Can I retire at age 52 with 935,000?

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 $935,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.1%
1 years$77,211$76,524$75,853$75,198$74,558$71,827
2 years$38,223$37,512$36,822$36,153$35,504$32,783
3 years$25,229$24,514$23,826$23,163$22,525$19,900
4 years$18,733$18,021$17,339$16,688$16,065$13,555
5 years$14,837$14,128$13,456$12,818$12,212$9,825
6 years$12,240$11,537$10,874$10,251$9,663$7,399
7 years$10,386$9,689$9,037$8,428$7,859$5,718
8 years$8,996$8,305$7,664$7,070$6,520$4,500
9 years$7,915$7,231$6,601$6,022$5,491$3,590
10 years$7,051$6,374$5,755$5,191$4,678$2,893
11 years$6,345$5,674$5,066$4,518$4,023$2,349
12 years$5,757$5,093$4,496$3,963$3,487$1,920
13 years$5,260$4,602$4,017$3,498$3,040$1,577
14 years$4,834$4,183$3,609$3,105$2,665$1,300
15 years$4,465$3,822$3,259$2,769$2,347$1,075
16 years$4,142$3,506$2,955$2,480$2,074$891
17 years$3,858$3,229$2,689$2,228$1,839$741
18 years$3,606$2,984$2,454$2,008$1,635$617
19 years$3,380$2,765$2,247$1,814$1,457$514
20 years$3,178$2,570$2,062$1,643$1,302$429
21 years$2,995$2,394$1,897$1,491$1,165$358
22 years$2,828$2,234$1,748$1,356$1,044$300
23 years$2,677$2,090$1,614$1,235$937$251
24 years$2,538$1,958$1,493$1,126$842$210
25 years$2,411$1,837$1,383$1,029$758$176
26 years$2,293$1,727$1,282$941$683$147
27 years$2,185$1,625$1,191$861$616$123
28 years$2,084$1,531$1,107$789$556$104
29 years$1,990$1,445$1,030$723$502$87
30 years$1,903$1,364$959$664$453$73
31 years$1,822$1,290$894$610$410$61
32 years$1,746$1,220$835$560$371$51
33 years$1,674$1,156$779$515$335$43
34 years$1,607$1,095$728$474$304$36
35 years$1,544$1,039$681$436$275$30
36 years$1,485$986$637$402$249$25
37 years$1,429$937$596$370$226$21
38 years$1,376$890$558$341$205$18
39 years$1,326$846$523$315$186$15
40 years$1,278$805$490$290$168$13
41 years$1,233$767$460$268$153$11
42 years$1,190$730$431$247$139$9
43 years$1,150$696$405$228$126$7
44 years$1,111$663$380$211$114$6
45 years$1,074$632$357$195$104$5
46 years$1,039$603$335$180$94$4
47 years$1,005$576$315$166$86$4
48 years$973$549$296$153$78$3
49 years$942$525$278$142$71$3
50 years$913$501$261$131$64$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $935,000, adding $6,839 every year, while hoping to spend $28,263 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: 55/22/23 Blend
51$935,000$935,000$935,000$935,000
52$1,037,424$987,869$973,377$1,087,614
53$1,113,170$1,006,203$975,913$1,141,126
54$1,195,695$1,024,489$977,588$1,195,833
55$1,285,659$1,042,692$978,341$1,254,814
56$1,383,793$1,060,781$978,111$1,318,487
57$1,490,896$1,078,715$976,835$1,387,316
58$1,607,852$1,096,457$974,443$1,461,808
59$1,735,631$1,113,961$970,865$1,542,527
60$1,875,302$1,131,182$966,026$1,630,091
61$2,028,043$1,148,070$959,848$1,725,184
62$2,195,150$1,164,572$952,249$1,828,559
63$2,378,049$1,180,630$943,143$1,941,049
64$2,578,312$1,196,183$932,440$2,063,570
65$2,797,669$1,211,165$920,047$2,197,134
66$3,038,027$1,225,508$905,864$2,342,856
67$3,301,484$1,239,135$889,788$2,501,966
68$3,590,351$1,251,969$871,711$2,675,822
69$3,907,173$1,263,922$851,521$2,865,920
70$4,254,756$1,274,906$829,098$3,073,911
71$4,636,188$1,284,822$804,319$3,301,615
72$5,054,870$1,293,569$777,055$3,551,040
73$5,514,550$1,301,038$747,169$3,824,399
74$6,019,356$1,307,110$714,522$4,124,134
75$6,573,835$1,311,664$678,963$4,452,938
76$7,182,998$1,314,566$640,339$4,813,780
77$7,852,361$1,315,678$598,489$5,209,933
78$8,588,006$1,314,850$553,242$5,645,010
79$9,396,629$1,311,925$504,422$6,122,990
80$10,285,611$1,306,735$451,846$6,648,265
81$11,263,080$1,299,102$395,320$7,225,674
82$12,337,994$1,288,837$334,643$7,860,556
83$13,520,221$1,275,741$269,604$8,558,795
84$14,820,632$1,259,602$199,985$9,326,880
85$16,251,209$1,240,194$125,556$10,171,966
86$17,825,148$1,217,280$46,079$11,101,941
87$19,556,993$1,190,607$0$12,125,501
88$21,462,768$1,159,907$0$13,261,743
89$23,560,126$1,124,899$0$14,524,415
90$25,868,523$1,085,283$0$15,913,920
91$28,409,391$1,040,740$0$17,443,174
92$31,206,350$990,938$0$19,126,415
93$34,285,423$935,519$0$20,979,334
94$37,675,287$874,110$0$23,019,224
95$41,407,538$806,314$0$25,265,144
96$45,516,994$731,711$0$27,738,100
97$50,042,021$649,857$0$30,461,242
98$55,024,892$560,285$0$33,460,084
99$60,512,191$462,500$0$36,762,746
100$66,555,250$355,978$0$40,400,217