Can I retire at age 52 with 929,000?

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 $929,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.8%
1 years$76,716$76,033$75,366$74,715$74,080$72,913
2 years$37,978$37,271$36,585$35,921$35,276$34,103
3 years$25,067$24,357$23,673$23,015$22,381$21,238
4 years$18,613$17,905$17,228$16,581$15,962$14,859
5 years$14,742$14,038$13,370$12,736$12,134$11,074
6 years$12,161$11,463$10,805$10,185$9,601$8,585
7 years$10,319$9,626$8,979$8,374$7,808$6,837
8 years$8,938$8,252$7,615$7,024$6,478$5,551
9 years$7,865$7,185$6,559$5,983$5,455$4,572
10 years$7,006$6,333$5,718$5,158$4,648$3,807
11 years$6,304$5,638$5,034$4,489$3,998$3,199
12 years$5,720$5,060$4,467$3,937$3,464$2,707
13 years$5,226$4,573$3,991$3,476$3,021$2,303
14 years$4,803$4,157$3,586$3,086$2,648$1,969
15 years$4,436$3,797$3,238$2,752$2,332$1,690
16 years$4,116$3,484$2,936$2,464$2,061$1,456
17 years$3,833$3,208$2,671$2,214$1,827$1,257
18 years$3,583$2,965$2,439$1,995$1,625$1,088
19 years$3,359$2,748$2,232$1,803$1,448$944
20 years$3,157$2,553$2,049$1,633$1,293$820
21 years$2,975$2,378$1,884$1,482$1,157$714
22 years$2,810$2,220$1,737$1,347$1,037$622
23 years$2,660$2,076$1,604$1,227$931$542
24 years$2,522$1,945$1,483$1,119$837$473
25 years$2,395$1,826$1,374$1,022$753$414
26 years$2,278$1,716$1,274$934$678$362
27 years$2,171$1,615$1,183$855$612$316
28 years$2,071$1,522$1,100$784$552$277
29 years$1,978$1,435$1,023$719$498$243
30 years$1,891$1,356$953$660$450$213
31 years$1,810$1,282$889$606$407$186
32 years$1,735$1,213$829$557$368$163
33 years$1,664$1,148$774$512$333$143
34 years$1,597$1,088$723$471$302$126
35 years$1,534$1,032$676$434$273$110
36 years$1,475$980$633$399$248$97
37 years$1,420$931$592$368$224$85
38 years$1,367$884$555$339$203$75
39 years$1,317$841$520$313$185$65
40 years$1,270$800$487$288$167$57
41 years$1,225$762$457$266$152$50
42 years$1,183$725$428$246$138$44
43 years$1,142$691$402$227$125$39
44 years$1,104$659$377$209$114$34
45 years$1,067$628$354$193$103$30
46 years$1,032$599$333$179$94$26
47 years$999$572$313$165$85$23
48 years$967$546$294$152$77$20
49 years$936$521$276$141$70$18
50 years$907$498$260$130$64$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $929,000, adding $3,683 every year, while hoping to spend $58,521 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: 76/11/13 Blend
51$929,000$929,000$929,000$929,000
52$1,027,557$978,320$963,921$1,102,664
53$1,070,102$963,992$933,946$1,138,381
54$1,115,025$947,000$901,006$1,169,790
55$1,162,507$927,153$864,939$1,202,597
56$1,212,746$904,246$825,577$1,236,924
57$1,265,956$878,064$782,744$1,272,900
58$1,322,373$848,379$736,256$1,310,673
59$1,382,254$814,949$685,920$1,350,404
60$1,445,881$777,518$631,535$1,392,273
61$1,513,560$735,816$572,891$1,436,477
62$1,585,630$689,557$509,769$1,483,238
63$1,662,457$638,438$441,939$1,532,797
64$1,744,446$582,141$369,163$1,585,424
65$1,832,040$520,325$291,190$1,641,416
66$1,925,722$452,635$207,758$1,701,105
67$2,026,024$378,693$118,597$1,764,855
68$2,133,530$298,100$23,421$1,833,070
69$2,248,877$210,435$0$1,906,198
70$2,372,769$115,252$0$1,995,573
71$2,505,974$12,083$0$2,095,074
72$2,649,339$0$0$2,202,100
73$2,803,791$0$0$2,329,419
74$2,970,351$0$0$2,468,324
75$3,150,137$0$0$2,618,287
76$3,344,381$0$0$2,780,340
77$3,554,436$0$0$2,955,614
78$3,781,787$0$0$3,145,354
79$4,028,069$0$0$3,350,929
80$4,295,078$0$0$3,573,841
81$4,584,792$0$0$3,815,745
82$4,899,382$0$0$4,078,461
83$5,241,239$0$0$4,363,990
84$5,612,992$0$0$4,674,533
85$6,017,534$0$0$5,012,511
86$6,458,048$0$0$5,380,591
87$6,938,036$0$0$5,781,704
88$7,461,353$0$0$6,219,077
89$8,032,241$0$0$6,696,264
90$8,655,369$0$0$7,217,172
91$9,335,877$0$0$7,786,107
92$10,079,423$0$0$8,407,807
93$10,892,236$0$0$9,087,486
94$11,781,175$0$0$9,830,888
95$12,753,790$0$0$10,644,336
96$13,818,397$0$0$11,534,793
97$14,984,150$0$0$12,509,925
98$16,261,133$0$0$13,578,177
99$17,660,450$0$0$14,748,845
100$19,194,328$0$0$16,032,172