Can I retire at age 52 with 934,000?

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 $934,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.4%
1 years$77,129$76,442$75,772$75,117$74,478$72,531
2 years$38,183$37,471$36,782$36,114$35,466$33,517
3 years$25,202$24,488$23,801$23,139$22,501$20,612
4 years$18,713$18,001$17,321$16,670$16,048$14,233
5 years$14,821$14,113$13,442$12,804$12,199$10,464
6 years$12,227$11,525$10,863$10,240$9,653$7,998
7 years$10,375$9,678$9,027$8,419$7,850$6,277
8 years$8,986$8,296$7,656$7,062$6,513$5,019
9 years$7,907$7,223$6,594$6,015$5,485$4,070
10 years$7,044$6,367$5,749$5,185$4,673$3,336
11 years$6,338$5,668$5,061$4,513$4,019$2,757
12 years$5,751$5,087$4,492$3,958$3,483$2,294
13 years$5,254$4,597$4,013$3,495$3,037$1,918
14 years$4,828$4,179$3,606$3,102$2,662$1,611
15 years$4,460$3,818$3,255$2,767$2,344$1,358
16 years$4,138$3,503$2,951$2,477$2,072$1,149
17 years$3,854$3,226$2,686$2,226$1,837$973
18 years$3,602$2,981$2,452$2,006$1,633$827
19 years$3,377$2,763$2,244$1,812$1,456$703
20 years$3,174$2,567$2,060$1,641$1,300$599
21 years$2,991$2,391$1,895$1,490$1,164$511
22 years$2,825$2,232$1,746$1,355$1,043$437
23 years$2,674$2,088$1,612$1,234$936$373
24 years$2,535$1,956$1,491$1,125$842$319
25 years$2,408$1,836$1,381$1,028$757$273
26 years$2,291$1,725$1,281$940$682$234
27 years$2,182$1,624$1,189$860$615$200
28 years$2,082$1,530$1,106$788$555$172
29 years$1,988$1,443$1,029$723$501$147
30 years$1,901$1,363$958$663$453$126
31 years$1,820$1,288$894$609$409$108
32 years$1,744$1,219$834$560$370$93
33 years$1,673$1,155$778$515$335$80
34 years$1,606$1,094$727$474$303$68
35 years$1,543$1,038$680$436$275$59
36 years$1,483$985$636$401$249$50
37 years$1,427$936$595$370$226$43
38 years$1,374$889$558$341$205$37
39 years$1,324$846$522$314$186$32
40 years$1,277$804$490$290$168$27
41 years$1,232$766$459$268$153$24
42 years$1,189$729$431$247$139$20
43 years$1,148$695$404$228$126$17
44 years$1,110$662$379$210$114$15
45 years$1,073$632$356$194$104$13
46 years$1,038$603$335$180$94$11
47 years$1,004$575$314$166$85$9
48 years$972$549$295$153$78$8
49 years$941$524$278$142$70$7
50 years$912$501$261$131$64$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $934,000, adding $3,023 every year, while hoping to spend $21,223 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: 56/24/20 Blend
51$934,000$934,000$934,000$934,000
52$1,032,386$982,884$968,407$1,084,491
53$1,115,109$1,008,464$978,268$1,145,961
54$1,205,557$1,034,587$987,747$1,210,369
55$1,304,498$1,061,255$996,811$1,280,070
56$1,412,774$1,088,474$1,005,421$1,355,579
57$1,531,313$1,116,246$1,013,539$1,437,460
58$1,661,138$1,144,573$1,021,124$1,526,338
59$1,803,375$1,173,457$1,028,132$1,622,899
60$1,959,263$1,202,901$1,034,518$1,727,898
61$2,130,167$1,232,903$1,040,234$1,842,168
62$2,317,593$1,263,463$1,045,230$1,966,628
63$2,523,195$1,294,581$1,049,454$2,102,287
64$2,748,799$1,326,253$1,052,848$2,250,261
65$2,996,414$1,358,477$1,055,356$2,411,776
66$3,268,254$1,391,248$1,056,916$2,588,185
67$3,566,757$1,424,561$1,057,464$2,780,977
68$3,894,609$1,458,407$1,056,932$2,991,795
69$4,254,770$1,492,779$1,055,250$3,222,449
70$4,650,498$1,527,667$1,052,343$3,474,932
71$5,085,386$1,563,060$1,048,133$3,751,441
72$5,563,389$1,598,944$1,042,539$4,054,398
73$6,088,867$1,635,304$1,035,476$4,386,472
74$6,666,620$1,672,122$1,026,853$4,750,602
75$7,301,940$1,709,381$1,016,577$5,150,030
76$8,000,655$1,747,058$1,004,550$5,588,327
77$8,769,187$1,785,130$990,668$6,069,429
78$9,614,613$1,823,569$974,824$6,597,674
79$10,544,727$1,862,348$956,905$7,177,842
80$11,568,120$1,901,434$936,792$7,815,201
81$12,694,256$1,940,792$914,362$8,515,559
82$13,933,563$1,980,383$889,485$9,285,313
83$15,297,530$2,020,165$862,027$10,131,517
84$16,798,818$2,060,094$831,845$11,061,942
85$18,451,377$2,100,118$798,791$12,085,154
86$20,270,579$2,140,185$762,712$13,210,595
87$22,273,359$2,180,235$723,444$14,448,667
88$24,478,382$2,220,207$680,819$15,810,837
89$26,906,210$2,260,030$634,660$17,309,743
90$29,579,505$2,299,633$584,783$18,959,311
91$32,523,235$2,338,935$530,993$20,774,891
92$35,764,913$2,377,852$473,090$22,773,400
93$39,334,859$2,416,291$410,863$24,973,480
94$43,266,480$2,454,155$344,092$27,395,679
95$47,596,589$2,491,337$272,548$30,062,640
96$52,365,753$2,527,724$195,990$32,999,321
97$57,618,672$2,563,195$114,168$36,233,224
98$63,404,605$2,597,619$26,820$39,794,661
99$69,777,831$2,630,859$0$43,717,038
100$76,798,163$2,662,765$0$48,051,341