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%16.1%
1 years$77,129$76,442$75,772$75,117$74,478$72,619
2 years$38,183$37,471$36,782$36,114$35,466$33,604
3 years$25,202$24,488$23,801$23,139$22,501$20,696
4 years$18,713$18,001$17,321$16,670$16,048$14,312
5 years$14,821$14,113$13,442$12,804$12,199$10,539
6 years$12,227$11,525$10,863$10,240$9,653$8,069
7 years$10,375$9,678$9,027$8,419$7,850$6,343
8 years$8,986$8,296$7,656$7,062$6,513$5,081
9 years$7,907$7,223$6,594$6,015$5,485$4,128
10 years$7,044$6,367$5,749$5,185$4,673$3,389
11 years$6,338$5,668$5,061$4,513$4,019$2,806
12 years$5,751$5,087$4,492$3,958$3,483$2,339
13 years$5,254$4,597$4,013$3,495$3,037$1,961
14 years$4,828$4,179$3,606$3,102$2,662$1,650
15 years$4,460$3,818$3,255$2,767$2,344$1,394
16 years$4,138$3,503$2,951$2,477$2,072$1,181
17 years$3,854$3,226$2,686$2,226$1,837$1,003
18 years$3,602$2,981$2,452$2,006$1,633$854
19 years$3,377$2,763$2,244$1,812$1,456$728
20 years$3,174$2,567$2,060$1,641$1,300$622
21 years$2,991$2,391$1,895$1,490$1,164$532
22 years$2,825$2,232$1,746$1,355$1,043$455
23 years$2,674$2,088$1,612$1,234$936$390
24 years$2,535$1,956$1,491$1,125$842$334
25 years$2,408$1,836$1,381$1,028$757$287
26 years$2,291$1,725$1,281$940$682$246
27 years$2,182$1,624$1,189$860$615$211
28 years$2,082$1,530$1,106$788$555$182
29 years$1,988$1,443$1,029$723$501$156
30 years$1,901$1,363$958$663$453$134
31 years$1,820$1,288$894$609$409$115
32 years$1,744$1,219$834$560$370$99
33 years$1,673$1,155$778$515$335$85
34 years$1,606$1,094$727$474$303$74
35 years$1,543$1,038$680$436$275$63
36 years$1,483$985$636$401$249$54
37 years$1,427$936$595$370$226$47
38 years$1,374$889$558$341$205$40
39 years$1,324$846$522$314$186$35
40 years$1,277$804$490$290$168$30
41 years$1,232$766$459$268$153$26
42 years$1,189$729$431$247$139$22
43 years$1,148$695$404$228$126$19
44 years$1,110$662$379$210$114$16
45 years$1,073$632$356$194$104$14
46 years$1,038$603$335$180$94$12
47 years$1,004$575$314$166$85$10
48 years$972$549$295$153$78$9
49 years$941$524$278$142$70$8
50 years$912$501$261$131$64$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $934,000, adding $5,453 every year, while hoping to spend $29,403 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: 49/34/17 Blend
51$934,000$934,000$934,000$934,000
52$1,034,893$985,391$970,914$1,080,449
53$1,109,167$1,002,390$972,155$1,129,506
54$1,190,032$1,019,237$972,452$1,179,304
55$1,278,129$1,035,894$971,743$1,232,764
56$1,374,163$1,052,317$969,961$1,290,241
57$1,478,911$1,068,464$967,038$1,352,127
58$1,593,228$1,084,287$962,902$1,418,852
59$1,718,054$1,099,734$957,476$1,490,895
60$1,854,426$1,114,751$950,681$1,568,781
61$2,003,483$1,129,279$942,435$1,653,090
62$2,166,480$1,143,256$932,649$1,744,463
63$2,344,801$1,156,616$921,232$1,843,606
64$2,539,967$1,169,286$908,090$1,951,299
65$2,753,654$1,181,191$893,121$2,068,402
66$2,987,706$1,192,249$876,220$2,195,864
67$3,244,158$1,202,375$857,279$2,334,732
68$3,525,246$1,211,475$836,182$2,486,164
69$3,833,436$1,219,452$812,809$2,651,432
70$4,171,443$1,226,202$787,034$2,831,945
71$4,542,256$1,231,612$758,726$3,029,254
72$4,949,171$1,235,566$727,748$3,245,071
73$5,395,814$1,237,936$693,955$3,481,286
74$5,886,183$1,238,591$657,198$3,739,984
75$6,424,679$1,237,387$617,320$4,023,462
76$7,016,151$1,234,174$574,156$4,334,257
77$7,665,943$1,228,794$527,534$4,675,166
78$8,379,940$1,221,075$477,277$5,049,277
79$9,164,624$1,210,838$423,196$5,459,993
80$10,027,139$1,197,892$365,096$5,911,068
81$10,975,353$1,182,035$302,773$6,406,644
82$12,017,937$1,163,052$236,014$6,951,289
83$13,164,442$1,140,718$164,596$7,550,041
84$14,425,392$1,114,790$88,287$8,208,455
85$15,812,382$1,085,014$6,844$8,932,659
86$17,338,186$1,051,120$0$9,729,410
87$19,016,879$1,012,823$0$10,620,686
88$20,863,970$969,821$0$11,602,449
89$22,896,547$921,795$0$12,682,569
90$25,133,437$868,404$0$13,871,091
91$27,595,385$809,294$0$15,179,091
92$30,305,249$744,084$0$16,618,775
93$33,288,217$672,376$0$18,203,601
94$36,572,039$593,747$0$19,948,403
95$40,187,297$507,751$0$21,869,535
96$44,167,686$413,915$0$23,985,024
97$48,550,335$311,742$0$26,314,739
98$53,376,157$200,705$0$28,880,585
99$58,690,234$80,249$0$31,706,707
100$64,542,242$0$0$34,819,719