Can I retire at age 52 with 920,000?

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 $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%19.6%
1 years$75,973$75,296$74,636$73,991$73,362$70,535
2 years$37,610$36,910$36,231$35,573$34,934$32,120
3 years$24,824$24,121$23,444$22,792$22,164$19,450
4 years$18,433$17,731$17,061$16,420$15,807$13,216
5 years$14,599$13,902$13,240$12,612$12,017$9,553
6 years$12,044$11,352$10,700$10,086$9,508$7,175
7 years$10,219$9,533$8,892$8,292$7,733$5,529
8 years$8,852$8,172$7,541$6,956$6,415$4,339
9 years$7,788$7,115$6,495$5,925$5,402$3,450
10 years$6,938$6,271$5,662$5,108$4,603$2,771
11 years$6,243$5,583$4,985$4,445$3,959$2,244
12 years$5,664$5,011$4,424$3,899$3,431$1,827
13 years$5,175$4,529$3,953$3,442$2,992$1,495
14 years$4,756$4,116$3,552$3,056$2,622$1,229
15 years$4,393$3,760$3,207$2,725$2,309$1,012
16 years$4,076$3,450$2,907$2,440$2,041$837
17 years$3,796$3,177$2,645$2,192$1,809$693
18 years$3,548$2,936$2,415$1,976$1,609$574
19 years$3,326$2,721$2,211$1,785$1,434$477
20 years$3,127$2,529$2,029$1,617$1,281$397
21 years$2,947$2,355$1,866$1,467$1,146$330
22 years$2,783$2,199$1,720$1,334$1,027$275
23 years$2,634$2,056$1,588$1,215$922$229
24 years$2,497$1,927$1,469$1,108$829$191
25 years$2,372$1,808$1,360$1,012$746$159
26 years$2,256$1,699$1,262$925$672$133
27 years$2,150$1,599$1,172$847$606$111
28 years$2,050$1,507$1,089$776$547$93
29 years$1,958$1,422$1,014$712$494$77
30 years$1,873$1,343$944$653$446$65
31 years$1,793$1,269$880$600$403$54
32 years$1,718$1,201$821$551$365$45
33 years$1,648$1,137$767$507$330$38
34 years$1,582$1,078$716$466$299$32
35 years$1,520$1,022$670$429$271$26
36 years$1,461$970$627$395$245$22
37 years$1,406$922$586$364$222$18
38 years$1,354$876$549$336$202$15
39 years$1,305$833$515$310$183$13
40 years$1,258$792$482$286$166$11
41 years$1,213$754$452$264$150$9
42 years$1,171$718$424$243$136$8
43 years$1,131$684$398$224$124$6
44 years$1,093$652$374$207$112$5
45 years$1,057$622$351$191$102$4
46 years$1,022$593$330$177$93$4
47 years$989$566$310$163$84$3
48 years$957$541$291$151$76$3
49 years$927$516$273$140$69$2
50 years$898$493$257$129$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $920,000, adding $5,991 every year, while hoping to spend $24,464 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: 69/25/6 Blend
51$920,000$920,000$920,000$920,000
52$1,020,020$971,260$957,000$1,089,136
53$1,098,032$992,822$963,030$1,157,210
54$1,183,182$1,014,621$968,442$1,228,078
55$1,276,171$1,036,642$973,189$1,304,926
56$1,377,773$1,058,870$977,224$1,388,336
57$1,488,839$1,081,287$980,493$1,478,945
58$1,610,305$1,103,874$982,944$1,577,460
59$1,743,203$1,126,611$984,519$1,684,654
60$1,888,668$1,149,474$985,160$1,801,382
61$2,047,953$1,172,439$984,803$1,928,586
62$2,222,434$1,195,478$983,384$2,067,301
63$2,413,628$1,218,562$980,833$2,218,668
64$2,623,206$1,241,659$977,079$2,383,946
65$2,853,007$1,264,735$972,045$2,564,519
66$3,105,058$1,287,752$965,653$2,761,915
67$3,381,592$1,310,669$957,820$2,977,814
68$3,685,066$1,333,444$948,459$3,214,069
69$4,018,189$1,356,029$937,479$3,472,721
70$4,383,944$1,378,374$924,784$3,756,021
71$4,785,617$1,400,425$910,275$4,066,445
72$5,226,827$1,422,123$893,846$4,406,726
73$5,711,563$1,443,407$875,390$4,779,871
74$6,244,218$1,464,208$854,790$5,189,198
75$6,829,630$1,484,457$831,928$5,638,359
76$7,473,132$1,504,075$806,677$6,131,382
77$8,180,598$1,522,982$778,908$6,672,703
78$8,958,500$1,541,088$748,482$7,267,212
79$9,813,967$1,558,302$715,256$7,920,297
80$10,754,856$1,574,523$679,081$8,637,896
81$11,789,821$1,589,644$639,800$9,426,552
82$12,928,398$1,603,552$597,249$10,293,478
83$14,181,095$1,616,126$551,257$11,246,620
84$15,559,488$1,627,238$501,645$12,294,736
85$17,076,332$1,636,749$448,227$13,447,477
86$18,745,683$1,644,514$390,807$14,715,481
87$20,583,025$1,650,379$329,182$16,110,469
88$22,605,423$1,654,177$263,139$17,645,360
89$24,831,678$1,655,733$192,456$19,334,390
90$27,282,507$1,654,861$116,901$21,193,249
91$29,980,737$1,651,364$36,231$23,239,229
92$32,951,522$1,645,030$0$25,491,384
93$36,222,578$1,635,638$0$27,973,907
94$39,824,448$1,622,951$0$30,709,434
95$43,790,784$1,606,718$0$33,721,165
96$48,158,670$1,586,673$0$37,037,230
97$52,968,969$1,562,535$0$40,688,625
98$58,266,709$1,534,004$0$44,709,511
99$64,101,508$1,500,765$0$49,137,533
100$70,528,041$1,462,482$0$54,014,179