Can I retire at age 52 with 922,000?

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 $922,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.8%
1 years$76,138$75,460$74,798$74,152$73,522$71,197
2 years$37,692$36,990$36,310$35,650$35,010$32,689
3 years$24,878$24,173$23,495$22,841$22,212$19,967
4 years$18,473$17,770$17,098$16,456$15,842$13,691
5 years$14,631$13,932$13,269$12,640$12,043$9,991
6 years$12,070$11,376$10,723$10,108$9,529$7,579
7 years$10,241$9,554$8,911$8,310$7,750$5,900
8 years$8,871$8,189$7,557$6,971$6,429$4,680
9 years$7,805$7,130$6,509$5,938$5,414$3,762
10 years$6,953$6,285$5,675$5,119$4,613$3,057
11 years$6,257$5,595$4,996$4,455$3,967$2,504
12 years$5,677$5,022$4,434$3,907$3,438$2,064
13 years$5,186$4,538$3,961$3,450$2,998$1,710
14 years$4,766$4,125$3,559$3,062$2,628$1,422
15 years$4,403$3,769$3,214$2,731$2,314$1,187
16 years$4,085$3,458$2,914$2,445$2,045$994
17 years$3,805$3,184$2,651$2,197$1,813$834
18 years$3,556$2,942$2,420$1,980$1,612$701
19 years$3,333$2,727$2,216$1,789$1,437$590
20 years$3,134$2,534$2,033$1,620$1,284$497
21 years$2,953$2,360$1,870$1,471$1,149$420
22 years$2,789$2,203$1,724$1,337$1,030$355
23 years$2,640$2,061$1,592$1,218$924$300
24 years$2,503$1,931$1,472$1,111$831$254
25 years$2,377$1,812$1,363$1,014$748$215
26 years$2,261$1,703$1,264$927$673$182
27 years$2,154$1,603$1,174$849$607$154
28 years$2,055$1,510$1,091$778$548$130
29 years$1,963$1,425$1,016$713$495$111
30 years$1,877$1,345$946$655$447$94
31 years$1,797$1,272$882$601$404$79
32 years$1,722$1,203$823$552$366$67
33 years$1,651$1,140$768$508$331$57
34 years$1,585$1,080$718$467$300$48
35 years$1,523$1,025$671$430$271$41
36 years$1,464$972$628$396$246$35
37 years$1,409$924$588$365$223$30
38 years$1,357$878$550$337$202$25
39 years$1,307$835$516$310$183$21
40 years$1,261$794$483$286$166$18
41 years$1,216$756$453$264$151$15
42 years$1,174$720$425$244$137$13
43 years$1,134$686$399$225$124$11
44 years$1,095$654$374$208$113$9
45 years$1,059$623$352$192$102$8
46 years$1,024$595$330$177$93$7
47 years$991$568$310$164$84$6
48 years$959$542$292$151$77$5
49 years$929$517$274$140$70$4
50 years$900$494$258$129$63$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $922,000, adding $6,176 every year, while hoping to spend $26,664 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: 78/11/11 Blend
51$922,000$922,000$922,000$922,000
52$1,022,415$973,549$959,258$1,099,653
53$1,098,331$992,882$963,022$1,170,645
54$1,181,096$1,012,269$966,020$1,244,445
55$1,271,382$1,031,685$968,196$1,324,620
56$1,369,927$1,051,101$969,494$1,411,797
57$1,477,542$1,070,487$969,854$1,506,664
58$1,595,122$1,089,812$969,215$1,609,978
59$1,723,652$1,109,040$967,511$1,722,575
60$1,864,215$1,128,134$964,674$1,845,373
61$2,018,006$1,147,053$960,631$1,979,387
62$2,186,337$1,165,754$955,307$2,125,733
63$2,370,658$1,184,190$948,624$2,285,639
64$2,572,560$1,202,310$940,498$2,460,461
65$2,793,799$1,220,061$930,843$2,651,692
66$3,036,308$1,237,386$919,567$2,860,975
67$3,302,216$1,254,222$906,577$3,090,123
68$3,593,866$1,270,504$891,772$3,341,132
69$3,913,842$1,286,160$875,048$3,616,202
70$4,264,988$1,301,115$856,296$3,917,757
71$4,650,436$1,315,290$835,401$4,248,467
72$5,073,638$1,328,597$812,245$4,611,276
73$5,538,396$1,340,945$786,702$5,009,428
74$6,048,898$1,352,236$758,642$5,446,495
75$6,609,757$1,362,367$727,927$5,926,415
76$7,226,055$1,371,226$694,416$6,453,530
77$7,903,392$1,378,695$657,958$7,032,620
78$8,647,936$1,384,649$618,397$7,668,957
79$9,466,483$1,388,954$575,571$8,368,347
80$10,366,520$1,391,469$529,309$9,137,191
81$11,356,296$1,392,043$479,432$9,982,543
82$12,444,900$1,390,514$425,755$10,912,173
83$13,642,345$1,386,714$368,083$11,934,648
84$14,959,663$1,380,462$306,212$13,059,408
85$16,409,010$1,371,567$239,932$14,296,855
86$18,003,780$1,359,824$169,020$15,658,452
87$19,758,729$1,345,019$93,246$17,156,834
88$21,690,118$1,326,924$12,369$18,805,923
89$23,815,863$1,305,295$0$20,621,064
90$26,155,704$1,279,878$0$22,627,843
91$28,731,393$1,250,400$0$24,838,331
92$31,566,899$1,216,573$0$27,271,642
93$34,688,631$1,178,093$0$29,950,443
94$38,125,690$1,134,638$0$32,899,709
95$41,910,141$1,085,866$0$36,146,964
96$46,077,319$1,031,417$0$39,722,538
97$50,666,157$970,909$0$43,659,854
98$55,719,560$903,937$0$47,995,741
99$61,284,801$830,076$0$52,770,786
100$67,413,974$748,874$0$58,029,715