Can I retire at age 52 with 926,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $926,000?

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$76,468$75,787$75,123$74,474$73,841$72,767
2 years$37,856$37,151$36,467$35,805$35,162$34,083
3 years$24,986$24,278$23,597$22,940$22,308$21,257
4 years$18,553$17,847$17,172$16,527$15,910$14,895
5 years$14,694$13,992$13,326$12,695$12,095$11,118
6 years$12,122$11,426$10,770$10,152$9,570$8,634
7 years$10,286$9,595$8,950$8,346$7,783$6,887
8 years$8,909$8,225$7,590$7,002$6,457$5,601
9 years$7,839$7,161$6,537$5,964$5,438$4,621
10 years$6,984$6,312$5,699$5,141$4,633$3,856
11 years$6,284$5,620$5,018$4,474$3,985$3,246
12 years$5,701$5,044$4,453$3,924$3,453$2,751
13 years$5,209$4,558$3,978$3,465$3,011$2,346
14 years$4,787$4,143$3,575$3,076$2,640$2,010
15 years$4,422$3,785$3,227$2,743$2,324$1,729
16 years$4,103$3,473$2,926$2,456$2,054$1,492
17 years$3,821$3,198$2,663$2,207$1,821$1,291
18 years$3,571$2,955$2,431$1,989$1,619$1,120
19 years$3,348$2,739$2,225$1,797$1,443$974
20 years$3,147$2,545$2,042$1,627$1,289$848
21 years$2,966$2,371$1,878$1,477$1,154$739
22 years$2,801$2,213$1,731$1,343$1,034$646
23 years$2,651$2,070$1,598$1,223$928$564
24 years$2,514$1,939$1,478$1,115$834$494
25 years$2,387$1,820$1,369$1,019$751$433
26 years$2,271$1,710$1,270$931$676$379
27 years$2,164$1,610$1,179$853$610$333
28 years$2,064$1,517$1,096$781$550$292
29 years$1,971$1,431$1,020$716$497$256
30 years$1,885$1,351$950$657$449$225
31 years$1,804$1,277$886$604$406$198
32 years$1,729$1,209$827$555$367$174
33 years$1,658$1,145$772$510$332$153
34 years$1,592$1,085$721$469$301$134
35 years$1,530$1,029$674$432$272$118
36 years$1,471$977$631$398$247$104
37 years$1,415$928$590$367$224$92
38 years$1,363$882$553$338$203$81
39 years$1,313$838$518$312$184$71
40 years$1,266$798$485$287$167$62
41 years$1,221$759$455$265$151$55
42 years$1,179$723$427$245$137$48
43 years$1,139$689$401$226$125$43
44 years$1,100$657$376$209$113$38
45 years$1,064$626$353$193$103$33
46 years$1,029$597$332$178$93$29
47 years$995$570$312$164$85$26
48 years$964$544$293$152$77$23
49 years$933$520$275$140$70$20
50 years$904$496$259$130$63$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $926,000, adding $5,945 every year, while hoping to spend $26,010 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: 37/37/26 Blend
51$926,000$926,000$926,000$926,000
52$1,026,584$977,506$963,153$1,056,392
53$1,103,621$997,730$967,744$1,099,069
54$1,187,645$1,018,072$971,618$1,142,321
55$1,279,339$1,038,512$974,722$1,188,534
56$1,379,459$1,059,027$977,002$1,237,992
57$1,488,834$1,079,589$978,402$1,291,008
58$1,608,378$1,100,172$978,862$1,347,927
59$1,739,098$1,120,746$978,319$1,409,132
60$1,882,102$1,141,278$976,708$1,475,044
61$2,038,609$1,161,733$973,960$1,546,129
62$2,209,962$1,182,073$970,003$1,622,900
63$2,397,640$1,202,258$964,761$1,705,924
64$2,603,274$1,222,242$958,154$1,795,827
65$2,828,655$1,241,980$950,100$1,893,300
66$3,075,761$1,261,420$940,511$1,999,105
67$3,346,767$1,280,508$929,297$2,114,085
68$3,644,070$1,299,185$916,361$2,239,167
69$3,970,310$1,317,390$901,603$2,375,378
70$4,328,394$1,335,055$884,920$2,523,849
71$4,721,526$1,352,108$866,200$2,685,829
72$5,153,234$1,368,474$845,330$2,862,696
73$5,627,404$1,384,070$822,190$3,055,971
74$6,148,319$1,398,809$796,653$3,267,332
75$6,720,696$1,412,598$768,588$3,498,631
76$7,349,730$1,425,338$737,859$3,751,913
77$8,041,146$1,436,924$704,321$4,029,431
78$8,801,252$1,447,242$667,825$4,333,673
79$9,636,996$1,456,173$628,213$4,667,383
80$10,556,033$1,463,589$585,322$5,033,591
81$11,566,798$1,469,355$538,980$5,435,635
82$12,678,584$1,473,325$489,008$5,877,202
83$13,901,628$1,475,348$435,219$6,362,356
84$15,247,213$1,475,259$377,418$6,895,581
85$16,727,768$1,472,885$315,400$7,481,824
86$18,356,987$1,468,044$248,953$8,126,540
87$20,149,961$1,460,539$177,854$8,835,746
88$22,123,316$1,450,164$101,871$9,616,079
89$24,295,372$1,436,700$20,762$10,474,859
90$26,686,316$1,419,914$0$11,420,158
91$29,318,389$1,399,559$0$12,479,133
92$32,216,100$1,375,373$0$13,650,680
93$35,406,457$1,347,080$0$14,939,939
94$38,919,215$1,314,387$0$16,358,926
95$42,787,166$1,276,983$0$17,920,892
96$47,046,441$1,234,539$0$19,640,441
97$51,736,854$1,186,708$0$21,533,669
98$56,902,277$1,133,120$0$23,618,323
99$62,591,053$1,073,387$0$25,913,962
100$68,856,454$1,007,096$0$28,442,146