Can I retire at age 52 with 928,000?

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 $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%16.8%
1 years$76,633$75,951$75,285$74,635$74,000$71,949
2 years$37,937$37,231$36,546$35,882$35,238$33,187
3 years$25,040$24,331$23,648$22,990$22,357$20,369
4 years$18,593$17,886$17,209$16,563$15,945$14,037
5 years$14,726$14,023$13,355$12,722$12,121$10,298
6 years$12,148$11,450$10,793$10,174$9,591$7,854
7 years$10,308$9,616$8,969$8,364$7,800$6,150
8 years$8,929$8,243$7,606$7,017$6,471$4,906
9 years$7,856$7,177$6,551$5,977$5,449$3,969
10 years$6,999$6,326$5,712$5,152$4,643$3,245
11 years$6,298$5,632$5,028$4,484$3,993$2,675
12 years$5,714$5,055$4,463$3,933$3,460$2,219
13 years$5,220$4,568$3,987$3,472$3,018$1,851
14 years$4,797$4,152$3,582$3,082$2,645$1,551
15 years$4,431$3,793$3,234$2,749$2,329$1,304
16 years$4,111$3,480$2,933$2,461$2,058$1,099
17 years$3,829$3,205$2,668$2,211$1,825$929
18 years$3,579$2,962$2,436$1,993$1,623$787
19 years$3,355$2,745$2,230$1,801$1,446$667
20 years$3,154$2,551$2,047$1,631$1,292$567
21 years$2,972$2,376$1,882$1,480$1,156$482
22 years$2,807$2,218$1,735$1,346$1,036$410
23 years$2,657$2,074$1,602$1,226$930$350
24 years$2,519$1,943$1,482$1,118$836$298
25 years$2,393$1,824$1,372$1,021$752$254
26 years$2,276$1,714$1,273$933$678$217
27 years$2,168$1,613$1,182$854$611$185
28 years$2,068$1,520$1,099$783$551$158
29 years$1,975$1,434$1,022$718$498$135
30 years$1,889$1,354$952$659$450$116
31 years$1,808$1,280$888$605$407$99
32 years$1,733$1,211$828$556$368$85
33 years$1,662$1,147$773$511$333$72
34 years$1,595$1,087$723$471$301$62
35 years$1,533$1,031$676$433$273$53
36 years$1,474$979$632$399$247$45
37 years$1,418$930$592$368$224$39
38 years$1,366$883$554$339$203$33
39 years$1,316$840$519$312$184$28
40 years$1,269$799$486$288$167$24
41 years$1,224$761$456$266$152$21
42 years$1,181$725$428$245$138$18
43 years$1,141$690$402$226$125$15
44 years$1,103$658$377$209$113$13
45 years$1,066$628$354$193$103$11
46 years$1,031$599$332$178$93$10
47 years$998$571$312$165$85$8
48 years$966$545$293$152$77$7
49 years$935$521$276$141$70$6
50 years$906$497$259$130$64$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $928,000, adding $6,497 every year, while hoping to spend $47,419 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: 37/47/16 Blend
51$928,000$928,000$928,000$928,000
52$1,029,358$980,174$965,790$1,062,225
53$1,083,899$977,749$947,690$1,084,055
54$1,142,414$973,616$927,395$1,102,625
55$1,205,258$967,641$904,781$1,121,672
56$1,272,821$959,682$879,718$1,141,264
57$1,345,531$949,589$852,071$1,161,479
58$1,423,859$937,203$821,699$1,182,406
59$1,508,320$922,353$788,453$1,204,148
60$1,599,482$904,862$752,180$1,226,823
61$1,697,968$884,539$712,717$1,250,564
62$1,804,463$861,183$669,894$1,275,525
63$1,919,719$834,582$623,537$1,301,878
64$2,044,564$804,510$573,459$1,329,818
65$2,179,907$770,729$519,468$1,359,568
66$2,326,750$732,987$461,362$1,391,378
67$2,486,193$691,017$398,932$1,425,530
68$2,659,445$644,538$331,957$1,462,344
69$2,847,838$593,250$260,207$1,502,175
70$3,052,837$536,838$183,443$1,545,428
71$3,276,053$474,970$101,415$1,592,553
72$3,519,260$407,293$13,862$1,644,057
73$3,784,408$333,434$0$1,700,508
74$4,073,647$253,002$0$1,776,124
75$4,389,340$165,580$0$1,861,440
76$4,734,089$70,730$0$1,954,932
77$5,110,759$0$0$2,057,540
78$5,522,505$0$0$2,186,863
79$5,972,797$0$0$2,368,421
80$6,465,459$0$0$2,567,191
81$7,004,701$0$0$2,784,887
82$7,595,159$0$0$3,023,397
83$8,241,937$0$0$3,284,800
84$8,950,656$0$0$3,571,387
85$9,727,507$0$0$3,885,678
86$10,579,310$0$0$4,230,453
87$11,513,575$0$0$4,608,771
88$12,538,572$0$0$5,024,001
89$13,663,413$0$0$5,479,857
90$14,898,134$0$0$5,980,427
91$16,253,790$0$0$6,530,217
92$17,742,558$0$0$7,134,189
93$19,377,854$0$0$7,797,809
94$21,174,454$0$0$8,527,100
95$23,148,639$0$0$9,328,698
96$25,318,345$0$0$10,209,911
97$27,703,330$0$0$11,178,793
98$30,325,363$0$0$12,244,216
99$33,208,426$0$0$13,415,955
100$36,378,942$0$0$14,704,782