
18 years$3,853$3,188$2,622$2,145$1,747$1,288
19 years$3,612$2,955$2,401$1,939$1,557$1,125
20 years$3,395$2,746$2,203$1,756$1,391$984
21 years$3,200$2,558$2,026$1,593$1,245$862
22 years$3,022$2,387$1,868$1,449$1,116$756
23 years$2,860$2,233$1,725$1,319$1,001$664
24 years$2,712$2,092$1,595$1,203$900$584
25 years$2,576$1,963$1,477$1,099$810$514
26 years$2,450$1,845$1,370$1,005$730$452
27 years$2,334$1,736$1,272$920$658$399
28 years$2,227$1,636$1,183$843$594$351
29 years$2,127$1,544$1,101$773$536$310
30 years$2,034$1,458$1,025$709$484$274
31 years$1,947$1,378$956$651$438$242
32 years$1,865$1,304$892$599$396$213
33 years$1,789$1,235$833$550$358$189
34 years$1,717$1,170$778$507$325$167
35 years$1,650$1,110$727$466$294$147
36 years$1,587$1,054$680$429$266$130
37 years$1,527$1,001$637$396$241$115
38 years$1,470$951$596$365$219$102
39 years$1,417$904$559$336$198$90
40 years$1,366$860$524$310$180$80
41 years$1,318$819$491$286$163$71
42 years$1,272$780$461$264$148$63
43 years$1,228$743$432$244$134$55
44 years$1,187$708$406$225$122$49
45 years$1,147$676$381$208$111$43
46 years$1,110$644$358$192$101$38
47 years$1,074$615$336$177$91$34
48 years$1,040$587$316$164$83$30
49 years$1,007$561$297$151$75$27
50 years$975$536$279$140$68$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $999,000, adding $3,300 every year, while hoping to spend $57,878 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: 51/19/30 Blend
51$999,000$999,000$999,000$999,000
52$1,104,302$1,051,355$1,035,870$1,151,114
53$1,155,359$1,041,290$1,008,990$1,174,107
54$1,209,684$1,028,791$979,270$1,193,072
55$1,267,549$1,013,679$946,553$1,212,580
56$1,329,253$995,763$910,676$1,232,712
57$1,395,121$974,840$871,468$1,253,557
58$1,465,512$950,696$828,751$1,275,218
59$1,540,818$923,103$782,338$1,297,813
60$1,621,468$891,822$732,033$1,321,475
61$1,707,934$856,598$677,632$1,346,355
62$1,800,734$817,162$618,923$1,372,625
63$1,900,435$773,229$555,683$1,400,478
64$2,007,660$724,498$487,680$1,430,133
65$2,123,094$670,651$414,670$1,461,835
66$2,247,488$611,351$336,399$1,495,860
67$2,381,666$546,242$252,603$1,532,521
68$2,526,537$474,948$163,006$1,572,165
69$2,683,095$397,072$67,318$1,615,185
70$2,852,436$312,194$0$1,662,019
71$3,035,763$219,870$0$1,724,296
72$3,234,399$119,632$0$1,815,146
73$3,449,800$10,986$0$1,913,716
74$3,683,564$0$0$2,020,802
75$3,937,452$0$0$2,159,565
76$4,213,398$0$0$2,312,971
77$4,513,532$0$0$2,479,919
78$4,840,197$0$0$2,661,723
79$5,195,969$0$0$2,859,829
80$5,583,685$0$0$3,075,830
81$6,006,467$0$0$3,311,479
82$6,467,750$0$0$3,568,705
83$6,971,315$0$0$3,849,630
84$7,521,325$0$0$4,156,592
85$8,122,363$0$0$4,492,166
86$8,779,473$0$0$4,859,183
87$9,498,211$0$0$5,260,763
88$10,284,691$0$0$5,700,342
89$11,145,649$0$0$6,181,702
90$12,088,500$0$0$6,709,008
91$13,121,410$0$0$7,286,848
92$14,253,374$0$0$7,920,273
93$15,494,295$0$0$8,614,848
94$16,855,084$0$0$9,376,701
95$18,347,755$0$0$10,212,582
96$19,985,542$0$0$11,129,925
97$21,783,022$0$0$12,136,921
98$23,756,253$0$0$13,242,591
99$25,922,920$0$0$14,456,871
100$28,302,509$0$0$15,790,709