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%17.3%
1 years$76,386$75,705$75,041$74,393$73,761$71,572
2 years$37,815$37,110$36,428$35,766$35,124$32,937
3 years$24,959$24,252$23,571$22,916$22,284$20,167
4 years$18,533$17,828$17,154$16,509$15,893$13,863
5 years$14,678$13,977$13,312$12,681$12,082$10,143
6 years$12,109$11,413$10,758$10,141$9,560$7,715
7 years$10,275$9,585$8,940$8,337$7,775$6,024
8 years$8,900$8,216$7,582$6,994$6,450$4,792
9 years$7,831$7,154$6,530$5,957$5,432$3,864
10 years$6,976$6,306$5,693$5,135$4,628$3,149
11 years$6,277$5,613$5,012$4,469$3,980$2,588
12 years$5,695$5,038$4,448$3,920$3,449$2,140
13 years$5,203$4,553$3,974$3,461$3,008$1,779
14 years$4,782$4,139$3,571$3,072$2,637$1,485
15 years$4,417$3,781$3,224$2,740$2,322$1,244
16 years$4,098$3,469$2,923$2,453$2,052$1,045
17 years$3,817$3,195$2,660$2,204$1,819$880
18 years$3,567$2,952$2,428$1,986$1,618$743
19 years$3,344$2,736$2,223$1,795$1,442$627
20 years$3,144$2,542$2,040$1,626$1,288$531
21 years$2,963$2,368$1,876$1,475$1,152$450
22 years$2,798$2,211$1,729$1,341$1,033$381
23 years$2,648$2,067$1,597$1,222$927$324
24 years$2,511$1,937$1,477$1,114$833$275
25 years$2,385$1,818$1,368$1,018$750$234
26 years$2,269$1,708$1,269$930$676$199
27 years$2,161$1,608$1,178$852$609$169
28 years$2,062$1,515$1,095$780$550$144
29 years$1,969$1,429$1,019$716$496$122
30 years$1,883$1,350$949$657$448$104
31 years$1,802$1,276$885$603$405$89
32 years$1,727$1,207$826$554$367$75
33 years$1,657$1,143$771$510$332$64
34 years$1,590$1,084$720$469$300$55
35 years$1,528$1,028$673$432$272$47
36 years$1,469$976$630$398$247$40
37 years$1,414$927$590$366$223$34
38 years$1,361$881$552$338$203$29
39 years$1,312$837$517$311$184$25
40 years$1,265$797$485$287$167$21
41 years$1,220$758$455$265$151$18
42 years$1,178$722$426$245$137$15
43 years$1,137$688$400$226$125$13
44 years$1,099$656$376$208$113$11
45 years$1,062$626$353$192$103$9
46 years$1,028$597$331$178$93$8
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$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $925,000, adding $3,106 every year, while hoping to spend $54,712 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: 60/10/30 Blend
51$925,000$925,000$925,000$925,000
52$1,022,554$973,529$959,191$1,075,389
53$1,068,641$963,019$933,111$1,101,350
54$1,117,596$950,160$904,323$1,123,584
55$1,169,652$934,779$872,680$1,146,723
56$1,225,067$916,694$838,025$1,170,871
57$1,284,122$895,710$800,197$1,196,141
58$1,347,125$871,622$759,026$1,222,665
59$1,414,413$844,212$714,334$1,250,586
60$1,486,355$813,251$665,937$1,280,069
61$1,563,357$778,494$613,639$1,311,296
62$1,645,863$739,684$557,240$1,344,470
63$1,734,360$696,548$496,527$1,379,820
64$1,829,384$648,798$431,280$1,417,601
65$1,931,521$596,129$361,268$1,458,098
66$2,041,416$538,219$286,249$1,501,629
67$2,159,775$474,726$205,974$1,548,548
68$2,287,377$405,292$120,178$1,599,249
69$2,425,073$329,536$28,589$1,654,172
70$2,573,803$247,056$0$1,713,807
71$2,734,597$157,427$0$1,800,834
72$2,908,587$60,202$0$1,904,928
73$3,097,019$0$0$2,017,700
74$3,301,260$0$0$2,144,965
75$3,522,818$0$0$2,290,267
76$3,763,346$0$0$2,448,075
77$4,024,666$0$0$2,619,592
78$4,308,780$0$0$2,806,141
79$4,617,893$0$0$3,009,177
80$4,954,428$0$0$3,230,302
81$5,321,053$0$0$3,471,280
82$5,720,704$0$0$3,734,048
83$6,156,612$0$0$4,020,743
84$6,632,333$0$0$4,333,715
85$7,151,781$0$0$4,675,549
86$7,719,266$0$0$5,049,094
87$8,339,532$0$0$5,457,485
88$9,017,801$0$0$5,904,174
89$9,759,824$0$0$6,392,960
90$10,571,934$0$0$6,928,029
91$11,461,101$0$0$7,513,989
92$12,435,005$0$0$8,155,915
93$13,502,100$0$0$8,859,396
94$14,671,699$0$0$9,630,587
95$15,954,057$0$0$10,476,266
96$17,360,469$0$0$11,403,901
97$18,903,378$0$0$12,421,714
98$20,596,485$0$0$13,538,765
99$22,454,886$0$0$14,765,031
100$24,495,206$0$0$16,111,504