Can I retire at age 52 with 930,000?

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 $930,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$76,799$76,114$75,447$74,796$74,160$72,367
2 years$38,019$37,311$36,625$35,959$35,314$33,519
3 years$25,094$24,383$23,699$23,040$22,405$20,663
4 years$18,633$17,924$17,247$16,599$15,979$14,304
5 years$14,757$14,053$13,384$12,749$12,147$10,544
6 years$12,175$11,475$10,816$10,196$9,612$8,081
7 years$10,330$9,637$8,988$8,383$7,817$6,360
8 years$8,948$8,261$7,623$7,032$6,485$5,101
9 years$7,873$7,192$6,566$5,990$5,461$4,149
10 years$7,014$6,340$5,724$5,163$4,653$3,411
11 years$6,311$5,644$5,039$4,493$4,002$2,828
12 years$5,726$5,066$4,472$3,941$3,468$2,360
13 years$5,231$4,578$3,996$3,480$3,024$1,981
14 years$4,808$4,161$3,590$3,089$2,651$1,670
15 years$4,441$3,801$3,241$2,755$2,334$1,412
16 years$4,120$3,488$2,939$2,467$2,063$1,198
17 years$3,838$3,212$2,674$2,216$1,829$1,020
18 years$3,587$2,968$2,441$1,997$1,626$869
19 years$3,362$2,751$2,235$1,805$1,450$742
20 years$3,161$2,556$2,051$1,634$1,295$635
21 years$2,979$2,381$1,887$1,483$1,159$544
22 years$2,813$2,222$1,739$1,349$1,039$466
23 years$2,662$2,079$1,605$1,228$932$400
24 years$2,524$1,948$1,485$1,120$838$343
25 years$2,398$1,828$1,375$1,023$754$295
26 years$2,281$1,718$1,275$935$679$254
27 years$2,173$1,617$1,184$856$612$218
28 years$2,073$1,523$1,101$785$553$188
29 years$1,980$1,437$1,025$719$499$162
30 years$1,893$1,357$954$660$451$139
31 years$1,812$1,283$890$606$408$120
32 years$1,736$1,214$830$557$369$103
33 years$1,665$1,150$775$512$334$89
34 years$1,599$1,090$724$472$302$77
35 years$1,536$1,033$677$434$274$66
36 years$1,477$981$633$400$248$57
37 years$1,421$932$593$368$225$49
38 years$1,369$885$555$339$204$42
39 years$1,319$842$520$313$185$37
40 years$1,271$801$488$289$168$32
41 years$1,227$762$457$266$152$27
42 years$1,184$726$429$246$138$23
43 years$1,144$692$402$227$125$20
44 years$1,105$659$378$210$114$17
45 years$1,068$629$355$194$103$15
46 years$1,033$600$333$179$94$13
47 years$1,000$573$313$165$85$11
48 years$968$547$294$153$77$10
49 years$937$522$276$141$70$8
50 years$908$499$260$130$64$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $930,000, adding $4,555 every year, while hoping to spend $40,819 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: 41/48/11 Blend
51$930,000$930,000$930,000$930,000
52$1,029,558$980,268$965,853$1,068,239
53$1,091,142$984,871$954,778$1,100,444
54$1,157,640$988,330$941,964$1,130,868
55$1,229,509$990,548$927,310$1,162,888
56$1,307,252$991,419$910,709$1,196,666
57$1,391,425$990,831$892,050$1,232,383
58$1,482,634$988,665$871,217$1,270,241
59$1,581,549$984,796$848,089$1,310,466
60$1,688,905$979,089$822,539$1,353,307
61$1,805,512$971,403$794,432$1,399,044
62$1,932,259$961,587$763,631$1,447,988
63$2,070,126$949,482$729,989$1,500,484
64$2,220,190$934,917$693,355$1,556,917
65$2,383,637$917,715$653,569$1,617,713
66$2,561,769$897,685$610,466$1,683,348
67$2,756,024$874,626$563,871$1,754,350
68$2,967,981$848,325$513,603$1,831,304
69$3,199,379$818,557$459,473$1,914,863
70$3,452,133$785,083$401,282$2,005,747
71$3,728,350$747,651$338,824$2,104,759
72$4,030,349$705,995$271,883$2,212,788
73$4,360,687$659,830$200,233$2,330,821
74$4,722,175$608,860$123,639$2,459,952
75$5,117,911$552,768$41,855$2,601,394
76$5,551,306$491,222$0$2,756,490
77$6,026,114$423,867$0$2,932,062
78$6,546,474$350,332$0$3,130,015
79$7,116,939$270,224$0$3,347,294
80$7,742,528$183,125$0$3,585,955
81$8,428,766$88,599$0$3,848,274
82$9,181,740$0$0$4,136,767
83$10,008,155$0$0$4,461,517
84$10,915,395$0$0$4,869,525
85$11,911,595$0$0$5,317,667
86$13,005,717$0$0$5,809,990
87$14,207,632$0$0$6,350,952
88$15,528,216$0$0$6,945,465
89$16,979,448$0$0$7,598,940
90$18,574,528$0$0$8,317,339
91$20,327,995$0$0$9,107,228
92$22,255,871$0$0$9,975,844
93$24,375,805$0$0$10,931,158
94$26,707,241$0$0$11,981,955
95$29,271,605$0$0$13,137,911
96$32,092,500$0$0$14,409,689
97$35,195,936$0$0$15,809,038
98$38,610,567$0$0$17,348,901
99$42,367,967$0$0$19,043,541
100$46,502,925$0$0$20,908,674