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%16.5%
1 years$76,551$75,869$75,204$74,554$73,920$71,958
2 years$37,896$37,191$36,507$35,843$35,200$33,237
3 years$25,013$24,304$23,622$22,965$22,332$20,430
4 years$18,573$17,866$17,191$16,545$15,928$14,100
5 years$14,710$14,007$13,341$12,708$12,108$10,360
6 years$12,135$11,438$10,781$10,163$9,581$7,915
7 years$10,297$9,606$8,959$8,355$7,792$6,208
8 years$8,919$8,234$7,598$7,009$6,464$4,961
9 years$7,848$7,169$6,544$5,970$5,444$4,021
10 years$6,991$6,319$5,706$5,146$4,638$3,293
11 years$6,291$5,626$5,023$4,479$3,989$2,720
12 years$5,708$5,049$4,458$3,929$3,457$2,261
13 years$5,215$4,563$3,983$3,468$3,014$1,890
14 years$4,792$4,148$3,579$3,079$2,642$1,587
15 years$4,427$3,789$3,231$2,746$2,327$1,337
16 years$4,107$3,476$2,929$2,459$2,056$1,129
17 years$3,825$3,202$2,666$2,209$1,823$956
18 years$3,575$2,958$2,433$1,991$1,621$812
19 years$3,352$2,742$2,228$1,799$1,445$690
20 years$3,151$2,548$2,044$1,629$1,291$588
21 years$2,969$2,373$1,880$1,479$1,155$501
22 years$2,804$2,215$1,733$1,344$1,035$427
23 years$2,654$2,072$1,600$1,224$929$365
24 years$2,516$1,941$1,480$1,117$835$312
25 years$2,390$1,822$1,371$1,020$752$267
26 years$2,273$1,712$1,271$932$677$228
27 years$2,166$1,611$1,180$854$610$195
28 years$2,066$1,518$1,097$782$551$167
29 years$1,973$1,432$1,021$717$497$143
30 years$1,887$1,353$951$658$449$123
31 years$1,806$1,279$887$604$406$105
32 years$1,731$1,210$827$555$368$90
33 years$1,660$1,146$773$511$333$77
34 years$1,594$1,086$722$470$301$66
35 years$1,531$1,030$675$433$273$57
36 years$1,472$978$631$398$247$49
37 years$1,417$929$591$367$224$42
38 years$1,364$883$553$338$203$36
39 years$1,314$839$518$312$184$31
40 years$1,267$798$486$288$167$26
41 years$1,223$760$456$266$152$23
42 years$1,180$724$427$245$137$19
43 years$1,140$690$401$226$125$17
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$11
47 years$997$571$312$165$85$9
48 years$965$545$293$152$77$8
49 years$934$520$276$141$70$7
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 $5,018 every year, while hoping to spend $43,884 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: 44/43/13 Blend
51$927,000$927,000$927,000$927,000
52$1,026,730$977,599$963,231$1,067,857
53$1,084,764$978,809$948,807$1,098,252
54$1,147,247$978,608$932,429$1,126,360
55$1,214,586$976,879$913,985$1,155,861
56$1,287,229$973,501$893,358$1,186,899
57$1,365,667$968,344$870,426$1,219,638
58$1,450,441$961,268$845,061$1,254,260
59$1,542,144$952,128$817,129$1,290,971
60$1,641,429$940,769$786,489$1,329,996
61$1,749,014$927,026$752,996$1,371,591
62$1,865,687$910,724$716,495$1,416,039
63$1,992,317$891,679$676,827$1,463,656
64$2,129,857$869,696$633,825$1,514,794
65$2,279,358$844,566$587,313$1,569,845
66$2,441,974$816,071$537,110$1,629,246
67$2,618,975$783,979$483,023$1,693,482
68$2,811,760$748,043$424,854$1,763,095
69$3,021,867$708,005$362,394$1,838,684
70$3,250,990$663,589$295,426$1,920,919
71$3,500,990$614,505$223,723$2,010,540
72$3,773,921$560,445$147,047$2,108,373
73$4,072,039$501,085$65,151$2,215,332
74$4,397,830$436,081$0$2,332,433
75$4,754,031$365,071$0$2,463,890
76$5,143,654$287,672$0$2,617,712
77$5,570,018$203,479$0$2,786,278
78$6,036,774$112,064$0$2,971,166
79$6,547,946$12,976$0$3,174,123
80$7,107,963$0$0$3,397,081
81$7,721,704$0$0$3,686,782
82$8,394,542$0$0$4,011,222
83$9,132,393$0$0$4,367,129
84$9,941,776$0$0$4,757,661
85$10,829,869$0$0$5,186,298
86$11,804,580$0$0$5,656,872
87$12,874,618$0$0$6,173,604
88$14,049,578$0$0$6,741,144
89$15,340,030$0$0$7,364,614
90$16,757,615$0$0$8,049,659
91$18,315,160$0$0$8,802,495
92$20,026,795$0$0$9,629,971
93$21,908,087$0$0$10,539,632
94$23,976,186$0$0$11,539,792
95$26,249,985$0$0$12,639,609
96$28,750,301$0$0$13,849,175
97$31,500,067$0$0$15,179,607
98$34,524,553$0$0$16,643,154
99$37,851,598$0$0$18,253,313
100$41,511,875$0$0$20,024,953