Can I retire at age 52 with 999,000?

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 $999,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$82,496$81,762$81,045$80,345$79,662$78,961
2 years$40,840$40,079$39,342$38,627$37,934$37,228
3 years$26,956$26,192$25,457$24,749$24,067$23,378
4 years$20,016$19,254$18,526$17,830$17,165$16,497
5 years$15,852$15,095$14,377$13,695$13,048$12,405
6 years$13,078$12,327$11,619$10,952$10,325$9,706
7 years$11,097$10,352$9,655$9,004$8,397$7,802
8 years$9,612$8,873$8,188$7,554$6,966$6,396
9 years$8,457$7,726$7,053$6,434$5,866$5,321
10 years$7,534$6,810$6,149$5,546$4,998$4,478
11 years$6,779$6,063$5,413$4,827$4,299$3,802
12 years$6,151$5,441$4,804$4,234$3,725$3,252
13 years$5,620$4,917$4,292$3,738$3,248$2,798
14 years$5,164$4,470$3,857$3,318$2,848$2,420
15 years$4,770$4,083$3,482$2,959$2,507$2,101
16 years$4,426$3,746$3,157$2,650$2,216$1,831
17 years$4,122$3,450$2,873$2,381$1,965$1,600
18 years$3,853$3,188$2,622$2,145$1,747$1,402
19 years$3,612$2,955$2,401$1,939$1,557$1,231
20 years$3,395$2,746$2,203$1,756$1,391$1,083
21 years$3,200$2,558$2,026$1,593$1,245$955
22 years$3,022$2,387$1,868$1,449$1,116$843
23 years$2,860$2,233$1,725$1,319$1,001$744
24 years$2,712$2,092$1,595$1,203$900$659
25 years$2,576$1,963$1,477$1,099$810$583
26 years$2,450$1,845$1,370$1,005$730$517
27 years$2,334$1,736$1,272$920$658$458
28 years$2,227$1,636$1,183$843$594$407
29 years$2,127$1,544$1,101$773$536$361
30 years$2,034$1,458$1,025$709$484$321
31 years$1,947$1,378$956$651$438$285
32 years$1,865$1,304$892$599$396$254
33 years$1,789$1,235$833$550$358$226
34 years$1,717$1,170$778$507$325$201
35 years$1,650$1,110$727$466$294$179
36 years$1,587$1,054$680$429$266$159
37 years$1,527$1,001$637$396$241$142
38 years$1,470$951$596$365$219$126
39 years$1,417$904$559$336$198$112
40 years$1,366$860$524$310$180$100
41 years$1,318$819$491$286$163$89
42 years$1,272$780$461$264$148$79
43 years$1,228$743$432$244$134$71
44 years$1,187$708$406$225$122$63
45 years$1,147$676$381$208$111$56
46 years$1,110$644$358$192$101$50
47 years$1,074$615$336$177$91$45
48 years$1,040$587$316$164$83$40
49 years$1,007$561$297$151$75$36
50 years$975$536$279$140$68$32

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $999,000, adding $2,494 every year, while hoping to spend $31,770 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: 57/16/27 Blend
51$999,000$999,000$999,000$999,000
52$1,103,471$1,050,524$1,035,039$1,158,083
53$1,182,222$1,068,196$1,035,910$1,213,488
54$1,267,940$1,085,670$1,035,745$1,270,298
55$1,361,304$1,102,902$1,034,476$1,331,564
56$1,463,058$1,119,845$1,032,032$1,397,727
57$1,574,022$1,136,449$1,028,337$1,469,271
58$1,695,099$1,152,662$1,023,314$1,546,734
59$1,827,283$1,168,426$1,016,878$1,630,708
60$1,971,667$1,183,680$1,008,944$1,721,843
61$2,129,454$1,198,358$999,422$1,820,862
62$2,301,972$1,212,391$988,216$1,928,558
63$2,490,679$1,225,704$975,227$2,045,807
64$2,697,182$1,238,217$960,350$2,173,578
65$2,923,250$1,249,845$943,478$2,312,937
66$3,170,833$1,260,499$924,496$2,465,060
67$3,442,075$1,270,081$903,284$2,631,247
68$3,739,340$1,278,488$879,717$2,812,930
69$4,065,231$1,285,613$853,666$3,011,688
70$4,422,614$1,291,337$824,993$3,229,266
71$4,814,646$1,295,538$793,556$3,467,585
72$5,244,805$1,298,083$759,204$3,728,766
73$5,716,920$1,298,834$721,783$4,015,148
74$6,235,210$1,297,642$681,127$4,329,311
75$6,804,324$1,294,349$637,068$4,674,100
76$7,429,382$1,288,789$589,426$5,052,654
77$8,116,022$1,280,782$538,014$5,468,433
78$8,870,457$1,270,142$482,640$5,925,255
79$9,699,534$1,256,669$423,098$6,427,328
80$10,610,791$1,240,150$359,176$6,979,294
81$11,612,536$1,220,362$290,653$7,586,273
82$12,713,922$1,197,067$217,297$8,253,908
83$13,925,032$1,170,013$138,866$8,988,425
84$15,256,975$1,138,934$55,108$9,796,686
85$16,721,991$1,103,547$0$10,686,258
86$18,333,567$1,063,553$0$11,675,362
87$20,106,560$1,018,636$0$12,780,906
88$22,057,342$968,462$0$13,997,225
89$24,203,951$912,677$0$15,335,590
90$26,566,261$850,906$0$16,808,421
91$29,166,173$782,754$0$18,429,407
92$32,027,816$707,802$0$20,213,633
93$35,177,778$625,608$0$22,177,726
94$38,645,354$535,705$0$24,340,009
95$42,462,825$437,600$0$26,720,675
96$46,665,761$330,770$0$29,341,977
97$51,293,355$214,665$0$32,228,443
98$56,388,797$88,703$0$35,407,102
99$61,999,674$0$0$38,907,742
100$68,178,427$0$0$42,771,598