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%12%
1 years$76,881$76,196$75,528$74,876$74,239$73,617
2 years$38,060$37,351$36,664$35,998$35,352$34,725
3 years$25,121$24,409$23,724$23,064$22,429$21,816
4 years$18,653$17,943$17,265$16,617$15,996$15,403
5 years$14,773$14,068$13,398$12,763$12,160$11,588
6 years$12,188$11,487$10,828$10,207$9,622$9,072
7 years$10,341$9,647$8,998$8,392$7,825$7,297
8 years$8,957$8,269$7,631$7,039$6,492$5,985
9 years$7,882$7,200$6,573$5,996$5,467$4,982
10 years$7,021$6,346$5,730$5,169$4,658$4,195
11 years$6,318$5,650$5,045$4,498$4,006$3,564
12 years$5,732$5,071$4,477$3,946$3,472$3,050
13 years$5,237$4,583$4,000$3,483$3,027$2,626
14 years$4,813$4,166$3,594$3,092$2,654$2,273
15 years$4,446$3,805$3,245$2,758$2,337$1,975
16 years$4,125$3,491$2,942$2,469$2,065$1,722
17 years$3,842$3,215$2,677$2,219$1,831$1,506
18 years$3,591$2,971$2,444$1,999$1,628$1,320
19 years$3,366$2,754$2,237$1,807$1,451$1,160
20 years$3,164$2,559$2,053$1,636$1,296$1,022
21 years$2,982$2,383$1,889$1,485$1,160$901
22 years$2,816$2,225$1,741$1,350$1,040$796
23 years$2,665$2,081$1,607$1,230$933$704
24 years$2,527$1,950$1,486$1,121$839$623
25 years$2,400$1,830$1,377$1,024$755$552
26 years$2,283$1,720$1,277$936$680$490
27 years$2,175$1,618$1,186$857$613$435
28 years$2,075$1,525$1,102$785$553$386
29 years$1,982$1,439$1,026$720$499$343
30 years$1,895$1,359$955$661$451$305
31 years$1,814$1,284$891$607$408$271
32 years$1,738$1,215$831$558$369$241
33 years$1,667$1,151$776$513$334$215
34 years$1,601$1,091$725$472$302$191
35 years$1,538$1,035$678$435$274$171
36 years$1,479$982$634$400$248$152
37 years$1,423$933$593$369$225$135
38 years$1,370$886$556$340$204$121
39 years$1,320$843$521$313$185$108
40 years$1,273$802$488$289$168$96
41 years$1,228$763$458$267$152$86
42 years$1,185$727$429$246$138$76
43 years$1,145$693$403$227$125$68
44 years$1,106$660$378$210$114$61
45 years$1,069$630$355$194$103$54
46 years$1,034$601$333$179$94$48
47 years$1,001$573$313$165$85$43
48 years$969$547$294$153$77$39
49 years$938$522$277$141$70$34
50 years$909$499$260$130$64$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $931,000, adding $3,358 every year, while hoping to spend $29,468 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: 44/27/29 Blend
51$931,000$931,000$931,000$931,000
52$1,029,426$980,083$965,652$1,065,922
53$1,103,073$996,753$966,648$1,109,014
54$1,183,246$1,013,253$966,689$1,152,640
55$1,270,577$1,029,542$965,713$1,199,376
56$1,365,764$1,045,578$963,654$1,249,526
57$1,469,577$1,061,317$960,441$1,303,432
58$1,582,861$1,076,708$956,003$1,361,466
59$1,706,547$1,091,701$950,263$1,424,042
60$1,841,659$1,106,238$943,141$1,491,619
61$1,989,325$1,120,261$934,553$1,564,700
62$2,150,787$1,133,705$924,411$1,643,844
63$2,327,413$1,146,502$912,625$1,729,667
64$2,520,708$1,158,579$899,096$1,822,849
65$2,732,330$1,169,859$883,726$1,924,143
66$2,964,104$1,180,259$866,407$2,034,377
67$3,218,041$1,189,690$847,030$2,154,470
68$3,496,355$1,198,059$825,480$2,285,434
69$3,801,485$1,205,265$801,635$2,428,386
70$4,136,115$1,211,202$775,368$2,584,561
71$4,503,205$1,215,757$746,549$2,755,321
72$4,906,011$1,218,808$715,038$2,942,171
73$5,348,124$1,220,229$680,691$3,146,771
74$5,833,495$1,219,883$643,357$3,370,955
75$6,366,480$1,217,626$602,878$3,616,746
76$6,951,876$1,213,304$559,089$3,886,377
77$7,594,966$1,206,755$511,817$4,182,312
78$8,301,572$1,197,806$460,883$4,507,272
79$9,078,108$1,186,274$406,098$4,864,258
80$9,931,638$1,171,965$347,266$5,256,582
81$10,869,947$1,154,673$284,181$5,687,899
82$11,901,610$1,134,180$216,629$6,162,241
83$13,036,074$1,110,255$144,386$6,684,056
84$14,283,750$1,082,653$67,219$7,258,253
85$15,656,105$1,051,116$0$7,890,246
86$17,165,776$1,015,369$0$8,590,692
87$18,826,685$975,122$0$9,383,997
88$20,654,172$930,068$0$10,256,690
89$22,665,138$879,882$0$11,216,875
90$24,878,206$824,220$0$12,273,483
91$27,313,896$762,720$0$13,436,360
92$29,994,816$694,996$0$14,716,359
93$32,945,880$620,644$0$16,125,445
94$36,194,538$539,233$0$17,676,804
95$39,771,036$450,311$0$19,384,974
96$43,708,704$353,399$0$21,265,980
97$48,044,266$247,989$0$23,337,483
98$52,818,190$133,549$0$25,618,954
99$58,075,066$9,514$0$28,131,853
100$63,864,031$0$0$30,899,835