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%12.5%
1 years$77,129$76,442$75,772$75,117$74,478$73,701
2 years$38,183$37,471$36,782$36,114$35,466$34,683
3 years$25,202$24,488$23,801$23,139$22,501$21,737
4 years$18,713$18,001$17,321$16,670$16,048$15,308
5 years$14,821$14,113$13,442$12,804$12,199$11,487
6 years$12,227$11,525$10,863$10,240$9,653$8,968
7 years$10,375$9,678$9,027$8,419$7,850$7,193
8 years$8,986$8,296$7,656$7,062$6,513$5,884
9 years$7,907$7,223$6,594$6,015$5,485$4,883
10 years$7,044$6,367$5,749$5,185$4,673$4,099
11 years$6,338$5,668$5,061$4,513$4,019$3,472
12 years$5,751$5,087$4,492$3,958$3,483$2,962
13 years$5,254$4,597$4,013$3,495$3,037$2,542
14 years$4,828$4,179$3,606$3,102$2,662$2,193
15 years$4,460$3,818$3,255$2,767$2,344$1,899
16 years$4,138$3,503$2,951$2,477$2,072$1,650
17 years$3,854$3,226$2,686$2,226$1,837$1,438
18 years$3,602$2,981$2,452$2,006$1,633$1,257
19 years$3,377$2,763$2,244$1,812$1,456$1,100
20 years$3,174$2,567$2,060$1,641$1,300$965
21 years$2,991$2,391$1,895$1,490$1,164$848
22 years$2,825$2,232$1,746$1,355$1,043$746
23 years$2,674$2,088$1,612$1,234$936$657
24 years$2,535$1,956$1,491$1,125$842$580
25 years$2,408$1,836$1,381$1,028$757$512
26 years$2,291$1,725$1,281$940$682$452
27 years$2,182$1,624$1,189$860$615$400
28 years$2,082$1,530$1,106$788$555$354
29 years$1,988$1,443$1,029$723$501$313
30 years$1,901$1,363$958$663$453$277
31 years$1,820$1,288$894$609$409$246
32 years$1,744$1,219$834$560$370$218
33 years$1,673$1,155$778$515$335$193
34 years$1,606$1,094$727$474$303$171
35 years$1,543$1,038$680$436$275$152
36 years$1,483$985$636$401$249$135
37 years$1,427$936$595$370$226$119
38 years$1,374$889$558$341$205$106
39 years$1,324$846$522$314$186$94
40 years$1,277$804$490$290$168$84
41 years$1,232$766$459$268$153$74
42 years$1,189$729$431$247$139$66
43 years$1,148$695$404$228$126$59
44 years$1,110$662$379$210$114$52
45 years$1,073$632$356$194$104$46
46 years$1,038$603$335$180$94$41
47 years$1,004$575$314$166$85$36
48 years$972$549$295$153$78$32
49 years$941$524$278$142$70$29
50 years$912$501$261$131$64$26

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $934,000, adding $3,411 every year, while hoping to spend $35,634 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: 71/21/8 Blend
51$934,000$934,000$934,000$934,000
52$1,032,786$983,284$968,807$1,104,481
53$1,100,216$993,551$963,348$1,162,588
54$1,173,330$1,003,126$956,512$1,221,439
55$1,252,669$1,011,939$948,214$1,284,876
56$1,338,830$1,019,913$938,368$1,353,341
57$1,432,469$1,026,967$926,882$1,427,322
58$1,534,306$1,033,014$913,658$1,507,356
59$1,645,137$1,037,963$898,597$1,594,037
60$1,765,834$1,041,716$881,593$1,688,016
61$1,897,358$1,044,169$862,535$1,790,014
62$2,040,766$1,045,211$841,308$1,900,825
63$2,197,224$1,044,726$817,791$2,021,324
64$2,368,012$1,042,589$791,858$2,152,476
65$2,554,540$1,038,667$763,377$2,295,344
66$2,758,361$1,032,819$732,208$2,451,101
67$2,981,185$1,024,898$698,208$2,621,039
68$3,224,893$1,014,746$661,225$2,806,584
69$3,491,557$1,002,194$621,101$3,009,308
70$3,783,460$987,065$577,672$3,230,942
71$4,103,113$969,171$530,764$3,473,398
72$4,453,284$948,314$480,198$3,738,781
73$4,837,019$924,281$425,785$4,029,414
74$5,257,674$896,851$367,328$4,347,857
75$5,718,946$865,785$304,622$4,696,933
76$6,224,904$830,835$237,453$5,079,754
77$6,780,033$791,734$165,597$5,499,751
78$7,389,271$748,204$88,819$5,960,709
79$8,058,058$699,947$6,875$6,466,797
80$8,792,386$646,651$0$7,022,615
81$9,598,857$587,984$0$7,640,110
82$10,484,742$523,596$0$8,319,067
83$11,458,051$453,118$0$9,065,086
84$12,527,609$376,158$0$9,884,984
85$13,703,138$292,303$0$10,786,278
86$14,995,350$201,117$0$11,777,252
87$16,416,043$102,140$0$12,867,036
88$17,978,220$0$0$14,065,696
89$19,696,202$0$0$15,385,507
90$21,585,770$0$0$16,863,150
91$23,664,312$0$0$18,488,624
92$25,950,984$0$0$20,276,917
93$28,466,894$0$0$22,244,544
94$31,235,297$0$0$24,409,700
95$34,281,817$0$0$26,792,432
96$37,634,689$0$0$29,414,830
97$41,325,023$0$0$32,301,234
98$45,387,095$0$0$35,478,464
99$49,858,676$0$0$38,976,069
100$54,781,386$0$0$42,826,613