Can I retire at age 52 with 925,000?

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 $925,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.1%
1 years$76,386$75,705$75,041$74,393$73,761$71,629
2 years$37,815$37,110$36,428$35,766$35,124$32,994
3 years$24,959$24,252$23,571$22,916$22,284$20,221
4 years$18,533$17,828$17,154$16,509$15,893$13,914
5 years$14,678$13,977$13,312$12,681$12,082$10,192
6 years$12,109$11,413$10,758$10,141$9,560$7,760
7 years$10,275$9,585$8,940$8,337$7,775$6,066
8 years$8,900$8,216$7,582$6,994$6,450$4,831
9 years$7,831$7,154$6,530$5,957$5,432$3,901
10 years$6,976$6,306$5,693$5,135$4,628$3,183
11 years$6,277$5,613$5,012$4,469$3,980$2,619
12 years$5,695$5,038$4,448$3,920$3,449$2,169
13 years$5,203$4,553$3,974$3,461$3,008$1,805
14 years$4,782$4,139$3,571$3,072$2,637$1,509
15 years$4,417$3,781$3,224$2,740$2,322$1,266
16 years$4,098$3,469$2,923$2,453$2,052$1,065
17 years$3,817$3,195$2,660$2,204$1,819$898
18 years$3,567$2,952$2,428$1,986$1,618$759
19 years$3,344$2,736$2,223$1,795$1,442$642
20 years$3,144$2,542$2,040$1,626$1,288$544
21 years$2,963$2,368$1,876$1,475$1,152$462
22 years$2,798$2,211$1,729$1,341$1,033$392
23 years$2,648$2,067$1,597$1,222$927$333
24 years$2,511$1,937$1,477$1,114$833$284
25 years$2,385$1,818$1,368$1,018$750$241
26 years$2,269$1,708$1,269$930$676$206
27 years$2,161$1,608$1,178$852$609$175
28 years$2,062$1,515$1,095$780$550$149
29 years$1,969$1,429$1,019$716$496$127
30 years$1,883$1,350$949$657$448$108
31 years$1,802$1,276$885$603$405$92
32 years$1,727$1,207$826$554$367$79
33 years$1,657$1,143$771$510$332$67
34 years$1,590$1,084$720$469$300$57
35 years$1,528$1,028$673$432$272$49
36 years$1,469$976$630$398$247$42
37 years$1,414$927$590$366$223$36
38 years$1,361$881$552$338$203$30
39 years$1,312$837$517$311$184$26
40 years$1,265$797$485$287$167$22
41 years$1,220$758$455$265$151$19
42 years$1,178$722$426$245$137$16
43 years$1,137$688$400$226$125$14
44 years$1,099$656$376$208$113$12
45 years$1,062$626$353$192$103$10
46 years$1,028$597$331$178$93$9
47 years$994$569$311$164$85$7
48 years$963$544$292$152$77$6
49 years$932$519$275$140$70$5
50 years$903$496$258$130$63$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $925,000, adding $2,700 every year, while hoping to spend $22,056 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: 54/19/27 Blend
51$925,000$925,000$925,000$925,000
52$1,022,135$973,110$958,773$1,069,539
53$1,102,925$997,325$967,424$1,126,784
54$1,191,217$1,021,987$975,626$1,186,583
55$1,287,752$1,047,096$983,340$1,251,242
56$1,393,347$1,072,648$990,527$1,321,235
57$1,508,902$1,098,640$997,142$1,397,086
58$1,635,406$1,125,070$1,003,143$1,479,369
59$1,773,950$1,151,931$1,008,481$1,568,721
60$1,925,736$1,179,218$1,013,108$1,665,841
61$2,092,085$1,206,924$1,016,971$1,771,499
62$2,274,454$1,235,040$1,020,016$1,886,546
63$2,474,448$1,263,557$1,022,186$2,011,920
64$2,693,833$1,292,462$1,023,421$2,148,651
65$2,934,555$1,321,745$1,023,657$2,297,879
66$3,198,759$1,351,389$1,022,828$2,460,857
67$3,488,805$1,381,380$1,020,866$2,638,969
68$3,807,295$1,411,699$1,017,697$2,833,738
69$4,157,094$1,442,327$1,013,244$3,046,845
70$4,541,358$1,473,242$1,007,428$3,280,141
71$4,963,564$1,504,418$1,000,165$3,535,666
72$5,427,544$1,535,831$991,367$3,815,672
73$5,937,517$1,567,450$980,941$4,122,637
74$6,498,133$1,599,244$968,791$4,459,296
75$7,114,513$1,631,178$954,817$4,828,661
76$7,792,302$1,663,215$938,912$5,234,054
77$8,537,717$1,695,312$920,966$5,679,136
78$9,357,608$1,727,426$900,862$6,167,942
79$10,259,523$1,759,509$878,479$6,704,920
80$11,251,778$1,791,508$853,692$7,294,973
81$12,343,534$1,823,367$826,366$7,943,506
82$13,544,888$1,855,026$796,363$8,656,475
83$14,866,964$1,886,419$763,537$9,440,446
84$16,322,016$1,917,475$727,738$10,302,656
85$17,923,551$1,948,120$688,806$11,251,083
86$19,686,447$1,978,273$646,575$12,294,520
87$21,627,102$2,007,846$600,873$13,442,657
88$23,763,582$2,036,745$551,518$14,706,177
89$26,115,794$2,064,873$498,320$16,096,854
90$28,705,674$2,092,120$441,083$17,627,664
91$31,557,393$2,118,374$379,599$19,312,912
92$34,697,585$2,143,513$313,654$21,168,362
93$38,155,599$2,167,405$243,021$23,211,391
94$41,963,774$2,189,912$167,467$25,461,151
95$46,157,746$2,210,885$86,745$27,938,749
96$50,776,785$2,230,167$599$30,667,450
97$55,864,160$2,247,588$0$33,672,897
98$61,467,554$2,262,970$0$37,009,663
99$67,639,510$2,276,121$0$40,684,478
100$74,437,926$2,286,837$0$44,731,582