Can I retire at age 52 with 928,000?

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 $928,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.2%
1 years$76,633$75,951$75,285$74,635$74,000$73,626
2 years$37,937$37,231$36,546$35,882$35,238$34,861
3 years$25,040$24,331$23,648$22,990$22,357$21,988
4 years$18,593$17,886$17,209$16,563$15,945$15,587
5 years$14,726$14,023$13,355$12,722$12,121$11,775
6 years$12,148$11,450$10,793$10,174$9,591$9,258
7 years$10,308$9,616$8,969$8,364$7,800$7,480
8 years$8,929$8,243$7,606$7,017$6,471$6,163
9 years$7,856$7,177$6,551$5,977$5,449$5,154
10 years$6,999$6,326$5,712$5,152$4,643$4,361
11 years$6,298$5,632$5,028$4,484$3,993$3,723
12 years$5,714$5,055$4,463$3,933$3,460$3,203
13 years$5,220$4,568$3,987$3,472$3,018$2,772
14 years$4,797$4,152$3,582$3,082$2,645$2,411
15 years$4,431$3,793$3,234$2,749$2,329$2,106
16 years$4,111$3,480$2,933$2,461$2,058$1,846
17 years$3,829$3,205$2,668$2,211$1,825$1,624
18 years$3,579$2,962$2,436$1,993$1,623$1,432
19 years$3,355$2,745$2,230$1,801$1,446$1,266
20 years$3,154$2,551$2,047$1,631$1,292$1,121
21 years$2,972$2,376$1,882$1,480$1,156$994
22 years$2,807$2,218$1,735$1,346$1,036$883
23 years$2,657$2,074$1,602$1,226$930$786
24 years$2,519$1,943$1,482$1,118$836$700
25 years$2,393$1,824$1,372$1,021$752$624
26 years$2,276$1,714$1,273$933$678$557
27 years$2,168$1,613$1,182$854$611$498
28 years$2,068$1,520$1,099$783$551$445
29 years$1,975$1,434$1,022$718$498$398
30 years$1,889$1,354$952$659$450$356
31 years$1,808$1,280$888$605$407$319
32 years$1,733$1,211$828$556$368$286
33 years$1,662$1,147$773$511$333$256
34 years$1,595$1,087$723$471$301$229
35 years$1,533$1,031$676$433$273$206
36 years$1,474$979$632$399$247$185
37 years$1,418$930$592$368$224$166
38 years$1,366$883$554$339$203$149
39 years$1,316$840$519$312$184$133
40 years$1,269$799$486$288$167$120
41 years$1,224$761$456$266$152$108
42 years$1,181$725$428$245$138$97
43 years$1,141$690$402$226$125$87
44 years$1,103$658$377$209$113$78
45 years$1,066$628$354$193$103$70
46 years$1,031$599$332$178$93$63
47 years$998$571$312$165$85$57
48 years$966$545$293$152$77$51
49 years$935$521$276$141$70$46
50 years$906$497$259$130$64$41

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $928,000, adding $4,264 every year, while hoping to spend $59,425 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: 62/32/6 Blend
51$928,000$928,000$928,000$928,000
52$1,027,054$977,870$963,486$1,089,366
53$1,068,586$962,558$932,535$1,116,156
54$1,112,362$944,504$898,556$1,138,059
55$1,158,550$923,511$861,384$1,160,431
56$1,207,329$899,370$820,847$1,183,313
57$1,258,897$871,860$776,767$1,206,755
58$1,313,471$840,748$728,955$1,230,816
59$1,371,286$805,785$677,215$1,255,561
60$1,432,599$766,711$621,344$1,281,066
61$1,497,691$723,246$561,126$1,307,415
62$1,566,870$675,100$496,338$1,334,709
63$1,640,473$621,962$426,747$1,363,057
64$1,718,867$563,503$352,109$1,392,587
65$1,802,455$499,379$272,169$1,423,443
66$1,891,680$429,224$186,661$1,455,786
67$1,987,026$352,649$95,308$1,489,802
68$2,089,022$269,249$0$1,525,697
69$2,198,250$178,590$0$1,563,846
70$2,315,348$80,217$0$1,610,892
71$2,441,015$0$0$1,661,045
72$2,576,020$0$0$1,723,936
73$2,721,205$0$0$1,821,995
74$2,877,496$0$0$1,927,606
75$3,045,908$0$0$2,041,462
76$3,227,558$0$0$2,164,324
77$3,423,672$0$0$2,297,030
78$3,635,597$0$0$2,440,497
79$3,864,813$0$0$2,595,737
80$4,112,948$0$0$2,763,860
81$4,381,792$0$0$2,946,088
82$4,673,312$0$0$3,143,762
83$4,989,671$0$0$3,358,360
84$5,333,249$0$0$3,591,507
85$5,706,662$0$0$3,844,988
86$6,112,790$0$0$4,120,769
87$6,554,801$0$0$4,421,013
88$7,036,180$0$0$4,748,099
89$7,560,763$0$0$5,104,647
90$8,132,770$0$0$5,493,538
91$8,756,847$0$0$5,917,945
92$9,438,108$0$0$6,381,360
93$10,182,182$0$0$6,887,626
94$10,995,264$0$0$7,440,975
95$11,884,178$0$0$8,046,067
96$12,856,435$0$0$8,708,030
97$13,920,303$0$0$9,432,514
98$15,084,890$0$0$10,225,737
99$16,360,224$0$0$11,094,548
100$17,757,347$0$0$12,046,491