Can I retire at age 52 with 920,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $920,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.5%
1 years$75,973$75,296$74,636$73,991$73,362$70,844
2 years$37,610$36,910$36,231$35,573$34,934$32,423
3 years$24,824$24,121$23,444$22,792$22,164$19,738
4 years$18,433$17,731$17,061$16,420$15,807$13,486
5 years$14,599$13,902$13,240$12,612$12,017$9,805
6 years$12,044$11,352$10,700$10,086$9,508$7,409
7 years$10,219$9,533$8,892$8,292$7,733$5,745
8 years$8,852$8,172$7,541$6,956$6,415$4,538
9 years$7,788$7,115$6,495$5,925$5,402$3,633
10 years$6,938$6,271$5,662$5,108$4,603$2,939
11 years$6,243$5,583$4,985$4,445$3,959$2,396
12 years$5,664$5,011$4,424$3,899$3,431$1,966
13 years$5,175$4,529$3,953$3,442$2,992$1,621
14 years$4,756$4,116$3,552$3,056$2,622$1,342
15 years$4,393$3,760$3,207$2,725$2,309$1,115
16 years$4,076$3,450$2,907$2,440$2,041$928
17 years$3,796$3,177$2,645$2,192$1,809$775
18 years$3,548$2,936$2,415$1,976$1,609$648
19 years$3,326$2,721$2,211$1,785$1,434$543
20 years$3,127$2,529$2,029$1,617$1,281$455
21 years$2,947$2,355$1,866$1,467$1,146$382
22 years$2,783$2,199$1,720$1,334$1,027$321
23 years$2,634$2,056$1,588$1,215$922$270
24 years$2,497$1,927$1,469$1,108$829$227
25 years$2,372$1,808$1,360$1,012$746$191
26 years$2,256$1,699$1,262$925$672$161
27 years$2,150$1,599$1,172$847$606$135
28 years$2,050$1,507$1,089$776$547$114
29 years$1,958$1,422$1,014$712$494$96
30 years$1,873$1,343$944$653$446$81
31 years$1,793$1,269$880$600$403$68
32 years$1,718$1,201$821$551$365$58
33 years$1,648$1,137$767$507$330$49
34 years$1,582$1,078$716$466$299$41
35 years$1,520$1,022$670$429$271$35
36 years$1,461$970$627$395$245$29
37 years$1,406$922$586$364$222$25
38 years$1,354$876$549$336$202$21
39 years$1,305$833$515$310$183$17
40 years$1,258$792$482$286$166$15
41 years$1,213$754$452$264$150$12
42 years$1,171$718$424$243$136$11
43 years$1,131$684$398$224$124$9
44 years$1,093$652$374$207$112$7
45 years$1,057$622$351$191$102$6
46 years$1,022$593$330$177$93$5
47 years$989$566$310$163$84$4
48 years$957$541$291$151$76$4
49 years$927$516$273$140$69$3
50 years$898$493$257$129$63$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $920,000, adding $2,779 every year, while hoping to spend $33,510 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: 60/19/21 Blend
51$920,000$920,000$920,000$920,000
52$1,016,707$967,947$953,687$1,071,929
53$1,084,756$979,722$949,981$1,121,453
54$1,158,624$990,950$945,028$1,171,544
55$1,238,868$1,001,571$938,750$1,225,446
56$1,326,101$1,011,517$931,067$1,283,532
57$1,421,000$1,020,718$921,894$1,346,218
58$1,524,307$1,029,098$911,143$1,413,960
59$1,636,839$1,036,577$898,719$1,487,262
60$1,759,498$1,043,070$884,527$1,566,683
61$1,893,272$1,048,486$868,464$1,652,835
62$2,039,251$1,052,727$850,423$1,746,399
63$2,198,636$1,055,692$830,294$1,848,121
64$2,372,746$1,057,270$807,958$1,958,829
65$2,563,036$1,057,347$783,295$2,079,433
66$2,771,106$1,055,797$756,175$2,210,941
67$2,998,719$1,052,491$726,467$2,354,462
68$3,247,814$1,047,288$694,029$2,511,221
69$3,520,528$1,040,043$658,716$2,682,570
70$3,819,215$1,030,598$620,376$2,870,001
71$4,146,464$1,018,787$578,848$3,075,159
72$4,505,131$1,004,434$533,967$3,299,860
73$4,898,357$987,354$485,557$3,546,107
74$5,329,603$967,348$433,437$3,816,110
75$5,802,682$944,208$377,418$4,112,307
76$6,321,794$917,712$317,299$4,437,387
77$6,891,563$887,626$252,874$4,794,317
78$7,517,084$853,702$183,927$5,186,369
79$8,203,969$815,676$110,232$5,617,154
80$8,958,402$773,272$31,552$6,090,652
81$9,787,192$726,195$0$6,611,254
82$10,697,841$674,135$0$7,195,549
83$11,698,617$616,763$0$7,845,442
84$12,798,624$553,732$0$8,559,806
85$14,007,894$484,675$0$9,345,202
86$15,337,479$409,205$0$10,208,860
87$16,799,557$326,911$0$11,158,747
88$18,407,543$237,360$0$12,203,650
89$20,176,218$140,097$0$13,353,248
90$22,121,868$34,637$0$14,618,214
91$24,262,435$0$0$16,010,310
92$26,617,691$0$0$17,559,127
93$29,209,419$0$0$19,271,501
94$32,061,619$0$0$21,156,061
95$35,200,739$0$0$23,230,289
96$38,655,916$0$0$25,513,453
97$42,459,260$0$0$28,026,780
98$46,646,149$0$0$30,793,662
99$51,255,567$0$0$33,839,872
100$56,330,467$0$0$37,193,811