Can I retire at age 52 with 934,000?

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 $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%15.7%
1 years$77,129$76,442$75,772$75,117$74,478$72,737
2 years$38,183$37,471$36,782$36,114$35,466$33,721
3 years$25,202$24,488$23,801$23,139$22,501$20,808
4 years$18,713$18,001$17,321$16,670$16,048$14,419
5 years$14,821$14,113$13,442$12,804$12,199$10,640
6 years$12,227$11,525$10,863$10,240$9,653$8,164
7 years$10,375$9,678$9,027$8,419$7,850$6,432
8 years$8,986$8,296$7,656$7,062$6,513$5,164
9 years$7,907$7,223$6,594$6,015$5,485$4,206
10 years$7,044$6,367$5,749$5,185$4,673$3,462
11 years$6,338$5,668$5,061$4,513$4,019$2,874
12 years$5,751$5,087$4,492$3,958$3,483$2,402
13 years$5,254$4,597$4,013$3,495$3,037$2,018
14 years$4,828$4,179$3,606$3,102$2,662$1,704
15 years$4,460$3,818$3,255$2,767$2,344$1,443
16 years$4,138$3,503$2,951$2,477$2,072$1,226
17 years$3,854$3,226$2,686$2,226$1,837$1,045
18 years$3,602$2,981$2,452$2,006$1,633$892
19 years$3,377$2,763$2,244$1,812$1,456$763
20 years$3,174$2,567$2,060$1,641$1,300$653
21 years$2,991$2,391$1,895$1,490$1,164$560
22 years$2,825$2,232$1,746$1,355$1,043$481
23 years$2,674$2,088$1,612$1,234$936$413
24 years$2,535$1,956$1,491$1,125$842$356
25 years$2,408$1,836$1,381$1,028$757$306
26 years$2,291$1,725$1,281$940$682$264
27 years$2,182$1,624$1,189$860$615$227
28 years$2,082$1,530$1,106$788$555$196
29 years$1,988$1,443$1,029$723$501$169
30 years$1,901$1,363$958$663$453$146
31 years$1,820$1,288$894$609$409$126
32 years$1,744$1,219$834$560$370$108
33 years$1,673$1,155$778$515$335$94
34 years$1,606$1,094$727$474$303$81
35 years$1,543$1,038$680$436$275$70
36 years$1,483$985$636$401$249$60
37 years$1,427$936$595$370$226$52
38 years$1,374$889$558$341$205$45
39 years$1,324$846$522$314$186$39
40 years$1,277$804$490$290$168$34
41 years$1,232$766$459$268$153$29
42 years$1,189$729$431$247$139$25
43 years$1,148$695$404$228$126$22
44 years$1,110$662$379$210$114$19
45 years$1,073$632$356$194$104$16
46 years$1,038$603$335$180$94$14
47 years$1,004$575$314$166$85$12
48 years$972$549$295$153$78$10
49 years$941$524$278$142$70$9
50 years$912$501$261$131$64$8

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $934,000, adding $4,102 every year, while hoping to spend $53,591 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: 45/30/25 Blend
51$934,000$934,000$934,000$934,000
52$1,033,499$983,997$969,520$1,072,384
53$1,081,896$975,193$944,979$1,091,497
54$1,133,433$964,161$917,819$1,106,689
55$1,188,373$950,735$887,897$1,122,106
56$1,247,007$934,741$855,061$1,137,797
57$1,309,650$915,991$819,154$1,153,819
58$1,376,650$894,290$780,010$1,170,241
59$1,448,385$869,428$737,458$1,187,141
60$1,525,275$841,184$691,317$1,204,610
61$1,607,775$809,324$641,399$1,222,752
62$1,696,389$773,602$587,506$1,241,688
63$1,791,666$733,754$529,434$1,261,555
64$1,894,213$689,505$466,966$1,282,512
65$2,004,693$640,561$399,880$1,304,737
66$2,123,836$586,613$327,940$1,328,435
67$2,252,444$527,333$250,903$1,353,837
68$2,391,397$462,376$168,512$1,381,205
69$2,541,663$391,376$80,500$1,410,836
70$2,704,305$313,947$0$1,443,063
71$2,880,495$229,680$0$1,481,844
72$3,071,516$138,146$0$1,547,171
73$3,278,785$38,888$0$1,618,106
74$3,503,854$0$0$1,695,267
75$3,748,436$0$0$1,801,981
76$4,014,411$0$0$1,932,087
77$4,303,850$0$0$2,073,772
78$4,619,032$0$0$2,228,164
79$4,962,461$0$0$2,396,505
80$5,336,898$0$0$2,580,160
81$5,745,377$0$0$2,780,633
82$6,191,241$0$0$2,999,580
83$6,678,168$0$0$3,238,821
84$7,210,207$0$0$3,500,363
85$7,791,817$0$0$3,786,415
86$8,427,905$0$0$4,099,409
87$9,123,875$0$0$4,442,021
88$9,885,679$0$0$4,817,200
89$10,719,868$0$0$5,228,194
90$11,633,660$0$0$5,678,578
91$12,634,999$0$0$6,172,289
92$13,732,638$0$0$6,713,666
93$14,936,216$0$0$7,307,486
94$16,256,348$0$0$7,959,009
95$17,704,729$0$0$8,674,031
96$19,294,236$0$0$9,458,937
97$21,039,057$0$0$10,320,758
98$22,954,819$0$0$11,267,240
99$25,058,737$0$0$12,306,918
100$27,369,775$0$0$13,449,190