Can I retire at age 52 with 914,000?

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 $914,000?

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 years$75,477$74,805$74,149$73,509$72,884$71,093
2 years$37,365$36,669$35,995$35,341$34,706$32,913
3 years$24,663$23,964$23,291$22,643$22,019$20,280
4 years$18,313$17,616$16,950$16,313$15,704$14,032
5 years$14,504$13,811$13,154$12,530$11,938$10,338
6 years$11,965$11,278$10,630$10,020$9,446$7,919
7 years$10,153$9,471$8,834$8,238$7,682$6,229
8 years$8,794$8,118$7,492$6,911$6,373$4,992
9 years$7,738$7,069$6,453$5,887$5,367$4,058
10 years$6,893$6,231$5,626$5,074$4,573$3,334
11 years$6,203$5,547$4,953$4,416$3,933$2,763
12 years$5,628$4,978$4,395$3,874$3,408$2,304
13 years$5,141$4,499$3,927$3,420$2,972$1,933
14 years$4,725$4,090$3,528$3,036$2,605$1,628
15 years$4,365$3,736$3,186$2,707$2,294$1,376
16 years$4,049$3,428$2,888$2,424$2,027$1,167
17 years$3,772$3,157$2,628$2,178$1,798$992
18 years$3,525$2,917$2,399$1,963$1,598$845
19 years$3,305$2,703$2,196$1,774$1,425$721
20 years$3,106$2,512$2,016$1,606$1,273$616
21 years$2,927$2,340$1,854$1,458$1,139$527
22 years$2,765$2,184$1,709$1,326$1,021$452
23 years$2,617$2,043$1,578$1,207$916$387
24 years$2,481$1,914$1,459$1,101$824$332
25 years$2,356$1,796$1,351$1,006$741$285
26 years$2,242$1,688$1,253$919$668$245
27 years$2,135$1,589$1,164$842$602$211
28 years$2,037$1,497$1,082$771$543$181
29 years$1,946$1,412$1,007$707$490$156
30 years$1,861$1,334$938$649$443$134
31 years$1,781$1,261$874$596$401$115
32 years$1,707$1,193$816$548$362$99
33 years$1,637$1,130$762$504$328$86
34 years$1,571$1,071$712$463$297$74
35 years$1,510$1,016$665$427$269$63
36 years$1,452$964$622$393$244$55
37 years$1,397$916$583$362$221$47
38 years$1,345$870$546$334$200$41
39 years$1,296$827$511$308$182$35
40 years$1,250$787$479$284$165$30
41 years$1,206$749$449$262$149$26
42 years$1,164$714$421$242$136$22
43 years$1,124$680$395$223$123$19
44 years$1,086$648$371$206$112$17
45 years$1,050$618$349$190$101$14
46 years$1,015$590$327$176$92$12
47 years$983$563$308$162$84$11
48 years$951$537$289$150$76$9
49 years$921$513$272$139$69$8
50 years$892$490$255$128$63$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $914,000, adding $6,150 every year, while hoping to spend $51,727 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: 67/18/15 Blend
51$914,000$914,000$914,000$914,000
52$1,013,572$965,130$950,963$1,077,498
53$1,061,919$957,384$927,783$1,113,183
54$1,113,464$947,525$902,093$1,145,539
55$1,168,478$935,395$873,754$1,179,622
56$1,227,259$920,825$842,621$1,215,596
57$1,290,133$903,639$808,542$1,253,647
58$1,357,458$883,649$771,359$1,293,978
59$1,429,625$860,654$730,906$1,336,815
60$1,507,065$834,444$687,010$1,382,410
61$1,590,250$804,796$639,489$1,431,040
62$1,679,697$771,473$588,154$1,483,016
63$1,775,977$734,226$532,808$1,538,678
64$1,879,713$692,789$473,243$1,598,407
65$1,991,592$646,884$409,245$1,662,622
66$2,112,367$596,214$340,587$1,731,791
67$2,242,866$540,466$267,035$1,806,428
68$2,384,000$479,311$188,342$1,887,106
69$2,536,769$412,398$104,252$1,974,458
70$2,702,273$339,359$14,498$2,069,185
71$2,881,721$259,804$0$2,172,063
72$3,076,443$173,321$0$2,296,960
73$3,287,901$79,474$0$2,435,141
74$3,517,704$0$0$2,585,382
75$3,767,623$0$0$2,753,295
76$4,039,602$0$0$2,953,211
77$4,335,786$0$0$3,170,970
78$4,658,531$0$0$3,408,310
79$5,010,432$0$0$3,667,148
80$5,394,343$0$0$3,949,589
81$5,813,409$0$0$4,257,953
82$6,271,087$0$0$4,594,794
83$6,771,187$0$0$4,962,923
84$7,317,901$0$0$5,365,434
85$7,915,846$0$0$5,805,734
86$8,570,104$0$0$6,287,575
87$9,286,272$0$0$6,815,088
88$10,070,512$0$0$7,392,822
89$10,929,612$0$0$8,025,787
90$11,871,045$0$0$8,719,499
91$12,903,043$0$0$9,480,035
92$14,034,670$0$0$10,314,087
93$15,275,913$0$0$11,229,025
94$16,637,768$0$0$12,232,969
95$18,132,349$0$0$13,334,860
96$19,772,999$0$0$14,544,549
97$21,574,417$0$0$15,872,886
98$23,552,794$0$0$17,331,825
99$25,725,965$0$0$18,934,533
100$28,113,579$0$0$20,695,515