Can I retire at age 52 with 921,000?

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 $921,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.4%
1 years$76,055$75,378$74,717$74,072$73,442$73,010
2 years$37,651$36,950$36,270$35,611$34,972$34,536
3 years$24,851$24,147$23,469$22,817$22,188$21,761
4 years$18,453$17,751$17,080$16,438$15,825$15,411
5 years$14,615$13,917$13,255$12,626$12,030$11,630
6 years$12,057$11,364$10,712$10,097$9,519$9,134
7 years$10,230$9,544$8,901$8,301$7,741$7,371
8 years$8,861$8,181$7,549$6,964$6,422$6,067
9 years$7,797$7,123$6,502$5,932$5,408$5,068
10 years$6,946$6,278$5,669$5,113$4,608$4,283
11 years$6,250$5,589$4,991$4,450$3,963$3,652
12 years$5,671$5,017$4,429$3,903$3,434$3,138
13 years$5,181$4,534$3,957$3,446$2,995$2,712
14 years$4,761$4,121$3,555$3,059$2,625$2,356
15 years$4,398$3,764$3,210$2,728$2,311$2,055
16 years$4,080$3,454$2,910$2,443$2,043$1,799
17 years$3,800$3,181$2,648$2,195$1,811$1,580
18 years$3,552$2,939$2,418$1,978$1,611$1,392
19 years$3,330$2,724$2,213$1,787$1,436$1,228
20 years$3,130$2,531$2,031$1,619$1,282$1,086
21 years$2,950$2,358$1,868$1,469$1,147$962
22 years$2,786$2,201$1,722$1,336$1,029$854
23 years$2,637$2,058$1,590$1,216$923$758
24 years$2,500$1,929$1,470$1,109$830$674
25 years$2,374$1,810$1,362$1,013$747$600
26 years$2,259$1,701$1,263$926$673$535
27 years$2,152$1,601$1,173$848$606$477
28 years$2,053$1,509$1,090$777$547$426
29 years$1,961$1,423$1,015$712$494$380
30 years$1,875$1,344$945$654$446$340
31 years$1,795$1,271$881$601$404$304
32 years$1,720$1,202$822$552$365$272
33 years$1,649$1,138$768$508$330$243
34 years$1,583$1,079$717$467$299$217
35 years$1,521$1,023$670$430$271$195
36 years$1,463$971$627$396$246$174
37 years$1,408$923$587$365$223$156
38 years$1,355$877$550$336$202$140
39 years$1,306$834$515$310$183$125
40 years$1,259$793$483$286$166$112
41 years$1,215$755$453$264$151$101
42 years$1,173$719$425$243$137$90
43 years$1,132$685$398$225$124$81
44 years$1,094$653$374$208$113$73
45 years$1,058$623$351$192$102$65
46 years$1,023$594$330$177$93$58
47 years$990$567$310$164$84$52
48 years$958$541$291$151$76$47
49 years$928$517$274$140$69$42
50 years$899$494$257$129$63$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $921,000, adding $5,327 every year, while hoping to spend $20,646 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: 62/10/28 Blend
51$921,000$921,000$921,000$921,000
52$1,020,437$971,624$957,348$1,075,738
53$1,102,554$997,266$967,452$1,139,587
54$1,192,356$1,023,473$977,203$1,206,567
55$1,290,603$1,050,250$986,566$1,279,267
56$1,398,135$1,077,603$995,507$1,358,251
57$1,515,876$1,105,537$1,003,988$1,444,140
58$1,644,844$1,134,057$1,011,969$1,537,618
59$1,786,158$1,163,166$1,019,410$1,639,439
60$1,941,053$1,192,867$1,026,267$1,750,434
61$2,110,887$1,223,164$1,032,494$1,871,518
62$2,297,157$1,254,059$1,038,042$2,003,700
63$2,501,512$1,285,554$1,042,862$2,148,093
64$2,725,768$1,317,647$1,046,900$2,305,922
65$2,971,925$1,350,340$1,050,099$2,478,537
66$3,242,185$1,383,631$1,052,402$2,667,426
67$3,538,977$1,417,518$1,053,746$2,874,230
68$3,864,973$1,451,997$1,054,067$3,100,756
69$4,223,119$1,487,064$1,053,297$3,348,997
70$4,616,660$1,522,712$1,051,364$3,621,148
71$5,049,169$1,558,934$1,048,195$3,919,629
72$5,524,584$1,595,723$1,043,710$4,247,107
73$6,047,245$1,633,066$1,037,827$4,606,521
74$6,621,931$1,670,953$1,030,461$5,001,112
75$7,253,907$1,709,369$1,021,521$5,434,449
76$7,948,975$1,748,298$1,010,912$5,910,467
77$8,713,529$1,787,723$998,535$6,433,505
78$9,554,610$1,827,623$984,288$7,008,340
79$10,479,980$1,867,975$968,060$7,640,243
80$11,498,187$1,908,755$949,740$8,335,019
81$12,618,652$1,949,934$929,206$9,099,068
82$13,851,756$1,991,483$906,336$9,939,442
83$15,208,936$2,033,366$880,999$10,863,915
84$16,702,793$2,075,547$853,058$11,881,053
85$18,347,214$2,117,985$822,372$13,000,299
86$20,157,499$2,160,635$788,791$14,232,060
87$22,150,508$2,203,450$752,159$15,587,803
88$24,344,817$2,246,377$712,314$17,080,169
89$26,760,897$2,289,358$669,085$18,723,090
90$29,421,304$2,332,331$622,294$20,531,918
91$32,350,892$2,375,231$571,757$22,523,574
92$35,577,050$2,417,984$517,277$24,716,708
93$39,129,956$2,460,512$458,653$27,131,872
94$43,042,867$2,502,732$395,673$29,791,718
95$47,352,426$2,544,553$328,114$32,721,210
96$52,099,015$2,585,877$255,748$35,947,859
97$57,327,130$2,626,601$178,330$39,501,989
98$63,085,804$2,666,611$95,611$43,417,016
99$69,429,069$2,705,788$7,327$47,729,767
100$76,416,465$2,744,003$0$52,480,830