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%11.5%
1 years$76,055$75,378$74,717$74,072$73,442$72,979
2 years$37,651$36,950$36,270$35,611$34,972$34,505
3 years$24,851$24,147$23,469$22,817$22,188$21,731
4 years$18,453$17,751$17,080$16,438$15,825$15,382
5 years$14,615$13,917$13,255$12,626$12,030$11,602
6 years$12,057$11,364$10,712$10,097$9,519$9,107
7 years$10,230$9,544$8,901$8,301$7,741$7,346
8 years$8,861$8,181$7,549$6,964$6,422$6,043
9 years$7,797$7,123$6,502$5,932$5,408$5,045
10 years$6,946$6,278$5,669$5,113$4,608$4,260
11 years$6,250$5,589$4,991$4,450$3,963$3,631
12 years$5,671$5,017$4,429$3,903$3,434$3,117
13 years$5,181$4,534$3,957$3,446$2,995$2,693
14 years$4,761$4,121$3,555$3,059$2,625$2,338
15 years$4,398$3,764$3,210$2,728$2,311$2,038
16 years$4,080$3,454$2,910$2,443$2,043$1,783
17 years$3,800$3,181$2,648$2,195$1,811$1,565
18 years$3,552$2,939$2,418$1,978$1,611$1,377
19 years$3,330$2,724$2,213$1,787$1,436$1,214
20 years$3,130$2,531$2,031$1,619$1,282$1,073
21 years$2,950$2,358$1,868$1,469$1,147$950
22 years$2,786$2,201$1,722$1,336$1,029$842
23 years$2,637$2,058$1,590$1,216$923$748
24 years$2,500$1,929$1,470$1,109$830$664
25 years$2,374$1,810$1,362$1,013$747$591
26 years$2,259$1,701$1,263$926$673$526
27 years$2,152$1,601$1,173$848$606$469
28 years$2,053$1,509$1,090$777$547$418
29 years$1,961$1,423$1,015$712$494$373
30 years$1,875$1,344$945$654$446$333
31 years$1,795$1,271$881$601$404$298
32 years$1,720$1,202$822$552$365$266
33 years$1,649$1,138$768$508$330$238
34 years$1,583$1,079$717$467$299$213
35 years$1,521$1,023$670$430$271$190
36 years$1,463$971$627$396$246$170
37 years$1,408$923$587$365$223$152
38 years$1,355$877$550$336$202$136
39 years$1,306$834$515$310$183$122
40 years$1,259$793$483$286$166$109
41 years$1,215$755$453$264$151$98
42 years$1,173$719$425$243$137$88
43 years$1,132$685$398$225$124$79
44 years$1,094$653$374$208$113$70
45 years$1,058$623$351$192$102$63
46 years$1,023$594$330$177$93$57
47 years$990$567$310$164$84$51
48 years$958$541$291$151$76$45
49 years$928$517$274$140$69$41
50 years$899$494$257$129$63$36

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $921,000, adding $2,058 every year, while hoping to spend $31,246 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: 65/16/19 Blend
51$921,000$921,000$921,000$921,000
52$1,017,065$968,252$953,976$1,078,192
53$1,087,560$982,451$952,689$1,133,665
54$1,164,198$996,298$950,311$1,190,503
55$1,247,574$1,009,744$946,774$1,251,873
56$1,338,339$1,022,734$942,004$1,318,222
57$1,437,213$1,035,211$935,924$1,390,038
58$1,544,987$1,047,115$928,455$1,467,863
59$1,662,530$1,058,378$919,514$1,552,293
60$1,790,802$1,068,932$909,011$1,643,984
61$1,930,856$1,078,702$896,855$1,743,663
62$2,083,854$1,087,609$882,950$1,852,127
63$2,251,073$1,095,568$867,195$1,970,260
64$2,433,920$1,102,489$849,484$2,099,032
65$2,633,944$1,108,275$829,706$2,239,516
66$2,852,852$1,112,826$807,747$2,392,894
67$3,092,521$1,116,033$783,485$2,560,469
68$3,355,020$1,117,780$756,793$2,743,679
69$3,642,626$1,117,945$727,540$2,944,108
70$3,957,848$1,116,398$695,586$3,163,506
71$4,303,448$1,113,002$660,788$3,403,799
72$4,682,469$1,107,608$622,994$3,667,112
73$5,098,263$1,100,062$582,046$3,955,790
74$5,554,520$1,090,200$537,778$4,272,416
75$6,055,306$1,077,845$490,020$4,619,839
76$6,605,102$1,062,814$438,589$5,001,202
77$7,208,839$1,044,908$383,299$5,419,969
78$7,871,952$1,023,921$323,951$5,879,959
79$8,600,430$999,631$260,342$6,385,383
80$9,400,866$971,806$192,256$6,940,884
81$10,280,528$940,198$119,470$7,551,583
82$11,247,420$904,545$41,750$8,223,123
83$12,310,360$864,571$0$8,961,727
84$13,479,065$819,984$0$9,782,606
85$14,764,238$770,472$0$10,694,548
86$16,177,674$715,709$0$11,697,474
87$17,732,367$655,348$0$12,800,631
88$19,442,632$589,024$0$14,014,214
89$21,324,243$516,349$0$15,349,455
90$23,394,580$436,914$0$16,818,735
91$25,672,793$350,288$0$18,435,697
92$28,179,979$256,014$0$20,215,378
93$30,939,389$153,611$0$22,174,349
94$33,976,638$42,569$0$24,330,873
95$37,319,951$0$0$26,705,078
96$41,000,429$0$0$29,332,817
97$45,052,343$0$0$32,234,075
98$49,513,452$0$0$35,428,405
99$54,425,366$0$0$38,945,609
100$59,833,934$0$0$42,818,529