Can I retire at age 52 with 932,000?

Use the below retirement simulation to view the chances of a successful retirement.
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%13.8%
1 years$76,964$76,278$75,609$74,956$74,319$73,148
2 years$38,101$37,391$36,704$36,037$35,390$34,213
3 years$25,148$24,436$23,750$23,089$22,453$21,307
4 years$18,673$17,963$17,284$16,634$16,014$14,907
5 years$14,789$14,083$13,413$12,777$12,173$11,110
6 years$12,201$11,500$10,840$10,218$9,632$8,613
7 years$10,353$9,658$9,008$8,401$7,834$6,859
8 years$8,967$8,278$7,639$7,047$6,499$5,568
9 years$7,890$7,208$6,580$6,002$5,473$4,586
10 years$7,029$6,353$5,736$5,174$4,663$3,820
11 years$6,325$5,656$5,050$4,503$4,010$3,209
12 years$5,738$5,076$4,482$3,950$3,475$2,715
13 years$5,243$4,588$4,004$3,487$3,031$2,311
14 years$4,818$4,170$3,598$3,095$2,657$1,976
15 years$4,450$3,809$3,248$2,761$2,339$1,696
16 years$4,129$3,495$2,945$2,472$2,067$1,460
17 years$3,846$3,219$2,680$2,221$1,833$1,261
18 years$3,594$2,974$2,446$2,001$1,630$1,092
19 years$3,370$2,757$2,240$1,809$1,453$947
20 years$3,168$2,562$2,055$1,638$1,298$823
21 years$2,985$2,386$1,891$1,487$1,161$716
22 years$2,819$2,227$1,742$1,352$1,041$624
23 years$2,668$2,083$1,609$1,231$934$544
24 years$2,530$1,952$1,488$1,123$840$475
25 years$2,403$1,832$1,378$1,025$756$415
26 years$2,286$1,721$1,278$937$681$363
27 years$2,178$1,620$1,187$858$614$317
28 years$2,077$1,527$1,103$786$554$278
29 years$1,984$1,440$1,027$721$500$243
30 years$1,897$1,360$956$662$452$213
31 years$1,816$1,286$892$608$408$187
32 years$1,740$1,217$832$558$369$164
33 years$1,669$1,152$777$514$334$144
34 years$1,602$1,092$726$473$303$126
35 years$1,539$1,036$679$435$274$111
36 years$1,480$983$635$401$248$97
37 years$1,424$934$594$369$225$85
38 years$1,372$887$556$340$204$75
39 years$1,322$844$521$314$185$66
40 years$1,274$803$489$289$168$58
41 years$1,229$764$458$267$152$51
42 years$1,187$728$430$246$138$44
43 years$1,146$693$403$227$125$39
44 years$1,107$661$379$210$114$34
45 years$1,071$630$355$194$103$30
46 years$1,035$601$334$179$94$26
47 years$1,002$574$314$166$85$23
48 years$970$548$295$153$77$20
49 years$939$523$277$141$70$18
50 years$910$500$260$131$64$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $932,000, adding $5,377 every year, while hoping to spend $32,101 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: 29/46/25 Blend
51$932,000$932,000$932,000$932,000
52$1,032,610$983,214$968,768$1,054,412
53$1,103,781$997,237$967,067$1,085,885
54$1,181,136$1,010,870$964,233$1,116,518
55$1,265,271$1,024,062$960,193$1,148,795
56$1,356,843$1,036,755$954,874$1,182,879
57$1,456,575$1,048,890$948,196$1,218,953
58$1,565,261$1,060,401$940,076$1,257,217
59$1,683,777$1,071,220$930,428$1,297,896
60$1,813,085$1,081,273$919,161$1,341,239
61$1,954,246$1,090,482$906,179$1,387,521
62$2,108,427$1,098,763$891,384$1,437,051
63$2,276,912$1,106,028$874,671$1,490,169
64$2,461,115$1,112,182$855,930$1,547,253
65$2,662,594$1,117,124$835,049$1,608,722
66$2,883,063$1,120,747$811,907$1,675,043
67$3,124,409$1,122,937$786,380$1,746,731
68$3,388,712$1,123,574$758,336$1,824,359
69$3,678,260$1,122,529$727,640$1,908,561
70$3,995,575$1,119,665$694,149$2,000,041
71$4,343,434$1,114,839$657,713$2,099,576
72$4,724,893$1,107,895$618,176$2,208,031
73$5,143,322$1,098,672$575,375$2,326,361
74$5,602,431$1,086,997$529,139$2,455,624
75$6,106,305$1,072,685$479,291$2,596,991
76$6,659,445$1,055,544$425,645$2,751,760
77$7,266,810$1,035,368$368,006$2,921,367
78$7,933,862$1,011,938$306,171$3,107,397
79$8,666,616$985,023$239,928$3,311,610
80$9,471,702$954,381$169,057$3,535,947
81$10,356,421$919,751$93,326$3,782,559
82$11,328,818$880,860$12,494$4,053,821
83$12,397,754$837,419$0$4,352,361
84$13,572,994$789,121$0$4,700,763
85$14,865,294$735,643$0$5,087,394
86$16,286,506$676,642$0$5,512,540
87$17,849,688$611,755$0$5,980,199
88$19,569,226$540,601$0$6,494,784
89$21,460,972$462,775$0$7,061,163
90$23,542,389$377,850$0$7,684,712
91$25,832,722$285,373$0$8,371,362
92$28,353,173$184,869$0$9,127,659
93$31,127,103$75,834$0$9,960,824
94$34,180,254$0$0$10,878,827
95$37,540,989$0$0$11,911,854
96$41,240,561$0$0$13,091,470
97$45,313,407$0$0$14,390,292
98$49,797,472$0$0$15,820,444
99$54,734,567$0$0$17,395,286
100$60,170,766$0$0$19,129,537