Can I retire at age 52 with 922,000?

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 $922,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.5%
1 years$76,138$75,460$74,798$74,152$73,522$72,453
2 years$37,692$36,990$36,310$35,650$35,010$33,936
3 years$24,878$24,173$23,495$22,841$22,212$21,165
4 years$18,473$17,770$17,098$16,456$15,842$14,831
5 years$14,631$13,932$13,269$12,640$12,043$11,070
6 years$12,070$11,376$10,723$10,108$9,529$8,596
7 years$10,241$9,554$8,911$8,310$7,750$6,857
8 years$8,871$8,189$7,557$6,971$6,429$5,576
9 years$7,805$7,130$6,509$5,938$5,414$4,601
10 years$6,953$6,285$5,675$5,119$4,613$3,839
11 years$6,257$5,595$4,996$4,455$3,967$3,232
12 years$5,677$5,022$4,434$3,907$3,438$2,740
13 years$5,186$4,538$3,961$3,450$2,998$2,336
14 years$4,766$4,125$3,559$3,062$2,628$2,001
15 years$4,403$3,769$3,214$2,731$2,314$1,721
16 years$4,085$3,458$2,914$2,445$2,045$1,485
17 years$3,805$3,184$2,651$2,197$1,813$1,286
18 years$3,556$2,942$2,420$1,980$1,612$1,115
19 years$3,333$2,727$2,216$1,789$1,437$969
20 years$3,134$2,534$2,033$1,620$1,284$844
21 years$2,953$2,360$1,870$1,471$1,149$736
22 years$2,789$2,203$1,724$1,337$1,030$643
23 years$2,640$2,061$1,592$1,218$924$562
24 years$2,503$1,931$1,472$1,111$831$492
25 years$2,377$1,812$1,363$1,014$748$431
26 years$2,261$1,703$1,264$927$673$378
27 years$2,154$1,603$1,174$849$607$331
28 years$2,055$1,510$1,091$778$548$291
29 years$1,963$1,425$1,016$713$495$255
30 years$1,877$1,345$946$655$447$224
31 years$1,797$1,272$882$601$404$197
32 years$1,722$1,203$823$552$366$173
33 years$1,651$1,140$768$508$331$152
34 years$1,585$1,080$718$467$300$134
35 years$1,523$1,025$671$430$271$118
36 years$1,464$972$628$396$246$104
37 years$1,409$924$588$365$223$91
38 years$1,357$878$550$337$202$80
39 years$1,307$835$516$310$183$71
40 years$1,261$794$483$286$166$62
41 years$1,216$756$453$264$151$55
42 years$1,174$720$425$244$137$48
43 years$1,134$686$399$225$124$42
44 years$1,095$654$374$208$113$37
45 years$1,059$623$352$192$102$33
46 years$1,024$595$330$177$93$29
47 years$991$568$310$164$84$26
48 years$959$542$292$151$77$22
49 years$929$517$274$140$70$20
50 years$900$494$258$129$63$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $922,000, adding $3,008 every year, while hoping to spend $36,724 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: 71/10/19 Blend
51$922,000$922,000$922,000$922,000
52$1,019,147$970,281$955,990$1,086,647
53$1,084,026$978,750$948,941$1,140,443
54$1,154,291$986,404$940,426$1,194,654
55$1,230,455$993,164$930,356$1,253,084
56$1,313,077$998,945$918,639$1,316,144
57$1,402,776$1,003,658$905,178$1,384,291
58$1,500,231$1,007,209$889,873$1,458,025
59$1,606,189$1,009,496$872,618$1,537,901
60$1,721,472$1,010,414$853,303$1,624,528
61$1,846,984$1,009,846$831,811$1,718,580
62$1,983,722$1,007,674$808,022$1,820,798
63$2,132,779$1,003,768$781,809$1,932,003
64$2,295,362$997,992$753,039$2,053,097
65$2,472,798$990,202$721,574$2,185,075
66$2,666,546$980,245$687,269$2,329,036
67$2,878,214$967,957$649,973$2,486,190
68$3,109,572$953,167$609,528$2,657,875
69$3,362,569$935,693$565,767$2,845,563
70$3,639,350$915,341$518,519$3,050,878
71$3,942,277$891,906$467,603$3,275,613
72$4,273,952$865,172$412,831$3,521,742
73$4,637,238$834,909$354,004$3,791,444
74$5,035,292$800,875$290,918$4,087,123
75$5,471,586$762,812$223,358$4,411,426
76$5,949,947$720,449$151,100$4,767,276
77$6,474,589$673,498$73,909$5,157,894
78$7,050,153$621,656$0$5,586,832
79$7,681,753$564,601$0$6,059,722
80$8,375,018$501,994$0$6,595,269
81$9,136,154$433,475$0$7,183,289
82$9,971,992$358,665$0$7,829,087
83$10,890,060$277,165$0$8,538,511
84$11,898,649$188,549$0$9,318,005
85$13,006,896$92,373$0$10,174,668
86$14,224,864$0$0$11,116,324
87$15,563,639$0$0$12,152,898
88$17,035,436$0$0$13,303,693
89$18,653,712$0$0$14,569,071
90$20,433,293$0$0$15,960,633
91$22,390,513$0$0$17,491,158
92$24,543,370$0$0$19,174,726
93$26,911,693$0$0$21,026,852
94$29,517,330$0$0$23,064,628
95$32,384,351$0$0$25,306,888
96$35,539,281$0$0$27,774,383
97$39,011,343$0$0$30,489,977
98$42,832,737$0$0$33,478,864
99$47,038,944$0$0$36,768,804
100$51,669,058$0$0$40,390,382