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 years$76,468$75,787$75,123$74,474$73,841$71,164
2 years$37,856$37,151$36,467$35,805$35,162$32,495
3 years$24,986$24,278$23,597$22,940$22,308$19,734
4 years$18,553$17,847$17,172$16,527$15,910$13,449
5 years$14,694$13,992$13,326$12,695$12,095$9,753
6 years$12,122$11,426$10,770$10,152$9,570$7,349
7 years$10,286$9,595$8,950$8,346$7,783$5,683
8 years$8,909$8,225$7,590$7,002$6,457$4,475
9 years$7,839$7,161$6,537$5,964$5,438$3,572
10 years$6,984$6,312$5,699$5,141$4,633$2,880
11 years$6,284$5,620$5,018$4,474$3,985$2,341
12 years$5,701$5,044$4,453$3,924$3,453$1,914
13 years$5,209$4,558$3,978$3,465$3,011$1,573
14 years$4,787$4,143$3,575$3,076$2,640$1,298
15 years$4,422$3,785$3,227$2,743$2,324$1,074
16 years$4,103$3,473$2,926$2,456$2,054$891
17 years$3,821$3,198$2,663$2,207$1,821$741
18 years$3,571$2,955$2,431$1,989$1,619$617
19 years$3,348$2,739$2,225$1,797$1,443$515
20 years$3,147$2,545$2,042$1,627$1,289$430
21 years$2,966$2,371$1,878$1,477$1,154$360
22 years$2,801$2,213$1,731$1,343$1,034$301
23 years$2,651$2,070$1,598$1,223$928$252
24 years$2,514$1,939$1,478$1,115$834$211
25 years$2,387$1,820$1,369$1,019$751$177
26 years$2,271$1,710$1,270$931$676$148
27 years$2,164$1,610$1,179$853$610$125
28 years$2,064$1,517$1,096$781$550$104
29 years$1,971$1,431$1,020$716$497$88
30 years$1,885$1,351$950$657$449$74
31 years$1,804$1,277$886$604$406$62
32 years$1,729$1,209$827$555$367$52
33 years$1,658$1,145$772$510$332$44
34 years$1,592$1,085$721$469$301$37
35 years$1,530$1,029$674$432$272$31
36 years$1,471$977$631$398$247$26
37 years$1,415$928$590$367$224$22
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$11
42 years$1,179$723$427$245$137$9
43 years$1,139$689$401$226$125$8
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$5
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 $5,902 every year, while hoping to spend $30,224 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: 42/43/15 Blend
51$926,000$926,000$926,000$926,000
52$1,026,540$977,462$963,109$1,064,914
53$1,099,089$993,199$963,215$1,108,244
54$1,178,025$1,008,695$962,312$1,151,698
55$1,263,967$1,023,905$960,333$1,198,102
56$1,357,598$1,038,783$957,210$1,247,739
57$1,459,668$1,053,278$952,871$1,300,923
58$1,571,002$1,067,336$947,240$1,358,000
59$1,692,509$1,080,900$940,238$1,419,353
60$1,825,189$1,093,909$931,780$1,485,404
61$1,970,144$1,106,297$921,781$1,556,619
62$2,128,587$1,117,993$910,148$1,633,515
63$2,301,852$1,128,923$896,787$1,716,660
64$2,491,408$1,139,008$881,597$1,806,683
65$2,698,874$1,148,162$864,473$1,904,279
66$2,926,032$1,156,294$845,306$2,010,215
67$3,174,844$1,163,310$823,980$2,125,339
68$3,447,471$1,169,105$800,376$2,250,584
69$3,746,293$1,173,571$774,369$2,386,985
70$4,073,931$1,176,592$745,827$2,535,681
71$4,433,272$1,178,045$714,612$2,697,933
72$4,827,496$1,177,799$680,581$2,875,131
73$5,260,104$1,175,715$643,584$3,068,810
74$5,734,954$1,171,645$603,464$3,280,664
75$6,256,297$1,165,433$560,057$3,512,565
76$6,828,812$1,156,912$513,192$3,766,577
77$7,457,657$1,145,906$462,690$4,044,981
78$8,148,511$1,132,229$408,363$4,350,291
79$8,907,633$1,115,682$350,017$4,685,286
80$9,741,916$1,096,055$287,448$5,053,029
81$10,658,957$1,073,127$220,442$5,456,904
82$11,667,121$1,046,661$148,777$5,900,641
83$12,775,628$1,016,408$72,222$6,388,360
84$13,994,634$982,104$0$6,924,604
85$15,335,329$943,470$0$7,515,906
86$16,810,043$900,210$0$8,178,714
87$18,432,358$852,011$0$8,907,602
88$20,217,242$798,542$0$9,709,350
89$22,181,185$739,455$0$10,591,430
90$24,342,355$674,378$0$11,562,086
91$26,720,775$602,922$0$12,630,407
92$29,338,501$524,672$0$13,806,415
93$32,219,839$439,192$0$15,101,165
94$35,391,572$346,022$0$16,526,841
95$38,883,209$244,673$0$18,096,884
96$42,727,266$134,632$0$19,826,111
97$46,959,573$15,355$0$21,730,858
98$51,619,610$0$0$23,829,141
99$56,750,881$0$0$26,194,636
100$62,401,323$0$0$28,807,621