Can I retire at age 52 with 923,000?

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 $923,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$76,220$75,542$74,879$74,233$73,601$71,274
2 years$37,733$37,030$36,349$35,689$35,048$32,724
3 years$24,905$24,200$23,520$22,866$22,236$19,989
4 years$18,493$17,789$17,117$16,474$15,859$13,706
5 years$14,646$13,947$13,283$12,653$12,056$10,002
6 years$12,083$11,389$10,735$10,119$9,539$7,587
7 years$10,253$9,564$8,921$8,319$7,758$5,907
8 years$8,880$8,198$7,565$6,979$6,436$4,685
9 years$7,814$7,138$6,516$5,945$5,420$3,767
10 years$6,961$6,292$5,681$5,124$4,618$3,060
11 years$6,264$5,601$5,001$4,460$3,972$2,506
12 years$5,683$5,027$4,439$3,912$3,442$2,066
13 years$5,192$4,543$3,966$3,453$3,001$1,712
14 years$4,772$4,130$3,563$3,066$2,631$1,424
15 years$4,407$3,773$3,217$2,734$2,317$1,189
16 years$4,089$3,461$2,917$2,448$2,047$995
17 years$3,809$3,188$2,654$2,199$1,815$835
18 years$3,560$2,946$2,423$1,982$1,614$702
19 years$3,337$2,730$2,218$1,791$1,439$591
20 years$3,137$2,537$2,036$1,622$1,285$498
21 years$2,956$2,363$1,872$1,472$1,150$420
22 years$2,792$2,206$1,726$1,339$1,031$355
23 years$2,642$2,063$1,593$1,219$925$300
24 years$2,505$1,933$1,474$1,112$832$254
25 years$2,380$1,814$1,365$1,015$748$215
26 years$2,264$1,705$1,266$928$674$182
27 years$2,157$1,604$1,175$850$608$154
28 years$2,057$1,512$1,093$779$548$131
29 years$1,965$1,426$1,017$714$495$111
30 years$1,879$1,347$947$655$447$94
31 years$1,799$1,273$883$602$405$80
32 years$1,723$1,205$824$553$366$67
33 years$1,653$1,141$769$509$331$57
34 years$1,587$1,081$719$468$300$49
35 years$1,525$1,026$672$431$272$41
36 years$1,466$973$629$397$246$35
37 years$1,411$925$588$366$223$30
38 years$1,358$879$551$337$202$25
39 years$1,309$836$516$311$183$21
40 years$1,262$795$484$287$166$18
41 years$1,217$757$454$264$151$15
42 years$1,175$721$426$244$137$13
43 years$1,135$687$399$225$124$11
44 years$1,097$655$375$208$113$9
45 years$1,060$624$352$192$102$8
46 years$1,025$595$331$177$93$7
47 years$992$568$311$164$84$6
48 years$961$542$292$151$77$5
49 years$930$518$274$140$70$4
50 years$901$495$258$129$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $923,000, adding $6,247 every year, while hoping to spend $46,905 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: 60/34/6 Blend
51$923,000$923,000$923,000$923,000
52$1,023,590$974,671$960,364$1,083,461
53$1,078,089$972,523$942,630$1,122,131
54$1,136,576$968,698$922,729$1,158,330
55$1,199,406$963,064$900,541$1,196,618
56$1,266,973$955,481$875,936$1,237,196
57$1,339,706$945,802$848,782$1,280,289
58$1,418,078$933,868$818,938$1,326,144
59$1,502,609$919,514$786,259$1,375,036
60$1,593,867$902,563$750,591$1,427,270
61$1,692,481$882,828$711,775$1,483,184
62$1,799,139$860,112$669,645$1,543,153
63$1,914,598$834,204$624,024$1,607,591
64$2,039,690$804,883$574,732$1,676,958
65$2,175,330$771,914$521,577$1,751,765
66$2,322,525$735,048$464,361$1,832,576
67$2,482,380$694,024$402,875$1,920,016
68$2,656,114$648,562$336,903$2,014,778
69$2,845,066$598,370$266,217$2,117,628
70$3,050,709$543,136$190,581$2,229,415
71$3,274,664$482,532$109,748$2,351,079
72$3,518,714$416,211$23,460$2,483,660
73$3,784,825$343,807$0$2,628,309
74$4,075,155$264,931$0$2,790,692
75$4,392,083$179,176$0$2,969,714
76$4,738,228$86,108$0$3,165,447
77$5,116,472$0$0$3,379,635
78$5,529,987$0$0$3,619,714
79$5,982,268$0$0$3,917,605
80$6,477,160$0$0$4,243,635
81$7,018,899$0$0$4,600,602
82$7,612,149$0$0$4,991,590
83$8,262,046$0$0$5,419,992
84$8,974,247$0$0$5,889,549
85$9,754,980$0$0$6,404,377
86$10,611,107$0$0$6,969,011
87$11,550,185$0$0$7,588,447
88$12,580,535$0$0$8,268,186
89$13,711,327$0$0$9,014,289
90$14,952,659$0$0$9,833,430
91$16,315,653$0$0$10,732,964
92$17,812,564$0$0$11,720,991
93$19,456,891$0$0$12,806,435
94$21,263,504$0$0$13,999,126
95$23,248,784$0$0$15,309,894
96$25,430,780$0$0$16,750,670
97$27,829,374$0$0$18,334,599
98$30,466,471$0$0$20,076,163
99$33,366,205$0$0$21,991,316
100$36,555,164$0$0$24,097,638