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%17.5%
1 years$76,633$75,951$75,285$74,635$74,000$71,746
2 years$37,937$37,231$36,546$35,882$35,238$32,987
3 years$25,040$24,331$23,648$22,990$22,357$20,178
4 years$18,593$17,886$17,209$16,563$15,945$13,856
5 years$14,726$14,023$13,355$12,722$12,121$10,128
6 years$12,148$11,450$10,793$10,174$9,591$7,695
7 years$10,308$9,616$8,969$8,364$7,800$6,001
8 years$8,929$8,243$7,606$7,017$6,471$4,768
9 years$7,856$7,177$6,551$5,977$5,449$3,841
10 years$6,999$6,326$5,712$5,152$4,643$3,126
11 years$6,298$5,632$5,028$4,484$3,993$2,565
12 years$5,714$5,055$4,463$3,933$3,460$2,119
13 years$5,220$4,568$3,987$3,472$3,018$1,759
14 years$4,797$4,152$3,582$3,082$2,645$1,467
15 years$4,431$3,793$3,234$2,749$2,329$1,227
16 years$4,111$3,480$2,933$2,461$2,058$1,029
17 years$3,829$3,205$2,668$2,211$1,825$865
18 years$3,579$2,962$2,436$1,993$1,623$729
19 years$3,355$2,745$2,230$1,801$1,446$615
20 years$3,154$2,551$2,047$1,631$1,292$520
21 years$2,972$2,376$1,882$1,480$1,156$440
22 years$2,807$2,218$1,735$1,346$1,036$372
23 years$2,657$2,074$1,602$1,226$930$315
24 years$2,519$1,943$1,482$1,118$836$267
25 years$2,393$1,824$1,372$1,021$752$227
26 years$2,276$1,714$1,273$933$678$193
27 years$2,168$1,613$1,182$854$611$163
28 years$2,068$1,520$1,099$783$551$139
29 years$1,975$1,434$1,022$718$498$118
30 years$1,889$1,354$952$659$450$100
31 years$1,808$1,280$888$605$407$85
32 years$1,733$1,211$828$556$368$72
33 years$1,662$1,147$773$511$333$62
34 years$1,595$1,087$723$471$301$52
35 years$1,533$1,031$676$433$273$45
36 years$1,474$979$632$399$247$38
37 years$1,418$930$592$368$224$32
38 years$1,366$883$554$339$203$27
39 years$1,316$840$519$312$184$23
40 years$1,269$799$486$288$167$20
41 years$1,224$761$456$266$152$17
42 years$1,181$725$428$245$138$14
43 years$1,141$690$402$226$125$12
44 years$1,103$658$377$209$113$10
45 years$1,066$628$354$193$103$9
46 years$1,031$599$332$178$93$8
47 years$998$571$312$165$85$6
48 years$966$545$293$152$77$5
49 years$935$521$276$141$70$5
50 years$906$497$259$130$64$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $928,000, adding $2,352 every year, while hoping to spend $55,652 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: 68/23/9 Blend
51$928,000$928,000$928,000$928,000
52$1,025,082$975,898$961,514$1,092,843
53$1,070,427$964,504$934,512$1,126,718
54$1,118,532$950,686$904,739$1,156,819
55$1,169,620$934,267$872,045$1,188,260
56$1,223,934$915,059$836,272$1,221,165
57$1,281,741$892,863$797,253$1,255,670
58$1,343,333$867,467$754,815$1,291,927
59$1,409,029$838,649$708,778$1,330,104
60$1,479,180$806,173$658,951$1,370,390
61$1,554,168$769,787$605,138$1,412,993
62$1,634,415$729,228$547,132$1,458,145
63$1,720,381$684,216$484,716$1,506,105
64$1,812,572$634,455$417,667$1,557,160
65$1,911,543$579,632$345,747$1,611,628
66$2,017,903$519,417$268,712$1,669,862
67$2,132,320$453,459$186,305$1,732,257
68$2,255,529$381,391$98,258$1,799,247
69$2,388,334$302,820$4,291$1,871,318
70$2,531,622$217,336$0$1,949,006
71$2,686,366$124,504$0$2,042,124
72$2,853,633$23,863$0$2,143,156
73$3,034,600$0$0$2,252,451
74$3,230,556$0$0$2,392,384
75$3,442,923$0$0$2,550,626
76$3,673,261$0$0$2,722,307
77$3,923,287$0$0$2,908,713
78$4,194,889$0$0$3,111,257
79$4,490,145$0$0$3,331,494
80$4,811,339$0$0$3,571,137
81$5,160,985$0$0$3,832,068
82$5,541,851$0$0$4,116,359
83$5,956,980$0$0$4,426,291
84$6,409,722$0$0$4,764,373
85$6,903,766$0$0$5,133,367
86$7,443,170$0$0$5,536,314
87$8,032,403$0$0$5,976,560
88$8,676,384$0$0$6,457,792
89$9,380,528$0$0$6,984,065
90$10,150,798$0$0$7,559,847
91$10,993,760$0$0$8,190,056
92$11,916,642$0$0$8,880,108
93$12,927,406$0$0$9,635,967
94$14,034,819$0$0$10,464,201
95$15,248,536$0$0$11,372,045
96$16,579,190$0$0$12,367,464
97$18,038,494$0$0$13,459,234
98$19,639,345$0$0$14,657,017
99$21,395,952$0$0$15,971,461
100$23,323,964$0$0$17,414,290