Can I retire at age 52 with 919,000?

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 $919,000?

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$75,890$75,214$74,555$73,911$73,282$71,193
2 years$37,569$36,870$36,192$35,534$34,896$32,808
3 years$24,797$24,095$23,418$22,767$22,140$20,117
4 years$18,413$17,712$17,043$16,402$15,790$13,849
5 years$14,583$13,887$13,226$12,599$12,003$10,150
6 years$12,031$11,339$10,688$10,075$9,498$7,733
7 years$10,208$9,523$8,882$8,283$7,724$6,048
8 years$8,842$8,163$7,533$6,949$6,408$4,819
9 years$7,780$7,107$6,488$5,919$5,397$3,894
10 years$6,931$6,265$5,656$5,102$4,598$3,179
11 years$6,236$5,577$4,980$4,440$3,955$2,617
12 years$5,658$5,006$4,419$3,895$3,427$2,169
13 years$5,170$4,524$3,948$3,438$2,988$1,807
14 years$4,751$4,112$3,548$3,052$2,620$1,511
15 years$4,388$3,756$3,203$2,722$2,306$1,269
16 years$4,072$3,446$2,904$2,437$2,038$1,068
17 years$3,792$3,174$2,643$2,190$1,807$901
18 years$3,544$2,933$2,412$1,974$1,607$762
19 years$3,323$2,718$2,208$1,783$1,432$646
20 years$3,123$2,526$2,027$1,615$1,279$548
21 years$2,943$2,353$1,864$1,466$1,145$465
22 years$2,780$2,196$1,718$1,333$1,026$395
23 years$2,631$2,054$1,586$1,214$921$336
24 years$2,495$1,924$1,467$1,107$828$286
25 years$2,369$1,806$1,359$1,011$745$244
26 years$2,254$1,697$1,260$924$671$208
27 years$2,147$1,597$1,170$846$605$177
28 years$2,048$1,505$1,088$775$546$151
29 years$1,956$1,420$1,012$711$493$129
30 years$1,871$1,341$943$652$446$110
31 years$1,791$1,268$879$599$403$94
32 years$1,716$1,200$820$551$364$80
33 years$1,646$1,136$766$506$330$68
34 years$1,580$1,077$716$466$299$58
35 years$1,518$1,021$669$429$270$50
36 years$1,460$969$626$395$245$43
37 years$1,404$921$586$364$222$36
38 years$1,352$875$549$335$201$31
39 years$1,303$832$514$309$183$27
40 years$1,256$792$482$285$166$23
41 years$1,212$753$452$263$150$19
42 years$1,170$718$424$243$136$17
43 years$1,130$684$398$224$124$14
44 years$1,092$652$373$207$112$12
45 years$1,056$621$350$191$102$10
46 years$1,021$593$329$177$93$9
47 years$988$566$309$163$84$8
48 years$956$540$291$151$76$6
49 years$926$516$273$139$69$6
50 years$897$493$257$129$63$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $919,000, adding $6,256 every year, while hoping to spend $46,132 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: 43/28/29 Blend
51$919,000$919,000$919,000$919,000
52$1,019,191$970,484$956,240$1,054,170
53$1,074,064$968,954$939,189$1,078,350
54$1,132,989$965,802$920,022$1,099,705
55$1,196,329$960,901$898,618$1,121,972
56$1,264,484$954,115$874,851$1,145,262
57$1,337,894$945,300$848,592$1,169,703
58$1,417,042$934,302$819,702$1,195,437
59$1,502,457$920,960$788,039$1,222,625
60$1,594,723$905,102$753,453$1,251,447
61$1,694,478$886,545$715,787$1,282,107
62$1,802,427$865,098$674,878$1,314,832
63$1,919,342$840,556$630,555$1,349,879
64$2,046,075$812,703$582,638$1,387,532
65$2,183,560$781,311$530,942$1,428,112
66$2,332,824$746,136$475,270$1,471,976
67$2,495,000$706,925$415,419$1,519,525
68$2,671,331$663,405$351,177$1,571,205
69$2,863,186$615,291$282,320$1,627,514
70$3,072,070$562,280$208,617$1,689,006
71$3,299,641$504,051$129,826$1,756,301
72$3,547,723$440,267$45,693$1,830,088
73$3,818,321$370,571$0$1,911,134
74$4,113,645$294,585$0$2,013,936
75$4,436,127$211,909$0$2,141,775
76$4,788,443$122,124$0$2,281,641
77$5,173,540$24,784$0$2,434,798
78$5,594,662$0$0$2,602,647
79$6,055,381$0$0$2,811,561
80$6,559,631$0$0$3,048,683
81$7,111,742$0$0$3,308,427
82$7,716,484$0$0$3,593,051
83$8,379,109$0$0$3,905,043
84$9,105,401$0$0$4,247,141
85$9,901,731$0$0$4,622,362
86$10,775,115$0$0$5,034,030
87$11,733,283$0$0$5,485,803
88$12,784,744$0$0$5,981,714
89$13,938,878$0$0$6,526,202
90$15,206,010$0$0$7,124,161
91$16,597,519$0$0$7,780,979
92$18,125,938$0$0$8,502,592
93$19,805,072$0$0$9,295,540
94$21,650,133$0$0$10,167,027
95$23,677,875$0$0$11,124,992
96$25,906,759$0$0$12,178,178
97$28,357,122$0$0$13,336,220
98$31,051,370$0$0$14,609,733
99$34,014,189$0$0$16,010,410
100$37,272,776$0$0$17,551,136