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%16.9%
1 years$76,633$75,951$75,285$74,635$74,000$71,920
2 years$37,937$37,231$36,546$35,882$35,238$33,158
3 years$25,040$24,331$23,648$22,990$22,357$20,342
4 years$18,593$17,886$17,209$16,563$15,945$14,011
5 years$14,726$14,023$13,355$12,722$12,121$10,273
6 years$12,148$11,450$10,793$10,174$9,591$7,831
7 years$10,308$9,616$8,969$8,364$7,800$6,128
8 years$8,929$8,243$7,606$7,017$6,471$4,886
9 years$7,856$7,177$6,551$5,977$5,449$3,950
10 years$6,999$6,326$5,712$5,152$4,643$3,227
11 years$6,298$5,632$5,028$4,484$3,993$2,659
12 years$5,714$5,055$4,463$3,933$3,460$2,205
13 years$5,220$4,568$3,987$3,472$3,018$1,838
14 years$4,797$4,152$3,582$3,082$2,645$1,538
15 years$4,431$3,793$3,234$2,749$2,329$1,292
16 years$4,111$3,480$2,933$2,461$2,058$1,089
17 years$3,829$3,205$2,668$2,211$1,825$920
18 years$3,579$2,962$2,436$1,993$1,623$778
19 years$3,355$2,745$2,230$1,801$1,446$659
20 years$3,154$2,551$2,047$1,631$1,292$560
21 years$2,972$2,376$1,882$1,480$1,156$476
22 years$2,807$2,218$1,735$1,346$1,036$405
23 years$2,657$2,074$1,602$1,226$930$344
24 years$2,519$1,943$1,482$1,118$836$293
25 years$2,393$1,824$1,372$1,021$752$250
26 years$2,276$1,714$1,273$933$678$213
27 years$2,168$1,613$1,182$854$611$182
28 years$2,068$1,520$1,099$783$551$155
29 years$1,975$1,434$1,022$718$498$133
30 years$1,889$1,354$952$659$450$113
31 years$1,808$1,280$888$605$407$97
32 years$1,733$1,211$828$556$368$83
33 years$1,662$1,147$773$511$333$71
34 years$1,595$1,087$723$471$301$60
35 years$1,533$1,031$676$433$273$52
36 years$1,474$979$632$399$247$44
37 years$1,418$930$592$368$224$38
38 years$1,366$883$554$339$203$32
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$20
42 years$1,181$725$428$245$138$17
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$9
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 $3,749 every year, while hoping to spend $56,325 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: 66/9/25 Blend
51$928,000$928,000$928,000$928,000
52$1,026,523$977,339$962,955$1,087,375
53$1,071,299$965,299$935,285$1,116,766
54$1,118,754$950,782$904,800$1,142,185
55$1,169,103$933,606$871,346$1,168,696
56$1,222,579$913,580$834,763$1,196,408
57$1,279,437$890,500$794,883$1,225,445
58$1,339,957$864,153$751,530$1,255,945
59$1,404,447$834,310$704,519$1,288,062
60$1,473,240$800,731$653,661$1,321,968
61$1,546,705$763,161$598,753$1,357,855
62$1,625,244$721,331$539,586$1,395,935
63$1,709,298$674,955$475,941$1,436,447
64$1,799,351$623,733$407,590$1,479,654
65$1,895,935$567,346$334,294$1,525,853
66$1,999,631$505,457$255,804$1,575,370
67$2,111,079$437,710$171,859$1,628,569
68$2,230,981$363,729$82,188$1,685,856
69$2,360,106$283,117$0$1,747,681
70$2,499,302$195,455$0$1,818,145
71$2,649,497$100,299$0$1,917,831
72$2,811,713$0$0$2,025,490
73$2,987,073$0$0$2,142,171
74$3,176,808$0$0$2,279,213
75$3,382,276$0$0$2,427,666
76$3,604,966$0$0$2,588,615
77$3,846,519$0$0$2,763,250
78$4,108,736$0$0$2,952,882
79$4,393,600$0$0$3,158,952
80$4,703,292$0$0$3,383,044
81$5,040,211$0$0$3,626,903
82$5,406,998$0$0$3,892,448
83$5,806,556$0$0$4,181,789
84$6,242,083$0$0$4,497,251
85$6,717,095$0$0$4,841,391
86$7,235,467$0$0$5,217,024
87$7,801,459$0$0$5,627,249
88$8,419,763$0$0$6,075,476
89$9,095,544$0$0$6,565,462
90$9,834,490$0$0$7,101,340
91$10,642,861$0$0$7,687,662
92$11,527,552$0$0$8,329,443
93$12,496,153$0$0$9,032,200
94$13,557,024$0$0$9,802,013
95$14,719,372$0$0$10,645,576
96$15,993,334$0$0$11,570,261
97$17,390,077$0$0$12,584,186
98$18,921,898$0$0$13,696,296
99$20,602,344$0$0$14,916,439
100$22,446,332$0$0$16,255,465