Can I retire at age 52 with 926,000?

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 $926,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.7%
1 years$76,468$75,787$75,123$74,474$73,841$72,707
2 years$37,856$37,151$36,467$35,805$35,162$34,023
3 years$24,986$24,278$23,597$22,940$22,308$21,199
4 years$18,553$17,847$17,172$16,527$15,910$14,839
5 years$14,694$13,992$13,326$12,695$12,095$11,065
6 years$12,122$11,426$10,770$10,152$9,570$8,583
7 years$10,286$9,595$8,950$8,346$7,783$6,839
8 years$8,909$8,225$7,590$7,002$6,457$5,555
9 years$7,839$7,161$6,537$5,964$5,438$4,578
10 years$6,984$6,312$5,699$5,141$4,633$3,815
11 years$6,284$5,620$5,018$4,474$3,985$3,208
12 years$5,701$5,044$4,453$3,924$3,453$2,716
13 years$5,209$4,558$3,978$3,465$3,011$2,312
14 years$4,787$4,143$3,575$3,076$2,640$1,978
15 years$4,422$3,785$3,227$2,743$2,324$1,699
16 years$4,103$3,473$2,926$2,456$2,054$1,465
17 years$3,821$3,198$2,663$2,207$1,821$1,266
18 years$3,571$2,955$2,431$1,989$1,619$1,096
19 years$3,348$2,739$2,225$1,797$1,443$952
20 years$3,147$2,545$2,042$1,627$1,289$827
21 years$2,966$2,371$1,878$1,477$1,154$721
22 years$2,801$2,213$1,731$1,343$1,034$628
23 years$2,651$2,070$1,598$1,223$928$548
24 years$2,514$1,939$1,478$1,115$834$479
25 years$2,387$1,820$1,369$1,019$751$419
26 years$2,271$1,710$1,270$931$676$367
27 years$2,164$1,610$1,179$853$610$321
28 years$2,064$1,517$1,096$781$550$281
29 years$1,971$1,431$1,020$716$497$247
30 years$1,885$1,351$950$657$449$216
31 years$1,804$1,277$886$604$406$190
32 years$1,729$1,209$827$555$367$166
33 years$1,658$1,145$772$510$332$146
34 years$1,592$1,085$721$469$301$128
35 years$1,530$1,029$674$432$272$113
36 years$1,471$977$631$398$247$99
37 years$1,415$928$590$367$224$87
38 years$1,363$882$553$338$203$76
39 years$1,313$838$518$312$184$67
40 years$1,266$798$485$287$167$59
41 years$1,221$759$455$265$151$52
42 years$1,179$723$427$245$137$46
43 years$1,139$689$401$226$125$40
44 years$1,100$657$376$209$113$35
45 years$1,064$626$353$193$103$31
46 years$1,029$597$332$178$93$27
47 years$995$570$312$164$85$24
48 years$964$544$293$152$77$21
49 years$933$520$275$140$70$18
50 years$904$496$259$130$63$16

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $926,000, adding $5,777 every year, while hoping to spend $52,581 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: 43/37/20 Blend
51$926,000$926,000$926,000$926,000
52$1,026,411$977,333$962,980$1,064,346
53$1,075,159$969,277$939,294$1,083,675
54$1,127,117$959,063$913,052$1,099,029
55$1,182,557$946,531$884,114$1,114,579
56$1,241,777$931,510$852,331$1,130,370
57$1,305,104$913,819$817,549$1,146,455
58$1,372,894$893,266$779,606$1,162,895
59$1,445,541$869,648$738,335$1,179,763
60$1,523,476$842,750$693,559$1,197,144
61$1,607,170$812,345$645,092$1,215,135
62$1,697,142$778,191$592,744$1,233,847
63$1,793,962$740,033$536,313$1,253,412
64$1,898,254$697,603$475,587$1,273,977
65$2,010,706$650,616$410,349$1,295,711
66$2,132,071$598,768$340,368$1,318,808
67$2,263,177$541,743$265,406$1,343,488
68$2,404,936$479,203$185,212$1,369,999
69$2,558,348$410,793$99,525$1,398,624
70$2,724,513$336,136$8,073$1,429,682
71$2,904,642$254,835$0$1,463,534
72$3,100,064$166,470$0$1,519,690
73$3,312,242$70,599$0$1,582,583
74$3,542,785$0$0$1,651,071
75$3,793,464$0$0$1,739,335
76$4,066,225$0$0$1,866,751
77$4,363,212$0$0$2,005,589
78$4,686,781$0$0$2,156,964
79$5,039,528$0$0$2,322,103
80$5,424,309$0$0$2,502,358
81$5,844,265$0$0$2,699,217
82$6,302,857$0$0$2,914,315
83$6,803,893$0$0$3,149,457
84$7,351,567$0$0$3,406,627
85$7,950,495$0$0$3,688,010
86$8,605,758$0$0$3,996,011
87$9,322,954$0$0$4,333,282
88$10,108,246$0$0$4,702,739
89$10,968,420$0$0$5,107,595
90$11,910,949$0$0$5,551,390
91$12,944,064$0$0$6,038,021
92$14,076,830$0$0$6,571,780
93$15,319,231$0$0$7,157,396
94$16,682,263$0$0$7,800,077
95$18,178,040$0$0$8,505,559
96$19,819,903$0$0$9,280,161
97$21,622,548$0$0$10,130,844
98$23,602,166$0$0$11,065,276
99$25,776,589$0$0$12,091,905
100$28,165,463$0$0$13,220,035