Can I retire at age 52 with 900,000?

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 $900,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$74,321$73,659$73,013$72,383$71,767$69,470
2 years$36,793$36,107$35,443$34,799$34,175$31,882
3 years$24,285$23,597$22,934$22,296$21,682$19,465
4 years$18,032$17,346$16,690$16,063$15,464$13,339
5 years$14,281$13,599$12,952$12,338$11,755$9,730
6 years$11,782$11,105$10,467$9,867$9,302$7,376
7 years$9,997$9,326$8,698$8,112$7,565$5,739
8 years$8,659$7,994$7,377$6,805$6,276$4,549
9 years$7,619$6,960$6,354$5,796$5,285$3,656
10 years$6,787$6,135$5,539$4,997$4,503$2,968
11 years$6,108$5,462$4,877$4,348$3,873$2,429
12 years$5,541$4,902$4,328$3,814$3,356$2,001
13 years$5,063$4,430$3,867$3,367$2,927$1,657
14 years$4,653$4,027$3,474$2,989$2,565$1,377
15 years$4,298$3,679$3,137$2,666$2,259$1,149
16 years$3,987$3,375$2,844$2,387$1,996$961
17 years$3,714$3,108$2,588$2,145$1,770$806
18 years$3,471$2,872$2,362$1,933$1,574$677
19 years$3,254$2,662$2,163$1,746$1,403$569
20 years$3,059$2,474$1,985$1,582$1,253$480
21 years$2,883$2,304$1,826$1,436$1,121$404
22 years$2,722$2,151$1,683$1,305$1,005$341
23 years$2,577$2,012$1,554$1,189$902$288
24 years$2,443$1,885$1,437$1,084$811$244
25 years$2,320$1,769$1,331$990$730$206
26 years$2,207$1,662$1,234$905$657$174
27 years$2,103$1,564$1,146$829$593$148
28 years$2,006$1,474$1,065$759$535$125
29 years$1,916$1,391$991$696$483$106
30 years$1,832$1,313$924$639$436$90
31 years$1,754$1,242$861$587$394$76
32 years$1,680$1,175$803$539$357$64
33 years$1,612$1,113$750$496$323$55
34 years$1,547$1,054$701$456$292$46
35 years$1,487$1,000$655$420$265$39
36 years$1,429$949$613$387$240$33
37 years$1,375$902$574$356$217$28
38 years$1,324$857$537$329$197$24
39 years$1,276$815$503$303$179$20
40 years$1,230$775$472$279$162$17
41 years$1,187$738$442$258$147$15
42 years$1,146$703$415$238$133$12
43 years$1,107$670$389$220$121$10
44 years$1,069$638$366$203$110$9
45 years$1,034$609$343$187$100$8
46 years$1,000$581$322$173$91$6
47 years$968$554$303$160$82$5
48 years$937$529$285$148$75$5
49 years$907$505$267$136$68$4
50 years$879$482$251$126$62$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $900,000, adding $2,685 every year, while hoping to spend $25,516 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: 79/13/8 Blend
51$900,000$900,000$900,000$900,000
52$994,570$946,870$932,920$1,071,863
53$1,068,867$966,117$937,024$1,142,190
54$1,149,887$985,453$940,410$1,215,718
55$1,238,290$1,004,854$943,027$1,295,621
56$1,334,799$1,024,296$944,823$1,382,521
57$1,440,214$1,043,752$945,740$1,477,106
58$1,555,413$1,063,193$945,719$1,580,133
59$1,681,364$1,082,588$944,699$1,692,433
60$1,819,131$1,101,903$942,615$1,814,925
61$1,969,889$1,121,102$939,399$1,948,619
62$2,134,927$1,140,146$934,979$2,094,628
63$2,315,669$1,158,993$929,280$2,254,178
64$2,513,681$1,177,597$922,224$2,428,621
65$2,730,687$1,195,910$913,729$2,619,445
66$2,968,586$1,213,879$903,708$2,828,289
67$3,229,472$1,231,449$892,072$3,056,959
68$3,515,648$1,248,559$878,726$3,307,446
69$3,829,651$1,265,146$863,572$3,581,943
70$4,174,279$1,281,142$846,504$3,882,865
71$4,552,610$1,296,472$827,417$4,212,874
72$4,968,036$1,311,059$806,195$4,574,904
73$5,424,293$1,324,819$782,720$4,972,187
74$5,925,499$1,337,663$756,869$5,408,283
75$6,476,188$1,349,496$728,512$5,887,118
76$7,081,355$1,360,217$697,513$6,413,015
77$7,746,503$1,369,718$663,730$6,990,739
78$8,477,697$1,377,884$627,015$7,625,541
79$9,281,615$1,384,594$587,214$8,323,207
80$10,165,618$1,389,717$544,163$9,090,113
81$11,137,813$1,393,115$497,695$9,933,285
82$12,207,134$1,394,642$447,632$10,860,466
83$13,383,424$1,394,142$393,790$11,880,189
84$14,677,527$1,391,448$335,975$13,001,856
85$16,101,392$1,386,386$273,987$14,235,829
86$17,668,183$1,378,769$207,616$15,593,527
87$19,392,408$1,368,399$136,641$17,087,533
88$21,290,049$1,355,065$60,833$18,731,715
89$23,378,717$1,338,546$0$20,541,355
90$25,677,817$1,318,606$0$22,535,007
91$28,208,731$1,294,995$0$24,735,169
92$30,995,020$1,267,448$0$27,157,119
93$34,062,643$1,235,684$0$29,823,419
94$37,440,207$1,199,407$0$32,758,932
95$41,159,233$1,158,303$0$35,991,057
96$45,254,453$1,112,038$0$39,549,987
97$49,764,141$1,060,261$0$43,468,992
98$54,730,469$1,002,600$0$47,784,738
99$60,199,910$938,660$0$52,537,628
100$66,223,672$868,026$0$57,772,188