Can I retire at age 52 with 931,000?

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 $931,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.1%
1 years$76,881$76,196$75,528$74,876$74,239$72,681
2 years$38,060$37,351$36,664$35,998$35,352$33,789
3 years$25,121$24,409$23,724$23,064$22,429$20,911
4 years$18,653$17,943$17,265$16,617$15,996$14,534
5 years$14,773$14,068$13,398$12,763$12,160$10,758
6 years$12,188$11,487$10,828$10,207$9,622$8,282
7 years$10,341$9,647$8,998$8,392$7,825$6,547
8 years$8,957$8,269$7,631$7,039$6,492$5,275
9 years$7,882$7,200$6,573$5,996$5,467$4,311
10 years$7,021$6,346$5,730$5,169$4,658$3,562
11 years$6,318$5,650$5,045$4,498$4,006$2,969
12 years$5,732$5,071$4,477$3,946$3,472$2,491
13 years$5,237$4,583$4,000$3,483$3,027$2,101
14 years$4,813$4,166$3,594$3,092$2,654$1,781
15 years$4,446$3,805$3,245$2,758$2,337$1,515
16 years$4,125$3,491$2,942$2,469$2,065$1,293
17 years$3,842$3,215$2,677$2,219$1,831$1,106
18 years$3,591$2,971$2,444$1,999$1,628$949
19 years$3,366$2,754$2,237$1,807$1,451$815
20 years$3,164$2,559$2,053$1,636$1,296$701
21 years$2,982$2,383$1,889$1,485$1,160$604
22 years$2,816$2,225$1,741$1,350$1,040$521
23 years$2,665$2,081$1,607$1,230$933$450
24 years$2,527$1,950$1,486$1,121$839$389
25 years$2,400$1,830$1,377$1,024$755$336
26 years$2,283$1,720$1,277$936$680$291
27 years$2,175$1,618$1,186$857$613$252
28 years$2,075$1,525$1,102$785$553$218
29 years$1,982$1,439$1,026$720$499$189
30 years$1,895$1,359$955$661$451$164
31 years$1,814$1,284$891$607$408$142
32 years$1,738$1,215$831$558$369$123
33 years$1,667$1,151$776$513$334$107
34 years$1,601$1,091$725$472$302$93
35 years$1,538$1,035$678$435$274$81
36 years$1,479$982$634$400$248$70
37 years$1,423$933$593$369$225$61
38 years$1,370$886$556$340$204$53
39 years$1,320$843$521$313$185$46
40 years$1,273$802$488$289$168$40
41 years$1,228$763$458$267$152$34
42 years$1,185$727$429$246$138$30
43 years$1,145$693$403$227$125$26
44 years$1,106$660$378$210$114$23
45 years$1,069$630$355$194$103$20
46 years$1,034$601$333$179$94$17
47 years$1,001$573$313$165$85$15
48 years$969$547$294$153$77$13
49 years$938$522$277$141$70$11
50 years$909$499$260$130$64$10

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $931,000, adding $6,056 every year, while hoping to spend $48,023 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: 75/6/19 Blend
51$931,000$931,000$931,000$931,000
52$1,032,209$982,866$968,435$1,104,613
53$1,086,398$979,930$949,782$1,150,473
54$1,144,505$975,241$928,894$1,194,240
55$1,206,879$968,662$905,646$1,240,955
56$1,273,902$960,048$879,907$1,290,900
57$1,345,995$949,246$851,539$1,344,386
58$1,423,619$936,092$820,398$1,401,756
59$1,507,282$920,414$786,335$1,463,389
60$1,597,540$902,029$749,192$1,529,703
61$1,695,004$880,743$708,805$1,601,158
62$1,800,347$856,352$665,002$1,678,264
63$1,914,306$828,638$617,604$1,761,583
64$2,037,695$797,371$566,424$1,851,734
65$2,171,406$762,308$511,265$1,949,402
66$2,316,420$723,191$451,923$2,055,342
67$2,473,817$679,749$388,184$2,170,387
68$2,644,783$631,694$319,825$2,295,456
69$2,830,625$578,721$246,614$2,431,564
70$3,032,780$520,509$168,306$2,579,831
71$3,252,827$456,718$84,648$2,741,491
72$3,492,506$386,988$0$2,917,908
73$3,753,731$310,940$0$3,111,525
74$4,038,608$228,172$0$3,341,435
75$4,349,455$138,262$0$3,592,350
76$4,688,825$40,762$0$3,866,350
77$5,059,525$0$0$4,165,727
78$5,464,649$0$0$4,497,283
79$5,907,600$0$0$4,862,776
80$6,392,128$0$0$5,262,613
81$6,922,359$0$0$5,700,203
82$7,502,838$0$0$6,179,304
83$8,138,569$0$0$6,704,049
84$8,835,064$0$0$7,278,994
85$9,598,392$0$0$7,909,154
86$10,435,237$0$0$8,600,053
87$11,352,961$0$0$9,357,775
88$12,359,672$0$0$10,189,020
89$13,464,303$0$0$11,101,171
90$14,676,691$0$0$12,102,356
91$16,007,671$0$0$13,201,532
92$17,469,181$0$0$14,408,562
93$19,074,369$0$0$15,734,314
94$20,837,722$0$0$17,190,760
95$22,775,197$0$0$18,791,087
96$24,904,373$0$0$20,549,824
97$27,244,617$0$0$22,482,976
98$29,817,266$0$0$24,608,177
99$32,645,827$0$0$26,944,855
100$35,756,198$0$0$29,514,413