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%16.9%
1 years$76,799$76,114$75,447$74,796$74,160$72,075
2 years$38,019$37,311$36,625$35,959$35,314$33,229
3 years$25,094$24,383$23,699$23,040$22,405$20,386
4 years$18,633$17,924$17,247$16,599$15,979$14,041
5 years$14,757$14,053$13,384$12,749$12,147$10,296
6 years$12,175$11,475$10,816$10,196$9,612$7,848
7 years$10,330$9,637$8,988$8,383$7,817$6,141
8 years$8,948$8,261$7,623$7,032$6,485$4,897
9 years$7,873$7,192$6,566$5,990$5,461$3,959
10 years$7,014$6,340$5,724$5,163$4,653$3,234
11 years$6,311$5,644$5,039$4,493$4,002$2,665
12 years$5,726$5,066$4,472$3,941$3,468$2,209
13 years$5,231$4,578$3,996$3,480$3,024$1,842
14 years$4,808$4,161$3,590$3,089$2,651$1,542
15 years$4,441$3,801$3,241$2,755$2,334$1,295
16 years$4,120$3,488$2,939$2,467$2,063$1,091
17 years$3,838$3,212$2,674$2,216$1,829$921
18 years$3,587$2,968$2,441$1,997$1,626$780
19 years$3,362$2,751$2,235$1,805$1,450$661
20 years$3,161$2,556$2,051$1,634$1,295$561
21 years$2,979$2,381$1,887$1,483$1,159$477
22 years$2,813$2,222$1,739$1,349$1,039$405
23 years$2,662$2,079$1,605$1,228$932$345
24 years$2,524$1,948$1,485$1,120$838$294
25 years$2,398$1,828$1,375$1,023$754$251
26 years$2,281$1,718$1,275$935$679$214
27 years$2,173$1,617$1,184$856$612$182
28 years$2,073$1,523$1,101$785$553$156
29 years$1,980$1,437$1,025$719$499$133
30 years$1,893$1,357$954$660$451$114
31 years$1,812$1,283$890$606$408$97
32 years$1,736$1,214$830$557$369$83
33 years$1,665$1,150$775$512$334$71
34 years$1,599$1,090$724$472$302$61
35 years$1,536$1,033$677$434$274$52
36 years$1,477$981$633$400$248$44
37 years$1,421$932$593$368$225$38
38 years$1,369$885$555$339$204$32
39 years$1,319$842$520$313$185$28
40 years$1,271$801$488$289$168$24
41 years$1,227$762$457$266$152$20
42 years$1,184$726$429$246$138$17
43 years$1,144$692$402$227$125$15
44 years$1,105$659$378$210$114$13
45 years$1,068$629$355$194$103$11
46 years$1,033$600$333$179$94$9
47 years$1,000$573$313$165$85$8
48 years$968$547$294$153$77$7
49 years$937$522$276$141$70$6
50 years$908$499$260$130$64$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $930,000, adding $6,005 every year, while hoping to spend $43,851 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: 27/49/24 Blend
51$930,000$930,000$930,000$930,000
52$1,031,054$981,764$967,349$1,050,989
53$1,089,565$983,213$953,098$1,068,757
54$1,152,573$983,264$936,900$1,083,601
55$1,220,493$981,801$918,644$1,098,620
56$1,293,777$978,703$898,212$1,113,857
57$1,372,922$973,840$875,482$1,129,365
58$1,458,477$967,075$850,327$1,145,203
59$1,551,042$958,262$822,614$1,161,443
60$1,651,278$947,247$792,201$1,178,168
61$1,759,913$933,866$758,944$1,195,472
62$1,877,744$917,946$722,689$1,213,469
63$2,005,652$899,302$683,277$1,232,283
64$2,144,602$877,742$640,540$1,252,063
65$2,295,658$853,057$594,304$1,272,975
66$2,459,989$825,031$544,387$1,295,210
67$2,638,882$793,432$490,599$1,318,985
68$2,833,753$758,015$432,739$1,344,546
69$3,046,161$718,523$370,601$1,372,174
70$3,277,821$674,682$303,968$1,402,183
71$3,530,620$626,203$232,612$1,434,931
72$3,806,636$572,780$156,297$1,470,821
73$4,108,156$514,089$74,777$1,510,305
74$4,437,699$449,790$0$1,553,894
75$4,798,036$379,522$0$1,605,290
76$5,192,219$302,902$0$1,682,644
77$5,623,610$219,529$0$1,767,580
78$6,095,909$128,977$0$1,860,980
79$6,613,191$30,796$0$1,963,825
80$7,179,945$0$0$2,077,206
81$7,801,111$0$0$2,243,038
82$8,482,135$0$0$2,443,209
83$9,229,010$0$0$2,662,897
84$10,048,339$0$0$2,904,062
85$10,947,397$0$0$3,168,868
86$11,934,193$0$0$3,459,694
87$13,017,553$0$0$3,779,163
88$14,207,196$0$0$4,130,166
89$15,513,832$0$0$4,515,886
90$16,949,255$0$0$4,939,829
91$18,526,462$0$0$5,405,858
92$20,259,768$0$0$5,918,231
93$22,164,944$0$0$6,481,637
94$24,259,368$0$0$7,101,242
95$26,562,180$0$0$7,782,739
96$29,094,473$0$0$8,532,399
97$31,879,483$0$0$9,357,133
98$34,942,810$0$0$10,264,555
99$38,312,664$0$0$11,263,053
100$42,020,121$0$0$12,361,870