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%19.8%
1 years$74,321$73,659$73,013$72,383$71,767$68,947
2 years$36,793$36,107$35,443$34,799$34,175$31,368
3 years$24,285$23,597$22,934$22,296$21,682$18,977
4 years$18,032$17,346$16,690$16,063$15,464$12,881
5 years$14,281$13,599$12,952$12,338$11,755$9,302
6 years$11,782$11,105$10,467$9,867$9,302$6,978
7 years$9,997$9,326$8,698$8,112$7,565$5,371
8 years$8,659$7,994$7,377$6,805$6,276$4,210
9 years$7,619$6,960$6,354$5,796$5,285$3,344
10 years$6,787$6,135$5,539$4,997$4,503$2,682
11 years$6,108$5,462$4,877$4,348$3,873$2,169
12 years$5,541$4,902$4,328$3,814$3,356$1,764
13 years$5,063$4,430$3,867$3,367$2,927$1,442
14 years$4,653$4,027$3,474$2,989$2,565$1,183
15 years$4,298$3,679$3,137$2,666$2,259$973
16 years$3,987$3,375$2,844$2,387$1,996$803
17 years$3,714$3,108$2,588$2,145$1,770$664
18 years$3,471$2,872$2,362$1,933$1,574$550
19 years$3,254$2,662$2,163$1,746$1,403$456
20 years$3,059$2,474$1,985$1,582$1,253$378
21 years$2,883$2,304$1,826$1,436$1,121$314
22 years$2,722$2,151$1,683$1,305$1,005$261
23 years$2,577$2,012$1,554$1,189$902$218
24 years$2,443$1,885$1,437$1,084$811$181
25 years$2,320$1,769$1,331$990$730$151
26 years$2,207$1,662$1,234$905$657$126
27 years$2,103$1,564$1,146$829$593$105
28 years$2,006$1,474$1,065$759$535$87
29 years$1,916$1,391$991$696$483$73
30 years$1,832$1,313$924$639$436$61
31 years$1,754$1,242$861$587$394$51
32 years$1,680$1,175$803$539$357$42
33 years$1,612$1,113$750$496$323$35
34 years$1,547$1,054$701$456$292$29
35 years$1,487$1,000$655$420$265$25
36 years$1,429$949$613$387$240$20
37 years$1,375$902$574$356$217$17
38 years$1,324$857$537$329$197$14
39 years$1,276$815$503$303$179$12
40 years$1,230$775$472$279$162$10
41 years$1,187$738$442$258$147$8
42 years$1,146$703$415$238$133$7
43 years$1,107$670$389$220$121$6
44 years$1,069$638$366$203$110$5
45 years$1,034$609$343$187$100$4
46 years$1,000$581$322$173$91$3
47 years$968$554$303$160$82$3
48 years$937$529$285$148$75$2
49 years$907$505$267$136$68$2
50 years$879$482$251$126$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $900,000, adding $4,439 every year, while hoping to spend $31,104 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: 59/20/21 Blend
51$900,000$900,000$900,000$900,000
52$996,379$948,679$934,729$1,049,375
53$1,064,915$962,070$932,948$1,099,260
54$1,139,400$975,074$930,065$1,149,871
55$1,220,406$987,641$926,010$1,204,379
56$1,308,566$999,714$920,710$1,263,167
57$1,404,574$1,011,234$914,088$1,326,658
58$1,509,195$1,022,139$906,064$1,395,317
59$1,623,270$1,032,361$896,554$1,469,661
60$1,747,725$1,041,828$885,470$1,550,256
61$1,883,579$1,050,463$872,719$1,637,730
62$2,031,954$1,058,186$858,206$1,732,773
63$2,194,085$1,064,909$841,827$1,836,150
64$2,371,332$1,070,540$823,479$1,948,701
65$2,565,192$1,074,980$803,050$2,071,355
66$2,777,313$1,078,126$780,423$2,205,138
67$3,009,511$1,079,866$755,479$2,351,180
68$3,263,783$1,080,081$728,090$2,510,727
69$3,542,331$1,078,647$698,123$2,685,156
70$3,847,579$1,075,431$665,440$2,875,986
71$4,182,195$1,070,291$629,895$3,084,890
72$4,549,121$1,063,077$591,339$3,313,717
73$4,951,594$1,053,630$549,611$3,564,503
74$5,393,181$1,041,782$504,547$3,839,497
75$5,877,810$1,027,354$455,974$4,141,178
76$6,409,809$1,010,156$403,712$4,472,281
77$6,993,944$989,989$347,571$4,835,822
78$7,635,466$966,639$287,355$5,235,129
79$8,340,161$939,881$222,858$5,673,869
80$9,114,399$909,477$153,865$6,156,091
81$9,965,201$875,174$80,153$6,686,256
82$10,900,301$836,707$1,487$7,269,287
83$11,928,218$793,792$0$7,910,610
84$13,058,339$746,131$0$8,634,690
85$14,301,007$693,408$0$9,431,204
86$15,667,613$635,290$0$10,307,157
87$17,170,713$571,422$0$11,270,637
88$18,824,137$501,433$0$12,330,558
89$20,643,123$424,927$0$13,496,743
90$22,644,462$341,489$0$14,780,022
91$24,846,653$250,678$0$16,192,331
92$27,270,081$152,030$0$17,746,824
93$29,937,203$45,053$0$19,458,001
94$32,872,767$0$0$21,341,842
95$36,104,042$0$0$23,431,536
96$39,661,071$0$0$25,742,903
97$43,576,961$0$0$28,287,553
98$47,888,191$0$0$31,089,201
99$52,634,958$0$0$34,173,982
100$57,861,553$0$0$37,570,691