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%18.9%
1 years$73,661$73,004$72,364$71,739$71,129$68,578
2 years$36,466$35,786$35,128$34,490$33,871$31,329
3 years$24,069$23,387$22,730$22,098$21,489$19,035
4 years$17,872$17,192$16,542$15,920$15,326$12,979
5 years$14,154$13,479$12,837$12,228$11,651$9,417
6 years$11,677$11,006$10,374$9,779$9,219$7,100
7 years$9,908$9,243$8,621$8,040$7,497$5,493
8 years$8,582$7,923$7,311$6,745$6,220$4,328
9 years$7,551$6,898$6,297$5,745$5,238$3,457
10 years$6,727$6,081$5,490$4,952$4,463$2,789
11 years$6,053$5,413$4,833$4,310$3,838$2,268
12 years$5,492$4,859$4,290$3,780$3,326$1,856
13 years$5,018$4,391$3,832$3,337$2,901$1,526
14 years$4,611$3,991$3,443$2,963$2,543$1,260
15 years$4,259$3,646$3,109$2,642$2,239$1,044
16 years$3,952$3,345$2,819$2,366$1,979$867
17 years$3,681$3,081$2,565$2,126$1,754$721
18 years$3,440$2,847$2,341$1,916$1,560$601
19 years$3,225$2,638$2,143$1,731$1,390$502
20 years$3,032$2,452$1,967$1,568$1,242$420
21 years$2,857$2,284$1,809$1,423$1,111$351
22 years$2,698$2,132$1,668$1,294$996$294
23 years$2,554$1,994$1,540$1,178$894$246
24 years$2,421$1,868$1,424$1,075$804$207
25 years$2,300$1,753$1,319$981$723$173
26 years$2,188$1,648$1,223$897$651$145
27 years$2,084$1,551$1,136$821$587$122
28 years$1,988$1,461$1,056$752$530$103
29 years$1,899$1,378$983$690$479$86
30 years$1,816$1,302$915$633$432$72
31 years$1,738$1,231$853$582$391$61
32 years$1,666$1,164$796$535$354$51
33 years$1,597$1,103$743$492$320$43
34 years$1,534$1,045$695$452$290$36
35 years$1,473$991$649$416$262$30
36 years$1,417$941$607$383$238$26
37 years$1,363$894$569$353$216$21
38 years$1,313$849$532$326$195$18
39 years$1,265$807$499$300$177$15
40 years$1,220$768$468$277$161$13
41 years$1,176$731$438$255$146$11
42 years$1,136$696$411$236$132$9
43 years$1,097$664$386$218$120$8
44 years$1,060$633$362$201$109$6
45 years$1,025$603$340$186$99$5
46 years$991$575$319$171$90$5
47 years$959$549$300$158$82$4
48 years$928$524$282$146$74$3
49 years$899$501$265$135$67$3
50 years$871$478$249$125$61$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $892,000, adding $4,388 every year, while hoping to spend $47,529 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: 65/11/24 Blend
51$892,000$892,000$892,000$892,000
52$987,510$940,234$926,408$1,045,273
53$1,037,666$935,735$906,872$1,080,227
54$1,091,344$929,423$885,089$1,112,672
55$1,148,855$921,158$860,933$1,147,053
56$1,210,536$910,793$834,273$1,183,562
57$1,276,761$898,172$804,971$1,222,414
58$1,347,938$883,129$772,884$1,263,847
59$1,424,514$865,489$737,863$1,308,124
60$1,506,982$845,066$699,749$1,355,539
61$1,595,883$821,663$658,379$1,406,415
62$1,691,810$795,072$613,582$1,461,110
63$1,795,416$765,072$565,178$1,520,023
64$1,907,418$731,429$512,981$1,583,594
65$2,028,603$693,897$456,794$1,652,310
66$2,159,838$652,216$396,414$1,726,712
67$2,302,074$606,107$331,627$1,807,395
68$2,456,360$555,281$262,211$1,895,023
69$2,623,846$499,427$187,932$1,990,327
70$2,805,799$438,220$108,549$2,094,116
71$3,003,613$371,315$23,807$2,207,286
72$3,218,820$298,348$0$2,330,827
73$3,453,106$218,933$0$2,482,896
74$3,708,328$132,666$0$2,655,258
75$3,986,526$39,116$0$2,843,223
76$4,289,950$0$0$3,048,347
77$4,621,071$0$0$3,279,873
78$4,982,614$0$0$3,537,895
79$5,377,576$0$0$3,819,824
80$5,809,255$0$0$4,128,024
81$6,281,286$0$0$4,465,095
82$6,797,667$0$0$4,833,902
83$7,362,804$0$0$5,237,599
84$7,981,545$0$0$5,679,657
85$8,659,232$0$0$6,163,902
86$9,401,745$0$0$6,694,545
87$10,215,562$0$0$7,276,225
88$11,107,815$0$0$7,914,048
89$12,086,362$0$0$8,613,643
90$13,159,855$0$0$9,381,206
91$14,337,826$0$0$10,223,563
92$15,630,773$0$0$11,148,233
93$17,050,262$0$0$12,163,498
94$18,609,031$0$0$13,278,481
95$20,321,112$0$0$14,503,233
96$22,201,966$0$0$15,848,826
97$24,268,622$0$0$17,327,457
98$26,539,842$0$0$18,952,563
99$29,036,294$0$0$20,738,947
100$31,780,751$0$0$22,702,919