Can I retire at age 52 with 999,000?

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 $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%12.3%
1 years$82,496$81,762$81,045$80,345$79,662$78,895
2 years$40,840$40,079$39,342$38,627$37,934$37,162
3 years$26,956$26,192$25,457$24,749$24,067$23,313
4 years$20,016$19,254$18,526$17,830$17,165$16,435
5 years$15,852$15,095$14,377$13,695$13,048$12,345
6 years$13,078$12,327$11,619$10,952$10,325$9,649
7 years$11,097$10,352$9,655$9,004$8,397$7,748
8 years$9,612$8,873$8,188$7,554$6,966$6,345
9 years$8,457$7,726$7,053$6,434$5,866$5,272
10 years$7,534$6,810$6,149$5,546$4,998$4,431
11 years$6,779$6,063$5,413$4,827$4,299$3,758
12 years$6,151$5,441$4,804$4,234$3,725$3,210
13 years$5,620$4,917$4,292$3,738$3,248$2,759
14 years$5,164$4,470$3,857$3,318$2,848$2,382
15 years$4,770$4,083$3,482$2,959$2,507$2,066
16 years$4,426$3,746$3,157$2,650$2,216$1,798
17 years$4,122$3,450$2,873$2,381$1,965$1,569
18 years$3,853$3,188$2,622$2,145$1,747$1,373
19 years$3,612$2,955$2,401$1,939$1,557$1,204
20 years$3,395$2,746$2,203$1,756$1,391$1,058
21 years$3,200$2,558$2,026$1,593$1,245$931
22 years$3,022$2,387$1,868$1,449$1,116$820
23 years$2,860$2,233$1,725$1,319$1,001$724
24 years$2,712$2,092$1,595$1,203$900$639
25 years$2,576$1,963$1,477$1,099$810$565
26 years$2,450$1,845$1,370$1,005$730$500
27 years$2,334$1,736$1,272$920$658$443
28 years$2,227$1,636$1,183$843$594$392
29 years$2,127$1,544$1,101$773$536$348
30 years$2,034$1,458$1,025$709$484$308
31 years$1,947$1,378$956$651$438$274
32 years$1,865$1,304$892$599$396$243
33 years$1,789$1,235$833$550$358$216
34 years$1,717$1,170$778$507$325$192
35 years$1,650$1,110$727$466$294$170
36 years$1,587$1,054$680$429$266$151
37 years$1,527$1,001$637$396$241$135
38 years$1,470$951$596$365$219$120
39 years$1,417$904$559$336$198$106
40 years$1,366$860$524$310$180$95
41 years$1,318$819$491$286$163$84
42 years$1,272$780$461$264$148$75
43 years$1,228$743$432$244$134$67
44 years$1,187$708$406$225$122$59
45 years$1,147$676$381$208$111$53
46 years$1,110$644$358$192$101$47
47 years$1,074$615$336$177$91$42
48 years$1,040$587$316$164$83$37
49 years$1,007$561$297$151$75$33
50 years$975$536$279$140$68$29

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $999,000, adding $4,941 every year, while hoping to spend $28,735 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: 72/5/23 Blend
51$999,000$999,000$999,000$999,000
52$1,105,995$1,053,048$1,037,563$1,178,981
53$1,188,232$1,074,073$1,041,748$1,249,311
54$1,277,895$1,095,166$1,045,109$1,322,439
55$1,375,710$1,116,299$1,047,590$1,401,830
56$1,482,477$1,137,442$1,049,129$1,488,104
57$1,599,078$1,158,565$1,049,663$1,581,943
58$1,726,482$1,179,632$1,049,125$1,684,098
59$1,865,756$1,200,607$1,047,444$1,795,399
60$2,018,076$1,221,450$1,044,546$1,916,757
61$2,184,737$1,242,118$1,040,355$2,049,180
62$2,367,162$1,262,564$1,034,789$2,193,776
63$2,566,922$1,282,738$1,027,763$2,351,767
64$2,785,743$1,302,588$1,019,189$2,524,502
65$3,025,530$1,322,056$1,008,973$2,713,465
66$3,288,378$1,341,081$997,017$2,920,291
67$3,576,595$1,359,596$983,220$3,146,786
68$3,892,724$1,377,532$967,474$3,394,937
69$4,239,564$1,394,814$949,666$3,666,936
70$4,620,200$1,411,360$929,681$3,965,197
71$5,038,029$1,427,085$907,394$4,292,383
72$5,496,793$1,441,898$882,677$4,651,427
73$6,000,616$1,455,701$855,396$5,045,564
74$6,554,037$1,468,389$825,410$5,478,358
75$7,162,060$1,479,851$792,573$5,953,739
76$7,830,197$1,489,970$756,731$6,476,035
77$8,564,517$1,498,619$717,722$7,050,019
78$9,371,712$1,505,665$675,379$7,680,953
79$10,259,148$1,510,965$629,526$8,374,635
80$11,234,947$1,514,367$579,980$9,137,454
81$12,308,051$1,515,712$526,550$9,976,454
82$13,488,318$1,514,826$469,035$10,899,398
83$14,786,604$1,511,531$407,225$11,914,843
84$16,214,873$1,505,631$340,903$13,032,218
85$17,786,307$1,496,924$269,840$14,261,919
86$19,515,429$1,485,192$193,798$15,615,400
87$21,418,241$1,470,205$112,529$17,105,287
88$23,512,376$1,451,719$25,773$18,745,496
89$25,817,261$1,429,476$0$20,551,365
90$28,354,303$1,403,202$0$22,556,192
91$31,147,089$1,372,606$0$24,770,028
92$34,221,609$1,337,381$0$27,207,146
93$37,606,503$1,297,202$0$29,890,251
94$41,333,326$1,251,724$0$32,844,363
95$45,436,850$1,200,583$0$36,097,051
96$49,955,390$1,143,393$0$39,678,696
97$54,931,167$1,079,747$0$43,622,775
98$60,410,703$1,009,212$0$47,966,178
99$66,445,264$931,332$0$52,749,555
100$73,091,339$845,625$0$58,017,704