Can I retire at age 52 with 911,000?

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 $911,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$75,230$74,559$73,906$73,268$72,644$70,831
2 years$37,242$36,549$35,877$35,225$34,593$32,777
3 years$24,582$23,885$23,214$22,569$21,947$20,186
4 years$18,252$17,558$16,894$16,260$15,653$13,960
5 years$14,456$13,766$13,111$12,489$11,899$10,279
6 years$11,926$11,241$10,595$9,987$9,415$7,870
7 years$10,119$9,440$8,805$8,211$7,657$6,187
8 years$8,765$8,092$7,467$6,888$6,352$4,956
9 years$7,712$7,045$6,431$5,867$5,350$4,026
10 years$6,870$6,210$5,607$5,058$4,558$3,306
11 years$6,182$5,529$4,936$4,402$3,920$2,737
12 years$5,609$4,962$4,381$3,861$3,397$2,282
13 years$5,125$4,484$3,914$3,409$2,962$1,912
14 years$4,710$4,076$3,517$3,026$2,597$1,610
15 years$4,350$3,724$3,175$2,698$2,286$1,360
16 years$4,036$3,416$2,879$2,416$2,021$1,152
17 years$3,759$3,146$2,620$2,171$1,792$979
18 years$3,513$2,907$2,391$1,956$1,593$833
19 years$3,294$2,694$2,189$1,768$1,420$710
20 years$3,096$2,504$2,009$1,601$1,268$607
21 years$2,918$2,332$1,848$1,453$1,135$519
22 years$2,756$2,177$1,703$1,321$1,017$444
23 years$2,608$2,036$1,573$1,203$913$380
24 years$2,473$1,908$1,454$1,097$821$326
25 years$2,349$1,790$1,347$1,002$739$280
26 years$2,234$1,683$1,249$916$665$240
27 years$2,128$1,584$1,160$839$600$206
28 years$2,030$1,492$1,078$768$541$177
29 years$1,939$1,408$1,004$705$489$152
30 years$1,854$1,329$935$647$442$131
31 years$1,775$1,257$872$594$399$113
32 years$1,701$1,189$813$546$361$97
33 years$1,631$1,126$759$502$327$83
34 years$1,566$1,067$709$462$296$72
35 years$1,505$1,012$663$425$268$62
36 years$1,447$961$620$392$243$53
37 years$1,392$913$581$361$220$46
38 years$1,341$867$544$333$200$39
39 years$1,292$825$509$307$181$34
40 years$1,245$785$478$283$164$29
41 years$1,202$747$448$261$149$25
42 years$1,160$711$420$241$135$22
43 years$1,120$678$394$222$123$19
44 years$1,082$646$370$205$111$16
45 years$1,046$616$347$190$101$14
46 years$1,012$588$326$175$92$12
47 years$979$561$307$162$83$10
48 years$948$535$288$149$76$9
49 years$918$511$271$138$69$8
50 years$889$488$255$128$62$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $911,000, adding $5,732 every year, while hoping to spend $20,153 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: 42/36/22 Blend
51$911,000$911,000$911,000$911,000
52$1,009,835$961,552$947,431$1,045,528
53$1,091,395$987,225$957,727$1,097,170
54$1,180,599$1,013,481$967,693$1,150,685
55$1,278,206$1,040,327$977,296$1,208,229
56$1,385,049$1,067,769$986,502$1,270,186
57$1,502,049$1,095,815$995,275$1,336,975
58$1,630,219$1,124,471$1,003,577$1,409,058
59$1,770,673$1,153,742$1,011,369$1,486,945
60$1,924,640$1,183,633$1,018,608$1,571,196
61$2,093,472$1,214,150$1,025,251$1,662,430
62$2,278,660$1,245,297$1,031,250$1,761,327
63$2,481,844$1,277,077$1,036,557$1,868,638
64$2,704,831$1,309,493$1,041,121$1,985,187
65$2,949,613$1,342,548$1,044,888$2,111,886
66$3,218,383$1,376,242$1,047,801$2,249,736
67$3,513,557$1,410,576$1,049,801$2,399,844
68$3,837,795$1,445,550$1,050,825$2,563,426
69$4,194,031$1,481,163$1,050,808$2,741,823
70$4,585,493$1,517,410$1,049,681$2,936,515
71$5,015,740$1,554,290$1,047,372$3,149,131
72$5,488,691$1,591,796$1,043,805$3,381,464
73$6,008,666$1,629,923$1,038,901$3,635,495
74$6,580,423$1,668,661$1,032,577$3,913,404
75$7,209,203$1,708,003$1,024,745$4,217,592
76$7,900,782$1,747,936$1,015,315$4,550,710
77$8,661,524$1,788,447$1,004,190$4,915,674
78$9,498,440$1,829,521$991,271$5,315,703
79$10,419,255$1,871,141$976,452$5,754,340
80$11,432,480$1,913,288$959,624$6,235,494
81$12,547,493$1,955,940$940,672$6,763,471
82$13,774,628$1,999,072$919,476$7,343,016
83$15,125,271$2,042,657$895,909$7,979,361
84$16,611,966$2,086,665$869,839$8,678,271
85$18,248,538$2,131,063$841,130$9,446,101
86$20,050,218$2,175,814$809,637$10,289,853
87$22,033,790$2,220,878$775,209$11,217,247
88$24,217,747$2,266,212$737,690$12,236,790
89$26,622,468$2,311,767$696,913$13,357,859
90$29,270,407$2,357,491$652,707$14,590,788
91$32,186,308$2,403,328$604,893$15,946,966
92$35,397,437$2,449,216$553,282$17,438,948
93$38,933,836$2,495,089$497,677$19,080,569
94$42,828,613$2,540,874$437,875$20,887,079
95$47,118,248$2,586,493$373,660$22,875,285
96$51,842,941$2,631,863$304,810$25,063,709
97$57,046,990$2,676,893$231,089$27,472,768
98$62,779,207$2,721,485$152,256$30,124,963
99$69,093,384$2,765,536$68,054$33,045,092
100$76,048,794$2,808,932$0$36,260,486