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%13.9%
1 years$76,386$75,705$75,041$74,393$73,761$72,569
2 years$37,815$37,110$36,428$35,766$35,124$33,926
3 years$24,959$24,252$23,571$22,916$22,284$21,118
4 years$18,533$17,828$17,154$16,509$15,893$14,768
5 years$14,678$13,977$13,312$12,681$12,082$11,000
6 years$12,109$11,413$10,758$10,141$9,560$8,523
7 years$10,275$9,585$8,940$8,337$7,775$6,784
8 years$8,900$8,216$7,582$6,994$6,450$5,504
9 years$7,831$7,154$6,530$5,957$5,432$4,531
10 years$6,976$6,306$5,693$5,135$4,628$3,771
11 years$6,277$5,613$5,012$4,469$3,980$3,166
12 years$5,695$5,038$4,448$3,920$3,449$2,677
13 years$5,203$4,553$3,974$3,461$3,008$2,277
14 years$4,782$4,139$3,571$3,072$2,637$1,945
15 years$4,417$3,781$3,224$2,740$2,322$1,669
16 years$4,098$3,469$2,923$2,453$2,052$1,436
17 years$3,817$3,195$2,660$2,204$1,819$1,239
18 years$3,567$2,952$2,428$1,986$1,618$1,072
19 years$3,344$2,736$2,223$1,795$1,442$929
20 years$3,144$2,542$2,040$1,626$1,288$807
21 years$2,963$2,368$1,876$1,475$1,152$701
22 years$2,798$2,211$1,729$1,341$1,033$611
23 years$2,648$2,067$1,597$1,222$927$532
24 years$2,511$1,937$1,477$1,114$833$464
25 years$2,385$1,818$1,368$1,018$750$405
26 years$2,269$1,708$1,269$930$676$354
27 years$2,161$1,608$1,178$852$609$310
28 years$2,062$1,515$1,095$780$550$271
29 years$1,969$1,429$1,019$716$496$237
30 years$1,883$1,350$949$657$448$207
31 years$1,802$1,276$885$603$405$182
32 years$1,727$1,207$826$554$367$159
33 years$1,657$1,143$771$510$332$139
34 years$1,590$1,084$720$469$300$122
35 years$1,528$1,028$673$432$272$107
36 years$1,469$976$630$398$247$94
37 years$1,414$927$590$366$223$82
38 years$1,361$881$552$338$203$72
39 years$1,312$837$517$311$184$63
40 years$1,265$797$485$287$167$56
41 years$1,220$758$455$265$151$49
42 years$1,178$722$426$245$137$43
43 years$1,137$688$400$226$125$38
44 years$1,099$656$376$208$113$33
45 years$1,062$626$353$192$103$29
46 years$1,028$597$331$178$93$25
47 years$994$569$311$164$85$22
48 years$963$544$292$152$77$20
49 years$932$519$275$140$70$17
50 years$903$496$258$130$63$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $925,000, adding $2,674 every year, while hoping to spend $40,278 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: 28/42/30 Blend
51$925,000$925,000$925,000$925,000
52$1,022,108$973,083$958,746$1,041,199
53$1,083,508$977,909$948,008$1,061,641
54$1,149,820$981,621$935,561$1,079,958
55$1,221,504$984,122$921,304$1,098,841
56$1,299,063$985,310$905,134$1,118,368
57$1,383,052$985,075$886,940$1,138,626
58$1,474,079$983,299$866,609$1,159,718
59$1,572,815$979,860$844,019$1,181,758
60$1,679,995$974,627$819,048$1,204,878
61$1,796,431$967,460$791,562$1,229,225
62$1,923,013$958,212$761,425$1,254,967
63$2,060,722$946,726$728,495$1,282,294
64$2,210,636$932,836$692,620$1,311,418
65$2,373,943$916,367$653,645$1,342,580
66$2,551,949$897,132$611,405$1,376,050
67$2,746,090$874,935$565,730$1,412,133
68$2,957,951$849,566$516,441$1,451,169
69$3,189,271$820,804$463,352$1,493,540
70$3,441,969$788,415$406,266$1,539,674
71$3,718,155$752,153$344,981$1,590,052
72$4,020,152$711,754$279,284$1,645,208
73$4,350,520$666,942$208,952$1,705,740
74$4,712,076$617,425$133,754$1,772,319
75$5,107,920$562,892$53,448$1,845,689
76$5,541,470$503,015$0$1,926,682
77$6,016,488$437,450$0$2,026,549
78$6,537,115$365,831$0$2,154,926
79$7,107,915$287,771$0$2,295,925
80$7,733,913$202,863$0$2,450,916
81$8,420,644$110,675$0$2,621,415
82$9,174,205$10,753$0$2,809,103
83$10,001,310$0$0$3,015,840
84$10,909,358$0$0$3,288,690
85$11,906,495$0$0$3,593,926
86$13,001,699$0$0$3,929,344
87$14,204,856$0$0$4,297,993
88$15,526,861$0$0$4,703,231
89$16,979,713$0$0$5,148,759
90$18,576,633$0$0$5,638,654
91$20,332,186$0$0$6,177,407
92$22,262,419$0$0$6,769,966
93$24,385,011$0$0$7,421,785
94$26,719,439$0$0$8,138,868
95$29,287,164$0$0$8,927,837
96$32,111,832$0$0$9,795,982
97$35,219,492$0$0$10,751,340
98$38,638,850$0$0$11,802,764
99$42,401,532$0$0$12,960,008
100$46,542,386$0$0$14,233,823