Can I retire at age 52 with 921,000?

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 $921,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$76,055$75,378$74,717$74,072$73,442$71,006
2 years$37,651$36,950$36,270$35,611$34,972$32,542
3 years$24,851$24,147$23,469$22,817$22,188$19,839
4 years$18,453$17,751$17,080$16,438$15,825$13,575
5 years$14,615$13,917$13,255$12,626$12,030$9,886
6 years$12,057$11,364$10,712$10,097$9,519$7,482
7 years$10,230$9,544$8,901$8,301$7,741$5,812
8 years$8,861$8,181$7,549$6,964$6,422$4,599
9 years$7,797$7,123$6,502$5,932$5,408$3,689
10 years$6,946$6,278$5,669$5,113$4,608$2,989
11 years$6,250$5,589$4,991$4,450$3,963$2,442
12 years$5,671$5,017$4,429$3,903$3,434$2,008
13 years$5,181$4,534$3,957$3,446$2,995$1,659
14 years$4,761$4,121$3,555$3,059$2,625$1,376
15 years$4,398$3,764$3,210$2,728$2,311$1,145
16 years$4,080$3,454$2,910$2,443$2,043$956
17 years$3,800$3,181$2,648$2,195$1,811$800
18 years$3,552$2,939$2,418$1,978$1,611$670
19 years$3,330$2,724$2,213$1,787$1,436$563
20 years$3,130$2,531$2,031$1,619$1,282$473
21 years$2,950$2,358$1,868$1,469$1,147$398
22 years$2,786$2,201$1,722$1,336$1,029$335
23 years$2,637$2,058$1,590$1,216$923$282
24 years$2,500$1,929$1,470$1,109$830$238
25 years$2,374$1,810$1,362$1,013$747$201
26 years$2,259$1,701$1,263$926$673$169
27 years$2,152$1,601$1,173$848$606$143
28 years$2,053$1,509$1,090$777$547$121
29 years$1,961$1,423$1,015$712$494$102
30 years$1,875$1,344$945$654$446$86
31 years$1,795$1,271$881$601$404$73
32 years$1,720$1,202$822$552$365$62
33 years$1,649$1,138$768$508$330$52
34 years$1,583$1,079$717$467$299$44
35 years$1,521$1,023$670$430$271$37
36 years$1,463$971$627$396$246$31
37 years$1,408$923$587$365$223$27
38 years$1,355$877$550$336$202$23
39 years$1,306$834$515$310$183$19
40 years$1,259$793$483$286$166$16
41 years$1,215$755$453$264$151$14
42 years$1,173$719$425$243$137$12
43 years$1,132$685$398$225$124$10
44 years$1,094$653$374$208$113$8
45 years$1,058$623$351$192$102$7
46 years$1,023$594$330$177$93$6
47 years$990$567$310$164$84$5
48 years$958$541$291$151$76$4
49 years$928$517$274$140$69$4
50 years$899$494$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 $921,000, adding $4,055 every year, while hoping to spend $26,074 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: 59/36/5 Blend
51$921,000$921,000$921,000$921,000
52$1,019,125$970,312$956,036$1,078,114
53$1,095,333$990,114$960,321$1,137,900
54$1,178,440$1,010,014$963,875$1,199,703
55$1,269,124$1,029,986$966,647$1,266,421
56$1,368,126$1,050,008$968,582$1,338,525
57$1,476,269$1,070,052$969,623$1,416,537
58$1,594,452$1,090,088$969,709$1,501,027
59$1,723,670$1,110,086$968,778$1,592,626
60$1,865,015$1,130,011$966,763$1,692,030
61$2,019,691$1,149,827$963,595$1,800,004
62$2,189,025$1,169,493$959,200$1,917,390
63$2,374,475$1,188,968$953,503$2,045,118
64$2,577,650$1,208,206$946,424$2,184,212
65$2,800,319$1,227,157$937,878$2,335,800
66$3,044,433$1,245,769$927,778$2,501,125
67$3,312,138$1,263,985$916,031$2,681,557
68$3,605,800$1,281,744$902,543$2,878,608
69$3,928,024$1,298,982$887,211$3,093,940
70$4,281,680$1,315,630$869,929$3,329,387
71$4,669,928$1,331,612$850,589$3,586,972
72$5,096,250$1,346,851$829,073$3,868,923
73$5,564,482$1,361,260$805,261$4,177,694
74$6,078,849$1,374,751$779,026$4,515,993
75$6,644,004$1,387,227$750,237$4,886,803
76$7,265,077$1,398,585$718,754$5,293,412
77$7,947,715$1,408,717$684,433$5,739,444
78$8,698,143$1,417,505$647,122$6,228,894
79$9,523,217$1,424,826$606,665$6,766,166
80$10,430,492$1,430,549$562,894$7,356,112
81$11,428,289$1,434,533$515,638$8,004,084
82$12,525,780$1,436,630$464,717$8,715,976
83$13,733,066$1,436,682$409,942$9,498,289
84$15,061,279$1,434,520$351,116$10,358,187
85$16,522,685$1,429,967$288,033$11,303,566
86$18,130,797$1,422,833$220,480$12,343,130
87$19,900,504$1,412,917$148,232$13,486,474
88$21,848,212$1,400,007$71,055$14,744,171
89$23,992,000$1,383,878$0$16,127,878
90$26,351,784$1,364,288$0$17,651,044
91$28,949,514$1,340,986$0$19,331,313
92$31,809,372$1,313,702$0$21,180,511
93$34,958,007$1,282,152$0$23,215,857
94$38,424,781$1,246,035$0$25,456,329
95$42,242,049$1,205,031$0$27,922,842
96$46,445,463$1,158,803$0$30,638,450
97$51,074,310$1,106,994$0$33,628,561
98$56,171,878$1,049,225$0$36,921,177
99$61,785,870$985,098$0$40,547,163
100$67,968,850$914,188$0$44,540,536