Can I retire at age 52 with 932,000?

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 $932,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$76,964$76,278$75,609$74,956$74,319$73,604
2 years$38,101$37,391$36,704$36,037$35,390$34,670
3 years$25,148$24,436$23,750$23,089$22,453$21,750
4 years$18,673$17,963$17,284$16,634$16,014$15,333
5 years$14,789$14,083$13,413$12,777$12,173$11,517
6 years$12,201$11,500$10,840$10,218$9,632$9,001
7 years$10,353$9,658$9,008$8,401$7,834$7,228
8 years$8,967$8,278$7,639$7,047$6,499$5,919
9 years$7,890$7,208$6,580$6,002$5,473$4,919
10 years$7,029$6,353$5,736$5,174$4,663$4,134
11 years$6,325$5,656$5,050$4,503$4,010$3,506
12 years$5,738$5,076$4,482$3,950$3,475$2,995
13 years$5,243$4,588$4,004$3,487$3,031$2,573
14 years$4,818$4,170$3,598$3,095$2,657$2,222
15 years$4,450$3,809$3,248$2,761$2,339$1,927
16 years$4,129$3,495$2,945$2,472$2,067$1,677
17 years$3,846$3,219$2,680$2,221$1,833$1,464
18 years$3,594$2,974$2,446$2,001$1,630$1,281
19 years$3,370$2,757$2,240$1,809$1,453$1,123
20 years$3,168$2,562$2,055$1,638$1,298$987
21 years$2,985$2,386$1,891$1,487$1,161$868
22 years$2,819$2,227$1,742$1,352$1,041$765
23 years$2,668$2,083$1,609$1,231$934$675
24 years$2,530$1,952$1,488$1,123$840$596
25 years$2,403$1,832$1,378$1,025$756$527
26 years$2,286$1,721$1,278$937$681$466
27 years$2,178$1,620$1,187$858$614$413
28 years$2,077$1,527$1,103$786$554$366
29 years$1,984$1,440$1,027$721$500$324
30 years$1,897$1,360$956$662$452$288
31 years$1,816$1,286$892$608$408$255
32 years$1,740$1,217$832$558$369$227
33 years$1,669$1,152$777$514$334$201
34 years$1,602$1,092$726$473$303$179
35 years$1,539$1,036$679$435$274$159
36 years$1,480$983$635$401$248$141
37 years$1,424$934$594$369$225$126
38 years$1,372$887$556$340$204$112
39 years$1,322$844$521$314$185$99
40 years$1,274$803$489$289$168$88
41 years$1,229$764$458$267$152$79
42 years$1,187$728$430$246$138$70
43 years$1,146$693$403$227$125$62
44 years$1,107$661$379$210$114$55
45 years$1,071$630$355$194$103$49
46 years$1,035$601$334$179$94$44
47 years$1,002$574$314$166$85$39
48 years$970$548$295$153$77$35
49 years$939$523$277$141$70$31
50 years$910$500$260$131$64$27

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $932,000, adding $6,390 every year, while hoping to spend $47,692 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: 68/13/19 Blend
51$932,000$932,000$932,000$932,000
52$1,033,655$984,259$969,813$1,098,700
53$1,088,344$981,744$951,558$1,140,461
54$1,147,013$977,507$931,093$1,179,959
55$1,210,017$971,414$908,293$1,222,000
56$1,277,747$963,321$883,029$1,266,829
57$1,350,631$953,078$855,165$1,314,721
58$1,429,140$940,523$824,557$1,365,978
59$1,513,790$925,486$791,057$1,420,936
60$1,605,149$907,788$754,510$1,479,965
61$1,703,840$887,236$714,753$1,543,473
62$1,810,550$863,628$671,615$1,611,915
63$1,926,031$836,750$624,919$1,685,791
64$2,051,111$806,376$574,479$1,765,653
65$2,186,701$772,266$520,100$1,852,114
66$2,333,802$734,164$461,581$1,945,849
67$2,493,515$691,804$398,710$2,047,605
68$2,667,052$644,900$331,264$2,158,209
69$2,855,744$593,153$259,015$2,278,572
70$3,061,057$536,245$181,719$2,409,702
71$3,284,604$473,840$99,125$2,552,713
72$3,528,159$405,583$10,972$2,708,835
73$3,793,675$331,101$0$2,879,425
74$4,083,302$249,997$0$3,082,834
75$4,399,405$161,853$0$3,307,338
76$4,744,588$66,228$0$3,552,603
77$5,121,718$0$0$3,820,712
78$5,533,950$0$0$4,119,305
79$5,984,759$0$0$4,456,253
80$6,477,971$0$0$4,824,949
81$7,017,797$0$0$5,228,547
82$7,608,876$0$0$5,670,524
83$8,256,317$0$0$6,154,705
84$8,965,743$0$0$6,685,305
85$9,743,350$0$0$7,266,964
86$10,595,961$0$0$7,904,796
87$11,531,089$0$0$8,604,429
88$12,557,013$0$0$9,372,065
89$13,682,848$0$0$10,214,535
90$14,918,636$0$0$11,139,362
91$16,275,440$0$0$12,154,833
92$17,765,442$0$0$13,270,080
93$19,402,068$0$0$14,495,159
94$21,200,102$0$0$15,841,148
95$23,175,835$0$0$17,320,255
96$25,347,212$0$0$18,945,924
97$27,734,005$0$0$20,732,971
98$30,357,993$0$0$22,697,715
99$33,243,175$0$0$24,858,137
100$36,415,988$0$0$27,234,047