Can I retire at age 52 with 927,000?

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 $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%12.6%
1 years$76,551$75,869$75,204$74,554$73,920$73,118
2 years$37,896$37,191$36,507$35,843$35,200$34,392
3 years$25,013$24,304$23,622$22,965$22,332$21,544
4 years$18,573$17,866$17,191$16,545$15,928$15,165
5 years$14,710$14,007$13,341$12,708$12,108$11,373
6 years$12,135$11,438$10,781$10,163$9,581$8,875
7 years$10,297$9,606$8,959$8,355$7,792$7,115
8 years$8,919$8,234$7,598$7,009$6,464$5,816
9 years$7,848$7,169$6,544$5,970$5,444$4,824
10 years$6,991$6,319$5,706$5,146$4,638$4,047
11 years$6,291$5,626$5,023$4,479$3,989$3,426
12 years$5,708$5,049$4,458$3,929$3,457$2,921
13 years$5,215$4,563$3,983$3,468$3,014$2,505
14 years$4,792$4,148$3,579$3,079$2,642$2,159
15 years$4,427$3,789$3,231$2,746$2,327$1,869
16 years$4,107$3,476$2,929$2,459$2,056$1,623
17 years$3,825$3,202$2,666$2,209$1,823$1,413
18 years$3,575$2,958$2,433$1,991$1,621$1,234
19 years$3,352$2,742$2,228$1,799$1,445$1,080
20 years$3,151$2,548$2,044$1,629$1,291$946
21 years$2,969$2,373$1,880$1,479$1,155$831
22 years$2,804$2,215$1,733$1,344$1,035$731
23 years$2,654$2,072$1,600$1,224$929$643
24 years$2,516$1,941$1,480$1,117$835$567
25 years$2,390$1,822$1,371$1,020$752$500
26 years$2,273$1,712$1,271$932$677$441
27 years$2,166$1,611$1,180$854$610$390
28 years$2,066$1,518$1,097$782$551$345
29 years$1,973$1,432$1,021$717$497$305
30 years$1,887$1,353$951$658$449$270
31 years$1,806$1,279$887$604$406$239
32 years$1,731$1,210$827$555$368$211
33 years$1,660$1,146$773$511$333$187
34 years$1,594$1,086$722$470$301$166
35 years$1,531$1,030$675$433$273$147
36 years$1,472$978$631$398$247$130
37 years$1,417$929$591$367$224$116
38 years$1,364$883$553$338$203$103
39 years$1,314$839$518$312$184$91
40 years$1,267$798$486$288$167$81
41 years$1,223$760$456$266$152$72
42 years$1,180$724$427$245$137$63
43 years$1,140$690$401$226$125$56
44 years$1,101$657$376$209$113$50
45 years$1,065$627$353$193$103$44
46 years$1,030$598$332$178$93$39
47 years$997$571$312$165$85$35
48 years$965$545$293$152$77$31
49 years$934$520$276$141$70$28
50 years$905$497$259$130$64$24

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $927,000, adding $4,689 every year, while hoping to spend $34,256 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: 37/48/15 Blend
51$927,000$927,000$927,000$927,000
52$1,026,391$977,260$962,891$1,059,522
53$1,094,634$988,697$958,700$1,095,194
54$1,168,691$999,547$953,220$1,130,079
55$1,249,117$1,009,745$946,373$1,167,023
56$1,336,525$1,019,220$938,074$1,206,229
57$1,431,588$1,027,900$928,237$1,247,919
58$1,535,048$1,035,705$916,771$1,292,342
59$1,647,720$1,042,552$903,580$1,339,775
60$1,770,502$1,048,351$888,565$1,390,522
61$1,904,381$1,053,008$871,620$1,444,922
62$2,050,445$1,056,422$852,635$1,503,352
63$2,209,889$1,058,486$831,497$1,566,226
64$2,384,031$1,059,084$808,086$1,634,007
65$2,574,320$1,058,098$782,275$1,707,204
66$2,782,353$1,055,397$753,934$1,786,385
67$3,009,888$1,050,846$722,925$1,872,174
68$3,258,858$1,044,299$689,104$1,965,268
69$3,531,395$1,035,603$652,323$2,066,433
70$3,829,845$1,024,596$612,424$2,176,520
71$4,156,792$1,011,104$569,243$2,296,470
72$4,515,081$994,944$522,608$2,427,326
73$4,907,846$975,923$472,342$2,570,239
74$5,338,538$953,835$418,257$2,726,484
75$5,810,958$928,462$360,159$2,897,473
76$6,329,294$899,575$297,842$3,084,764
77$6,898,157$866,929$231,095$3,290,082
78$7,522,627$830,267$159,695$3,515,335
79$8,208,301$789,315$83,410$3,762,630
80$8,961,341$743,785$1,998$4,034,299
81$9,788,539$693,372$0$4,332,918
82$10,697,375$637,752$0$4,674,918
83$11,696,091$576,585$0$5,051,085
84$12,793,764$509,510$0$5,464,618
85$14,000,396$436,144$0$5,919,403
86$15,327,008$356,087$0$6,419,731
87$16,785,740$268,912$0$6,970,336
88$18,389,966$174,170$0$7,576,446
89$20,154,424$71,385$0$8,243,830
90$22,095,350$0$0$8,978,857
91$24,230,634$0$0$9,809,650
92$26,579,986$0$0$10,765,365
93$29,165,123$0$0$11,817,150
94$32,009,974$0$0$12,974,758
95$35,140,906$0$0$14,248,939
96$38,586,969$0$0$15,651,536
97$42,380,173$0$0$17,195,596
98$46,555,791$0$0$18,895,501
99$51,152,686$0$0$20,767,094
100$56,213,682$0$0$22,827,832