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%17.5%
1 years$76,716$76,033$75,366$74,715$74,080$71,823
2 years$37,978$37,271$36,585$35,921$35,276$33,022
3 years$25,067$24,357$23,673$23,015$22,381$20,200
4 years$18,613$17,905$17,228$16,581$15,962$13,871
5 years$14,742$14,038$13,370$12,736$12,134$10,139
6 years$12,161$11,463$10,805$10,185$9,601$7,703
7 years$10,319$9,626$8,979$8,374$7,808$6,008
8 years$8,938$8,252$7,615$7,024$6,478$4,773
9 years$7,865$7,185$6,559$5,983$5,455$3,845
10 years$7,006$6,333$5,718$5,158$4,648$3,130
11 years$6,304$5,638$5,034$4,489$3,998$2,568
12 years$5,720$5,060$4,467$3,937$3,464$2,121
13 years$5,226$4,573$3,991$3,476$3,021$1,761
14 years$4,803$4,157$3,586$3,086$2,648$1,468
15 years$4,436$3,797$3,238$2,752$2,332$1,228
16 years$4,116$3,484$2,936$2,464$2,061$1,030
17 years$3,833$3,208$2,671$2,214$1,827$866
18 years$3,583$2,965$2,439$1,995$1,625$730
19 years$3,359$2,748$2,232$1,803$1,448$616
20 years$3,157$2,553$2,049$1,633$1,293$520
21 years$2,975$2,378$1,884$1,482$1,157$440
22 years$2,810$2,220$1,737$1,347$1,037$373
23 years$2,660$2,076$1,604$1,227$931$316
24 years$2,522$1,945$1,483$1,119$837$268
25 years$2,395$1,826$1,374$1,022$753$227
26 years$2,278$1,716$1,274$934$678$193
27 years$2,171$1,615$1,183$855$612$164
28 years$2,071$1,522$1,100$784$552$139
29 years$1,978$1,435$1,023$719$498$118
30 years$1,891$1,356$953$660$450$100
31 years$1,810$1,282$889$606$407$85
32 years$1,735$1,213$829$557$368$73
33 years$1,664$1,148$774$512$333$62
34 years$1,597$1,088$723$471$302$52
35 years$1,534$1,032$676$434$273$45
36 years$1,475$980$633$399$248$38
37 years$1,420$931$592$368$224$32
38 years$1,367$884$555$339$203$27
39 years$1,317$841$520$313$185$23
40 years$1,270$800$487$288$167$20
41 years$1,225$762$457$266$152$17
42 years$1,183$725$428$246$138$14
43 years$1,142$691$402$227$125$12
44 years$1,104$659$377$209$114$10
45 years$1,067$628$354$193$103$9
46 years$1,032$599$333$179$94$8
47 years$999$572$313$165$85$6
48 years$967$546$294$152$77$5
49 years$936$521$276$141$70$5
50 years$907$498$260$130$64$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $929,000, adding $4,967 every year, while hoping to spend $45,543 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: 28/47/25 Blend
51$929,000$929,000$929,000$929,000
52$1,028,881$979,644$965,245$1,049,554
53$1,085,370$979,190$949,123$1,065,807
54$1,146,094$977,186$930,935$1,078,948
55$1,211,437$973,510$910,563$1,092,129
56$1,281,821$968,030$887,885$1,105,383
57$1,357,710$960,605$862,771$1,118,750
58$1,439,610$951,089$835,088$1,132,281
59$1,528,082$939,325$804,696$1,146,034
60$1,623,740$925,145$771,446$1,160,078
61$1,727,258$908,374$735,187$1,174,496
62$1,839,379$888,825$695,756$1,189,383
63$1,960,919$866,300$652,986$1,204,851
64$2,092,774$840,590$606,703$1,221,026
65$2,235,931$811,473$556,721$1,238,058
66$2,391,475$778,715$502,851$1,256,116
67$2,560,601$742,067$444,892$1,275,395
68$2,744,621$701,267$382,635$1,296,116
69$2,944,981$656,037$315,861$1,318,533
70$3,163,270$606,084$244,344$1,342,932
71$3,401,239$551,098$167,844$1,369,639
72$3,660,813$490,749$86,115$1,399,022
73$3,944,111$424,691$0$1,431,498
74$4,253,468$352,559$0$1,467,832
75$4,591,452$273,964$0$1,532,789
76$4,960,890$188,498$0$1,604,047
77$5,364,896$95,730$0$1,682,351
78$5,806,897$0$0$1,768,534
79$6,290,668$0$0$1,866,005
80$6,820,365$0$0$2,027,084
81$7,400,564$0$0$2,203,672
82$8,036,306$0$0$2,397,321
83$8,733,142$0$0$2,609,743
84$9,497,184$0$0$2,842,820
85$10,335,167$0$0$3,098,627
86$11,254,506$0$0$3,379,451
87$12,263,370$0$0$3,687,809
88$13,370,756$0$0$4,026,475
89$14,586,577$0$0$4,398,503
90$15,921,749$0$0$4,807,260
91$17,388,300$0$0$5,256,454
92$18,999,478$0$0$5,750,170
93$20,769,881$0$0$6,292,908
94$22,715,587$0$0$6,889,626
95$24,854,311$0$0$7,545,786
96$27,205,570$0$0$8,267,408
97$29,790,865$0$0$9,061,121
98$32,633,885$0$0$9,934,233
99$35,760,730$0$0$10,894,791
100$39,200,157$0$0$11,951,665