Can I retire at age 52 with 927,000?

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 $927,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.6%
1 years$76,551$75,869$75,204$74,554$73,920$71,929
2 years$37,896$37,191$36,507$35,843$35,200$33,208
3 years$25,013$24,304$23,622$22,965$22,332$20,402
4 years$18,573$17,866$17,191$16,545$15,928$14,074
5 years$14,710$14,007$13,341$12,708$12,108$10,336
6 years$12,135$11,438$10,781$10,163$9,581$7,892
7 years$10,297$9,606$8,959$8,355$7,792$6,186
8 years$8,919$8,234$7,598$7,009$6,464$4,941
9 years$7,848$7,169$6,544$5,970$5,444$4,002
10 years$6,991$6,319$5,706$5,146$4,638$3,276
11 years$6,291$5,626$5,023$4,479$3,989$2,704
12 years$5,708$5,049$4,458$3,929$3,457$2,246
13 years$5,215$4,563$3,983$3,468$3,014$1,876
14 years$4,792$4,148$3,579$3,079$2,642$1,574
15 years$4,427$3,789$3,231$2,746$2,327$1,325
16 years$4,107$3,476$2,929$2,459$2,056$1,119
17 years$3,825$3,202$2,666$2,209$1,823$947
18 years$3,575$2,958$2,433$1,991$1,621$803
19 years$3,352$2,742$2,228$1,799$1,445$682
20 years$3,151$2,548$2,044$1,629$1,291$580
21 years$2,969$2,373$1,880$1,479$1,155$494
22 years$2,804$2,215$1,733$1,344$1,035$421
23 years$2,654$2,072$1,600$1,224$929$360
24 years$2,516$1,941$1,480$1,117$835$307
25 years$2,390$1,822$1,371$1,020$752$262
26 years$2,273$1,712$1,271$932$677$224
27 years$2,166$1,611$1,180$854$610$192
28 years$2,066$1,518$1,097$782$551$164
29 years$1,973$1,432$1,021$717$497$141
30 years$1,887$1,353$951$658$449$120
31 years$1,806$1,279$887$604$406$103
32 years$1,731$1,210$827$555$368$88
33 years$1,660$1,146$773$511$333$76
34 years$1,594$1,086$722$470$301$65
35 years$1,531$1,030$675$433$273$56
36 years$1,472$978$631$398$247$48
37 years$1,417$929$591$367$224$41
38 years$1,364$883$553$338$203$35
39 years$1,314$839$518$312$184$30
40 years$1,267$798$486$288$167$26
41 years$1,223$760$456$266$152$22
42 years$1,180$724$427$245$137$19
43 years$1,140$690$401$226$125$16
44 years$1,101$657$376$209$113$14
45 years$1,065$627$353$193$103$12
46 years$1,030$598$332$178$93$10
47 years$997$571$312$165$85$9
48 years$965$545$293$152$77$8
49 years$934$520$276$141$70$6
50 years$905$497$259$130$64$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $927,000, adding $4,908 every year, while hoping to spend $45,169 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: 56/30/14 Blend
51$927,000$927,000$927,000$927,000
52$1,026,617$977,486$963,117$1,080,126
53$1,083,272$977,323$947,322$1,116,817
54$1,144,192$975,638$929,484$1,151,417
55$1,209,765$972,310$909,487$1,188,062
56$1,280,416$967,207$887,209$1,226,956
57$1,356,611$960,193$862,523$1,268,326
58$1,438,864$951,122$835,297$1,312,423
59$1,527,740$939,838$805,391$1,359,527
60$1,623,857$926,178$772,659$1,409,947
61$1,727,897$909,967$736,950$1,464,028
62$1,840,609$891,022$698,104$1,522,151
63$1,962,816$869,148$655,956$1,584,738
64$2,095,425$844,137$610,331$1,652,259
65$2,239,430$815,771$561,049$1,725,233
66$2,395,926$783,819$507,919$1,804,236
67$2,566,121$748,036$450,744$1,889,906
68$2,751,337$708,162$389,317$1,982,949
69$2,953,036$663,924$323,421$2,084,150
70$3,172,821$615,032$252,831$2,194,373
71$3,412,459$561,179$177,311$2,314,581
72$3,673,894$502,041$96,616$2,445,834
73$3,959,267$437,277$10,488$2,589,309
74$4,270,934$366,524$0$2,746,307
75$4,611,486$289,401$0$2,930,432
76$4,983,780$205,504$0$3,133,575
77$5,390,958$114,406$0$3,355,974
78$5,836,481$15,658$0$3,599,622
79$6,324,161$0$0$3,866,722
80$6,858,193$0$0$4,189,816
81$7,443,200$0$0$4,549,496
82$8,084,269$0$0$4,943,732
83$8,787,006$0$0$5,375,980
84$9,557,583$0$0$5,850,049
85$10,402,800$0$0$6,370,133
86$11,330,145$0$0$6,940,852
87$12,347,866$0$0$7,567,296
88$13,465,050$0$0$8,255,068
89$14,691,703$0$0$9,010,344
90$16,038,852$0$0$9,839,926
91$17,518,640$0$0$10,751,307
92$19,144,448$0$0$11,752,742
93$20,931,013$0$0$12,853,324
94$22,894,574$0$0$14,063,073
95$25,053,018$0$0$15,393,025
96$27,426,055$0$0$16,855,341
97$30,035,397$0$0$18,463,419
98$32,904,966$0$0$20,232,018
99$36,061,119$0$0$22,177,403
100$39,532,895$0$0$24,317,491