Can I retire at age 52 with 903,000?

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 $903,000?

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$74,569$73,905$73,257$72,624$72,006$69,177
2 years$36,915$36,228$35,561$34,915$34,289$31,473
3 years$24,366$23,675$23,011$22,371$21,754$19,040
4 years$18,092$17,404$16,746$16,117$15,515$12,924
5 years$14,329$13,645$12,995$12,379$11,794$9,333
6 years$11,821$11,142$10,502$9,900$9,333$7,002
7 years$10,030$9,357$8,727$8,139$7,590$5,389
8 years$8,688$8,021$7,402$6,828$6,297$4,224
9 years$7,644$6,983$6,375$5,816$5,303$3,355
10 years$6,810$6,156$5,558$5,013$4,518$2,691
11 years$6,128$5,480$4,893$4,363$3,886$2,176
12 years$5,560$4,919$4,342$3,827$3,367$1,770
13 years$5,080$4,445$3,880$3,379$2,936$1,446
14 years$4,668$4,040$3,486$2,999$2,574$1,187
15 years$4,312$3,691$3,147$2,675$2,266$977
16 years$4,001$3,386$2,854$2,395$2,003$806
17 years$3,726$3,119$2,597$2,152$1,776$666
18 years$3,483$2,882$2,370$1,939$1,579$552
19 years$3,265$2,671$2,170$1,752$1,408$457
20 years$3,069$2,482$1,991$1,587$1,257$380
21 years$2,892$2,312$1,832$1,440$1,125$315
22 years$2,732$2,158$1,688$1,310$1,008$262
23 years$2,585$2,018$1,559$1,193$905$218
24 years$2,451$1,891$1,442$1,088$814$182
25 years$2,328$1,775$1,335$993$732$151
26 years$2,215$1,668$1,238$908$660$126
27 years$2,110$1,570$1,150$831$595$105
28 years$2,013$1,479$1,069$762$537$88
29 years$1,922$1,395$995$699$484$73
30 years$1,838$1,318$927$641$438$61
31 years$1,760$1,246$864$589$396$51
32 years$1,686$1,179$806$541$358$42
33 years$1,617$1,116$753$498$324$35
34 years$1,552$1,058$703$458$293$30
35 years$1,492$1,003$657$421$266$25
36 years$1,434$952$615$388$241$21
37 years$1,380$905$576$358$218$17
38 years$1,329$860$539$330$198$14
39 years$1,280$817$505$304$179$12
40 years$1,235$778$473$280$163$10
41 years$1,191$740$444$259$148$8
42 years$1,150$705$416$239$134$7
43 years$1,110$672$391$220$122$6
44 years$1,073$640$367$203$110$5
45 years$1,037$611$344$188$100$4
46 years$1,003$583$323$174$91$3
47 years$971$556$304$160$83$3
48 years$940$531$286$148$75$2
49 years$910$507$268$137$68$2
50 years$882$484$252$127$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $903,000, adding $3,251 every year, while hoping to spend $59,002 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: 44/48/8 Blend
51$903,000$903,000$903,000$903,000
52$998,459$950,600$936,604$1,039,979
53$1,037,525$934,402$905,202$1,052,869
54$1,078,597$915,433$870,772$1,060,527
55$1,121,819$893,494$833,147$1,067,472
56$1,167,345$868,376$792,159$1,073,660
57$1,215,345$839,857$747,627$1,079,047
58$1,266,003$807,702$699,364$1,083,588
59$1,319,518$771,662$647,176$1,087,239
60$1,376,109$731,475$590,857$1,089,956
61$1,436,016$686,861$530,195$1,091,699
62$1,499,499$637,527$464,966$1,092,427
63$1,566,844$583,161$394,938$1,092,103
64$1,638,361$523,434$319,867$1,090,691
65$1,714,391$458,000$239,500$1,088,162
66$1,795,307$386,490$153,571$1,084,489
67$1,881,517$308,517$61,804$1,079,653
68$1,973,467$223,670$0$1,073,639
69$2,071,648$131,517$0$1,069,526
70$2,176,595$31,601$0$1,070,065
71$2,288,897$0$0$1,070,017
72$2,409,197$0$0$1,109,877
73$2,538,203$0$0$1,170,593
74$2,676,691$0$0$1,235,849
75$2,825,511$0$0$1,306,055
76$2,985,599$0$0$1,381,663
77$3,157,980$0$0$1,463,168
78$3,343,782$0$0$1,551,115
79$3,544,241$0$0$1,646,102
80$3,760,718$0$0$1,748,786
81$3,994,707$0$0$1,859,889
82$4,247,850$0$0$1,980,206
83$4,521,953$0$0$2,110,609
84$4,819,001$0$0$2,252,059
85$5,141,175$0$0$2,405,610
86$5,490,876$0$0$2,572,425
87$5,870,744$0$0$2,753,781
88$6,283,682$0$0$2,951,082
89$6,732,884$0$0$3,165,875
90$7,221,865$0$0$3,399,861
91$7,754,493$0$0$3,654,912
92$8,335,022$0$0$3,933,089
93$8,968,137$0$0$4,236,660
94$9,658,992$0$0$4,568,120
95$10,413,262$0$0$4,930,217
96$11,237,193$0$0$5,325,977
97$12,137,660$0$0$5,758,730
98$13,122,235$0$0$6,232,144
99$14,199,252$0$0$6,750,255
100$15,377,889$0$0$7,317,510