Can I retire at age 52 with 909,000?

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 $909,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$75,064$74,396$73,743$73,107$72,485$70,419
2 years$37,161$36,468$35,798$35,147$34,517$32,451
3 years$24,528$23,833$23,164$22,519$21,899$19,898
4 years$18,212$17,519$16,857$16,224$15,618$13,699
5 years$14,424$13,735$13,082$12,462$11,873$10,039
6 years$11,900$11,216$10,572$9,966$9,395$7,649
7 years$10,097$9,419$8,785$8,193$7,640$5,982
8 years$8,746$8,074$7,451$6,873$6,338$4,767
9 years$7,695$7,030$6,417$5,854$5,338$3,851
10 years$6,855$6,196$5,595$5,047$4,548$3,145
11 years$6,169$5,516$4,926$4,392$3,912$2,589
12 years$5,597$4,951$4,371$3,852$3,390$2,145
13 years$5,113$4,474$3,905$3,401$2,956$1,787
14 years$4,699$4,067$3,509$3,019$2,591$1,495
15 years$4,341$3,715$3,168$2,692$2,281$1,255
16 years$4,027$3,409$2,872$2,411$2,016$1,057
17 years$3,751$3,139$2,614$2,166$1,788$892
18 years$3,506$2,901$2,386$1,952$1,590$754
19 years$3,286$2,689$2,184$1,764$1,417$639
20 years$3,089$2,498$2,005$1,598$1,266$542
21 years$2,911$2,327$1,844$1,450$1,133$460
22 years$2,750$2,172$1,699$1,318$1,015$391
23 years$2,602$2,032$1,569$1,201$911$332
24 years$2,467$1,904$1,451$1,095$819$283
25 years$2,344$1,786$1,344$1,000$737$241
26 years$2,229$1,679$1,247$914$664$205
27 years$2,124$1,580$1,158$837$599$175
28 years$2,026$1,489$1,076$767$540$149
29 years$1,935$1,405$1,001$703$488$127
30 years$1,850$1,326$933$645$441$109
31 years$1,771$1,254$870$593$398$93
32 years$1,697$1,187$811$545$360$79
33 years$1,628$1,124$758$501$326$68
34 years$1,563$1,065$708$461$295$58
35 years$1,501$1,010$662$424$267$49
36 years$1,444$959$619$391$242$42
37 years$1,389$911$579$360$220$36
38 years$1,338$865$543$332$199$31
39 years$1,289$823$508$306$181$26
40 years$1,243$783$476$282$164$22
41 years$1,199$745$447$260$149$19
42 years$1,157$710$419$240$135$16
43 years$1,118$676$393$222$122$14
44 years$1,080$645$369$205$111$12
45 years$1,044$615$347$189$101$10
46 years$1,010$586$326$175$92$9
47 years$977$560$306$161$83$7
48 years$946$534$287$149$75$6
49 years$916$510$270$138$69$5
50 years$888$487$254$127$62$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $909,000, adding $4,180 every year, while hoping to spend $26,663 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: 81/7/12 Blend
51$909,000$909,000$909,000$909,000
52$1,006,030$957,853$943,763$1,084,994
53$1,080,275$976,418$947,010$1,155,977
54$1,161,201$995,000$949,472$1,229,963
55$1,249,459$1,013,570$951,095$1,310,392
56$1,345,768$1,032,100$951,821$1,397,896
57$1,450,920$1,050,556$951,591$1,493,172
58$1,565,786$1,068,906$950,341$1,596,987
59$1,691,325$1,087,111$948,006$1,710,186
60$1,828,592$1,105,131$944,516$1,833,701
61$1,978,750$1,122,925$939,800$1,968,557
62$2,143,079$1,140,445$933,780$2,115,884
63$2,322,989$1,157,642$926,376$2,276,925
64$2,520,030$1,174,463$917,507$2,453,054
65$2,735,913$1,190,851$907,083$2,645,779
66$2,972,519$1,206,746$895,013$2,856,765
67$3,231,922$1,222,082$881,202$3,087,847
68$3,516,405$1,236,791$865,549$3,341,045
69$3,828,481$1,250,797$847,948$3,618,584
70$4,170,922$1,264,021$828,290$3,922,919
71$4,546,777$1,276,380$806,459$4,256,751
72$4,959,408$1,287,782$782,335$4,623,060
73$5,412,517$1,298,132$755,792$5,025,127
74$5,910,180$1,307,328$726,698$5,466,568
75$6,456,892$1,315,260$694,916$5,951,369
76$7,057,600$1,321,813$660,300$6,483,921
77$7,717,757$1,326,863$622,702$7,069,062
78$8,443,368$1,330,280$581,963$7,712,125
79$9,241,052$1,331,924$537,919$8,418,987
80$10,118,098$1,331,646$490,397$9,196,122
81$11,082,538$1,329,291$439,220$10,050,666
82$12,143,221$1,324,691$384,198$10,990,483
83$13,309,897$1,317,668$325,136$12,024,239
84$14,593,308$1,308,035$261,830$13,161,483
85$16,005,290$1,295,594$194,066$14,412,739
86$17,558,883$1,280,131$121,620$15,789,604
87$19,268,456$1,261,425$44,261$17,304,860
88$21,149,840$1,239,236$0$18,972,589
89$23,220,480$1,213,314$0$20,813,217
90$25,499,595$1,183,393$0$22,845,311
91$28,008,365$1,149,191$0$25,082,082
92$30,770,125$1,110,408$0$27,544,338
93$33,810,590$1,066,730$0$30,255,009
94$37,158,092$1,017,822$0$33,239,360
95$40,843,852$963,330$0$36,525,234
96$44,902,273$902,881$0$40,143,310
97$49,371,261$836,078$0$44,127,398
98$54,292,588$762,505$0$48,514,752
99$59,712,282$681,718$0$53,346,425
100$65,681,064$593,251$0$58,667,656