Can I retire at age 52 with 933,000?

Use the below retirement simulation to view the chances of a successful retirement.
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 $933,000?

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$77,046$76,360$75,690$75,037$74,399$73,775
2 years$38,142$37,431$36,743$36,075$35,428$34,800
3 years$25,175$24,462$23,775$23,114$22,477$21,863
4 years$18,693$17,982$17,302$16,652$16,031$15,436
5 years$14,805$14,098$13,427$12,791$12,186$11,613
6 years$12,214$11,512$10,851$10,229$9,643$9,091
7 years$10,364$9,668$9,017$8,410$7,842$7,312
8 years$8,977$8,287$7,647$7,055$6,506$5,998
9 years$7,898$7,215$6,587$6,009$5,479$4,993
10 years$7,036$6,360$5,742$5,180$4,668$4,204
11 years$6,332$5,662$5,056$4,508$4,015$3,572
12 years$5,745$5,082$4,487$3,954$3,479$3,057
13 years$5,248$4,593$4,009$3,491$3,034$2,632
14 years$4,823$4,175$3,602$3,099$2,659$2,278
15 years$4,455$3,814$3,252$2,764$2,342$1,979
16 years$4,134$3,499$2,948$2,474$2,070$1,726
17 years$3,850$3,222$2,683$2,223$1,835$1,509
18 years$3,598$2,978$2,449$2,004$1,632$1,323
19 years$3,373$2,760$2,242$1,810$1,454$1,163
20 years$3,171$2,564$2,058$1,640$1,299$1,024
21 years$2,988$2,389$1,893$1,488$1,162$903
22 years$2,822$2,230$1,744$1,353$1,042$798
23 years$2,671$2,085$1,611$1,232$935$705
24 years$2,533$1,954$1,490$1,124$841$624
25 years$2,405$1,834$1,380$1,026$756$553
26 years$2,288$1,723$1,279$938$681$491
27 years$2,180$1,622$1,188$859$614$436
28 years$2,079$1,528$1,105$787$554$387
29 years$1,986$1,442$1,028$722$501$344
30 years$1,899$1,362$957$662$452$306
31 years$1,818$1,287$893$608$409$272
32 years$1,742$1,218$833$559$370$242
33 years$1,671$1,153$778$514$335$215
34 years$1,604$1,093$727$473$303$192
35 years$1,541$1,037$679$435$275$171
36 years$1,482$984$635$401$249$152
37 years$1,426$935$595$370$225$136
38 years$1,373$888$557$341$204$121
39 years$1,323$845$522$314$185$108
40 years$1,276$804$489$290$168$96
41 years$1,231$765$459$267$153$86
42 years$1,188$728$430$247$138$77
43 years$1,147$694$404$228$126$68
44 years$1,109$662$379$210$114$61
45 years$1,072$631$356$194$103$54
46 years$1,037$602$334$179$94$48
47 years$1,003$574$314$166$85$43
48 years$971$548$295$153$77$39
49 years$940$524$277$141$70$34
50 years$911$500$261$131$64$31

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $933,000, adding $2,863 every year, while hoping to spend $23,818 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: 37/43/20 Blend
51$933,000$933,000$933,000$933,000
52$1,031,119$981,670$967,209$1,062,959
53$1,110,951$1,004,430$974,268$1,109,089
54$1,198,128$1,027,506$980,766$1,156,439
55$1,293,373$1,050,890$986,657$1,207,093
56$1,397,484$1,074,571$991,897$1,261,364
57$1,511,338$1,098,535$996,436$1,319,592
58$1,635,901$1,122,771$1,000,224$1,382,155
59$1,772,238$1,147,261$1,003,206$1,449,470
60$1,921,519$1,171,990$1,005,327$1,521,994
61$2,085,036$1,196,939$1,006,527$1,600,232
62$2,264,207$1,222,087$1,006,743$1,684,743
63$2,460,600$1,247,413$1,005,912$1,776,141
64$2,675,935$1,272,890$1,003,965$1,875,103
65$2,912,112$1,298,494$1,000,829$1,982,376
66$3,171,221$1,324,193$996,431$2,098,784
67$3,455,564$1,349,957$990,690$2,225,235
68$3,767,678$1,375,752$983,524$2,362,731
69$4,110,357$1,401,539$974,848$2,512,377
70$4,486,677$1,427,278$964,569$2,675,389
71$4,900,030$1,452,926$952,594$2,853,112
72$5,354,150$1,478,436$938,822$3,047,026
73$5,853,150$1,503,757$923,150$3,258,765
74$6,401,565$1,528,834$905,469$3,490,130
75$7,004,386$1,553,609$885,664$3,743,106
76$7,667,117$1,578,019$863,616$4,019,885
77$8,395,816$1,601,995$839,201$4,322,880
78$9,197,162$1,625,466$812,288$4,654,755
79$10,078,513$1,648,354$782,739$5,018,446
80$11,047,973$1,670,575$750,413$5,417,193
81$12,114,474$1,692,041$715,159$5,854,564
82$13,287,855$1,712,656$676,822$6,334,498
83$14,578,960$1,732,319$635,239$6,861,336
84$15,999,732$1,750,922$590,238$7,439,863
85$17,563,336$1,768,348$541,642$8,075,360
86$19,284,274$1,784,475$489,264$8,773,644
87$21,178,525$1,799,170$432,911$9,541,132
88$23,263,700$1,812,293$372,378$10,384,898
89$25,559,198$1,823,697$307,453$11,312,743
90$28,086,399$1,833,221$237,916$12,333,266
91$30,868,859$1,840,696$163,534$13,455,949
92$33,932,537$1,845,944$84,066$14,691,244
93$37,306,034$1,848,774$0$16,050,676
94$41,020,867$1,848,981$0$17,547,107
95$45,111,766$1,846,352$0$19,213,543
96$49,617,001$1,840,658$0$21,047,524
97$54,578,740$1,831,655$0$23,066,135
98$60,043,451$1,819,086$0$25,288,206
99$66,062,341$1,802,679$0$27,734,492
100$72,691,832$1,782,143$0$30,427,868