Can I retire at age 52 with 892,000?

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 $892,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$73,661$73,004$72,364$71,739$71,129$69,980
2 years$36,466$35,786$35,128$34,490$33,871$32,716
3 years$24,069$23,387$22,730$22,098$21,489$20,365
4 years$17,872$17,192$16,542$15,920$15,326$14,241
5 years$14,154$13,479$12,837$12,228$11,651$10,608
6 years$11,677$11,006$10,374$9,779$9,219$8,219
7 years$9,908$9,243$8,621$8,040$7,497$6,542
8 years$8,582$7,923$7,311$6,745$6,220$5,308
9 years$7,551$6,898$6,297$5,745$5,238$4,369
10 years$6,727$6,081$5,490$4,952$4,463$3,637
11 years$6,053$5,413$4,833$4,310$3,838$3,053
12 years$5,492$4,859$4,290$3,780$3,326$2,582
13 years$5,018$4,391$3,832$3,337$2,901$2,196
14 years$4,611$3,991$3,443$2,963$2,543$1,876
15 years$4,259$3,646$3,109$2,642$2,239$1,609
16 years$3,952$3,345$2,819$2,366$1,979$1,385
17 years$3,681$3,081$2,565$2,126$1,754$1,195
18 years$3,440$2,847$2,341$1,916$1,560$1,034
19 years$3,225$2,638$2,143$1,731$1,390$896
20 years$3,032$2,452$1,967$1,568$1,242$778
21 years$2,857$2,284$1,809$1,423$1,111$676
22 years$2,698$2,132$1,668$1,294$996$589
23 years$2,554$1,994$1,540$1,178$894$513
24 years$2,421$1,868$1,424$1,075$804$448
25 years$2,300$1,753$1,319$981$723$391
26 years$2,188$1,648$1,223$897$651$341
27 years$2,084$1,551$1,136$821$587$299
28 years$1,988$1,461$1,056$752$530$261
29 years$1,899$1,378$983$690$479$228
30 years$1,816$1,302$915$633$432$200
31 years$1,738$1,231$853$582$391$175
32 years$1,666$1,164$796$535$354$153
33 years$1,597$1,103$743$492$320$134
34 years$1,534$1,045$695$452$290$118
35 years$1,473$991$649$416$262$103
36 years$1,417$941$607$383$238$91
37 years$1,363$894$569$353$216$79
38 years$1,313$849$532$326$195$70
39 years$1,265$807$499$300$177$61
40 years$1,220$768$468$277$161$54
41 years$1,176$731$438$255$146$47
42 years$1,136$696$411$236$132$41
43 years$1,097$664$386$218$120$36
44 years$1,060$633$362$201$109$32
45 years$1,025$603$340$186$99$28
46 years$991$575$319$171$90$24
47 years$959$549$300$158$82$21
48 years$928$524$282$146$74$19
49 years$899$501$265$135$67$17
50 years$871$478$249$125$61$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $892,000, adding $5,337 every year, while hoping to spend $47,559 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: 44/41/15 Blend
51$892,000$892,000$892,000$892,000
52$988,489$941,213$927,387$1,027,488
53$1,038,713$936,730$907,852$1,050,811
54$1,092,465$930,434$886,069$1,070,901
55$1,150,056$922,184$861,912$1,091,648
56$1,211,825$911,835$835,249$1,113,132
57$1,278,145$899,229$805,944$1,135,447
58$1,349,425$884,200$773,853$1,158,698
59$1,426,115$866,574$738,825$1,183,002
60$1,508,707$846,165$700,704$1,208,496
61$1,597,743$822,775$659,325$1,235,332
62$1,693,817$796,195$614,517$1,263,682
63$1,797,585$766,207$566,101$1,293,740
64$1,909,762$732,575$513,890$1,325,726
65$2,031,140$695,053$457,687$1,359,887
66$2,162,586$653,380$397,289$1,396,498
67$2,305,054$607,280$332,482$1,435,870
68$2,459,592$556,460$263,044$1,478,353
69$2,627,356$500,612$188,741$1,524,338
70$2,809,613$439,408$109,331$1,574,260
71$3,007,760$372,506$24,560$1,628,611
72$3,223,332$299,539$0$1,687,937
73$3,458,020$220,124$0$1,763,397
74$3,713,681$133,854$0$1,850,006
75$3,992,363$40,299$0$1,944,636
76$4,296,316$0$0$2,048,184
77$4,628,020$0$0$2,189,164
78$4,990,202$0$0$2,363,050
79$5,385,866$0$0$2,553,117
80$5,818,317$0$0$2,760,965
81$6,291,196$0$0$2,988,357
82$6,808,510$0$0$3,237,235
83$7,374,672$0$0$3,509,738
84$7,994,540$0$0$3,808,218
85$8,673,466$0$0$4,135,268
86$9,417,343$0$0$4,493,743
87$10,232,658$0$0$4,886,789
88$11,126,561$0$0$5,317,867
89$12,106,922$0$0$5,790,794
90$13,182,412$0$0$6,309,769
91$14,362,580$0$0$6,879,423
92$15,657,946$0$0$7,504,851
93$17,080,096$0$0$8,191,671
94$18,641,793$0$0$8,946,068
95$20,357,099$0$0$9,774,857
96$22,241,503$0$0$10,685,546
97$24,312,067$0$0$11,686,405
98$26,587,589$0$0$12,786,547
99$29,088,779$0$0$13,996,008
100$31,838,451$0$0$15,325,850