Can I retire at age 52 with 906,000?

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 $906,000?

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$74,817$74,150$73,500$72,865$72,246$69,407
2 years$37,038$36,348$35,680$35,031$34,403$31,577
3 years$24,447$23,754$23,087$22,445$21,826$19,103
4 years$18,152$17,462$16,801$16,170$15,567$12,967
5 years$14,377$13,690$13,039$12,420$11,834$9,364
6 years$11,860$11,179$10,537$9,933$9,364$7,025
7 years$10,064$9,388$8,756$8,166$7,615$5,407
8 years$8,717$8,047$7,426$6,850$6,317$4,238
9 years$7,670$7,007$6,396$5,835$5,320$3,366
10 years$6,833$6,176$5,576$5,030$4,533$2,700
11 years$6,148$5,498$4,909$4,377$3,899$2,183
12 years$5,578$4,935$4,357$3,840$3,378$1,776
13 years$5,096$4,460$3,893$3,390$2,946$1,451
14 years$4,684$4,054$3,497$3,009$2,583$1,191
15 years$4,326$3,703$3,158$2,684$2,274$980
16 years$4,014$3,398$2,863$2,403$2,010$808
17 years$3,739$3,129$2,605$2,159$1,782$668
18 years$3,494$2,891$2,378$1,946$1,584$553
19 years$3,276$2,680$2,177$1,758$1,412$459
20 years$3,079$2,490$1,998$1,592$1,261$381
21 years$2,902$2,319$1,838$1,445$1,129$316
22 years$2,741$2,165$1,694$1,314$1,012$263
23 years$2,594$2,025$1,564$1,197$908$219
24 years$2,459$1,897$1,446$1,091$816$182
25 years$2,336$1,780$1,340$997$735$152
26 years$2,222$1,673$1,242$911$662$127
27 years$2,117$1,575$1,154$834$597$105
28 years$2,019$1,484$1,073$764$538$88
29 years$1,929$1,400$998$701$486$73
30 years$1,844$1,322$930$643$439$61
31 years$1,765$1,250$867$591$397$51
32 years$1,692$1,183$809$543$359$43
33 years$1,623$1,120$755$499$325$35
34 years$1,558$1,061$705$459$294$30
35 years$1,496$1,007$660$423$267$25
36 years$1,439$956$617$389$242$21
37 years$1,385$908$578$359$219$17
38 years$1,333$863$541$331$198$14
39 years$1,285$820$507$305$180$12
40 years$1,239$780$475$281$163$10
41 years$1,195$743$445$260$148$8
42 years$1,153$707$418$239$134$7
43 years$1,114$674$392$221$122$6
44 years$1,076$642$368$204$111$5
45 years$1,041$613$345$189$100$4
46 years$1,007$584$324$174$91$3
47 years$974$558$305$161$83$3
48 years$943$532$286$149$75$2
49 years$913$508$269$137$68$2
50 years$885$486$253$127$62$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $906,000, adding $4,338 every year, while hoping to spend $32,718 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: 56/36/8 Blend
51$906,000$906,000$906,000$906,000
52$1,002,887$954,869$940,826$1,056,939
53$1,070,369$966,846$937,532$1,105,877
54$1,143,639$978,313$933,031$1,155,136
55$1,223,251$989,211$927,248$1,207,991
56$1,309,816$999,476$920,104$1,264,789
57$1,404,008$1,009,041$911,518$1,325,911
58$1,506,565$1,017,832$901,403$1,391,782
59$1,618,304$1,025,775$889,669$1,462,866
60$1,740,118$1,032,785$876,220$1,539,678
61$1,872,995$1,038,777$860,959$1,622,786
62$2,018,021$1,043,657$843,781$1,712,815
63$2,176,389$1,047,326$824,578$1,810,458
64$2,349,416$1,049,680$803,236$1,916,476
65$2,538,549$1,050,607$779,637$2,031,712
66$2,745,382$1,049,988$753,656$2,157,094
67$2,971,671$1,047,698$725,164$2,293,649
68$3,219,349$1,043,603$694,025$2,442,506
69$3,490,544$1,037,561$660,096$2,604,914
70$3,787,600$1,029,422$623,229$2,782,251
71$4,113,098$1,019,026$583,270$2,976,036
72$4,469,880$1,006,204$540,056$3,187,947
73$4,861,077$990,778$493,417$3,419,834
74$5,290,138$972,556$443,177$3,673,738
75$5,760,859$951,338$389,150$3,951,913
76$6,277,424$926,912$331,144$4,256,843
77$6,844,441$899,050$268,958$4,591,271
78$7,466,985$867,515$202,379$4,958,221
79$8,150,648$832,054$131,189$5,361,030
80$8,901,589$792,399$55,158$5,803,379
81$9,726,592$748,267$0$6,289,329
82$10,633,132$699,360$0$6,825,576
83$11,629,444$645,361$0$7,420,014
84$12,724,599$585,935$0$8,073,400
85$13,928,592$520,730$0$8,791,769
86$15,252,433$449,371$0$9,581,775
87$16,708,255$371,464$0$10,450,755
88$18,309,424$286,592$0$11,406,800
89$20,070,664$194,314$0$12,458,832
90$22,008,202$94,166$0$13,616,688
91$24,139,914$0$0$14,891,214
92$26,485,498$0$0$16,300,053
93$29,066,655$0$0$17,891,530
94$31,907,299$0$0$19,643,096
95$35,033,778$0$0$21,571,011
96$38,475,124$0$0$23,693,190
97$42,263,325$0$0$26,029,372
98$46,433,631$0$0$28,601,308
99$51,024,881$0$0$31,432,965
100$56,079,872$0$0$34,550,752