Can I retire at age 52 with 926,000?

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 $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%19.1%
1 years$76,468$75,787$75,123$74,474$73,841$71,136
2 years$37,856$37,151$36,467$35,805$35,162$32,467
3 years$24,986$24,278$23,597$22,940$22,308$19,708
4 years$18,553$17,847$17,172$16,527$15,910$13,425
5 years$14,694$13,992$13,326$12,695$12,095$9,730
6 years$12,122$11,426$10,770$10,152$9,570$7,328
7 years$10,286$9,595$8,950$8,346$7,783$5,663
8 years$8,909$8,225$7,590$7,002$6,457$4,457
9 years$7,839$7,161$6,537$5,964$5,438$3,555
10 years$6,984$6,312$5,699$5,141$4,633$2,865
11 years$6,284$5,620$5,018$4,474$3,985$2,327
12 years$5,701$5,044$4,453$3,924$3,453$1,901
13 years$5,209$4,558$3,978$3,465$3,011$1,561
14 years$4,787$4,143$3,575$3,076$2,640$1,287
15 years$4,422$3,785$3,227$2,743$2,324$1,065
16 years$4,103$3,473$2,926$2,456$2,054$883
17 years$3,821$3,198$2,663$2,207$1,821$734
18 years$3,571$2,955$2,431$1,989$1,619$611
19 years$3,348$2,739$2,225$1,797$1,443$509
20 years$3,147$2,545$2,042$1,627$1,289$425
21 years$2,966$2,371$1,878$1,477$1,154$355
22 years$2,801$2,213$1,731$1,343$1,034$297
23 years$2,651$2,070$1,598$1,223$928$248
24 years$2,514$1,939$1,478$1,115$834$208
25 years$2,387$1,820$1,369$1,019$751$174
26 years$2,271$1,710$1,270$931$676$146
27 years$2,164$1,610$1,179$853$610$122
28 years$2,064$1,517$1,096$781$550$103
29 years$1,971$1,431$1,020$716$497$86
30 years$1,885$1,351$950$657$449$72
31 years$1,804$1,277$886$604$406$61
32 years$1,729$1,209$827$555$367$51
33 years$1,658$1,145$772$510$332$43
34 years$1,592$1,085$721$469$301$36
35 years$1,530$1,029$674$432$272$30
36 years$1,471$977$631$398$247$25
37 years$1,415$928$590$367$224$21
38 years$1,363$882$553$338$203$18
39 years$1,313$838$518$312$184$15
40 years$1,266$798$485$287$167$13
41 years$1,221$759$455$265$151$10
42 years$1,179$723$427$245$137$9
43 years$1,139$689$401$226$125$7
44 years$1,100$657$376$209$113$6
45 years$1,064$626$353$193$103$5
46 years$1,029$597$332$178$93$4
47 years$995$570$312$164$85$4
48 years$964$544$293$152$77$3
49 years$933$520$275$140$70$3
50 years$904$496$259$130$63$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $926,000, adding $6,192 every year, while hoping to spend $20,473 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: 65/29/6 Blend
51$926,000$926,000$926,000$926,000
52$1,026,839$977,761$963,408$1,092,183
53$1,109,794$1,003,888$973,899$1,162,527
54$1,200,523$1,030,609$984,055$1,236,332
55$1,299,799$1,057,932$993,844$1,316,421
56$1,408,472$1,085,864$1,003,231$1,403,402
57$1,527,476$1,114,411$1,012,179$1,497,946
58$1,657,841$1,143,580$1,020,650$1,600,790
59$1,800,703$1,173,377$1,028,603$1,712,745
60$1,957,310$1,203,808$1,035,997$1,834,707
61$2,129,038$1,234,877$1,042,785$1,967,659
62$2,317,403$1,266,589$1,048,922$2,112,685
63$2,524,074$1,298,948$1,054,357$2,270,980
64$2,750,891$1,331,957$1,059,038$2,443,857
65$2,999,877$1,365,619$1,062,912$2,632,766
66$3,273,264$1,399,934$1,065,919$2,839,301
67$3,573,510$1,434,904$1,068,000$3,065,219
68$3,903,322$1,470,527$1,069,092$3,312,455
69$4,265,681$1,506,804$1,069,128$3,583,142
70$4,663,875$1,543,732$1,068,037$3,879,627
71$5,101,522$1,581,306$1,065,748$4,204,498
72$5,582,609$1,619,522$1,062,183$4,560,604
73$6,111,531$1,658,374$1,057,261$4,951,087
74$6,693,126$1,697,854$1,050,899$5,379,405
75$7,332,729$1,737,952$1,043,008$5,849,369
76$8,036,213$1,778,658$1,033,494$6,365,180
77$8,810,052$1,819,958$1,022,262$6,931,464
78$9,661,378$1,861,837$1,009,209$7,553,319
79$10,598,050$1,904,278$994,228$8,236,362
80$11,628,726$1,947,262$977,209$8,986,782
81$12,762,945$1,990,767$958,035$9,811,400
82$14,011,219$2,034,769$936,583$10,717,729
83$15,385,131$2,079,239$912,726$11,714,051
84$16,897,441$2,124,150$886,330$12,809,488
85$18,562,213$2,169,466$857,254$14,014,094
86$20,394,941$2,215,151$825,354$15,338,949
87$22,412,697$2,261,165$790,476$16,796,261
88$24,634,294$2,307,465$752,459$18,399,481
89$27,080,463$2,354,002$711,137$20,163,434
90$29,774,045$2,400,723$666,335$22,104,455
91$32,740,211$2,447,572$617,871$24,240,545
92$36,006,697$2,494,486$565,553$26,591,540
93$39,604,063$2,541,400$509,183$29,179,299
94$43,565,989$2,588,240$448,552$32,027,912
95$47,929,584$2,634,927$383,442$35,163,922
96$52,735,741$2,681,379$313,627$38,616,583
97$58,029,523$2,727,502$238,870$42,418,129
98$63,860,584$2,773,200$158,922$46,604,084
99$70,283,643$2,818,366$73,526$51,213,594
100$77,358,997$2,862,888$0$56,289,800