Can I retire at age 52 with 935,000?

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 $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%13.6%
1 years$77,211$76,524$75,853$75,198$74,558$73,444
2 years$38,223$37,512$36,822$36,153$35,504$34,384
3 years$25,229$24,514$23,826$23,163$22,525$21,434
4 years$18,733$18,021$17,339$16,688$16,065$15,012
5 years$14,837$14,128$13,456$12,818$12,212$11,199
6 years$12,240$11,537$10,874$10,251$9,663$8,692
7 years$10,386$9,689$9,037$8,428$7,859$6,929
8 years$8,996$8,305$7,664$7,070$6,520$5,632
9 years$7,915$7,231$6,601$6,022$5,491$4,644
10 years$7,051$6,374$5,755$5,191$4,678$3,873
11 years$6,345$5,674$5,066$4,518$4,023$3,258
12 years$5,757$5,093$4,496$3,963$3,487$2,760
13 years$5,260$4,602$4,017$3,498$3,040$2,352
14 years$4,834$4,183$3,609$3,105$2,665$2,014
15 years$4,465$3,822$3,259$2,769$2,347$1,731
16 years$4,142$3,506$2,955$2,480$2,074$1,493
17 years$3,858$3,229$2,689$2,228$1,839$1,291
18 years$3,606$2,984$2,454$2,008$1,635$1,119
19 years$3,380$2,765$2,247$1,814$1,457$972
20 years$3,178$2,570$2,062$1,643$1,302$846
21 years$2,995$2,394$1,897$1,491$1,165$737
22 years$2,828$2,234$1,748$1,356$1,044$643
23 years$2,677$2,090$1,614$1,235$937$562
24 years$2,538$1,958$1,493$1,126$842$491
25 years$2,411$1,837$1,383$1,029$758$430
26 years$2,293$1,727$1,282$941$683$376
27 years$2,185$1,625$1,191$861$616$330
28 years$2,084$1,531$1,107$789$556$289
29 years$1,990$1,445$1,030$723$502$254
30 years$1,903$1,364$959$664$453$223
31 years$1,822$1,290$894$610$410$196
32 years$1,746$1,220$835$560$371$172
33 years$1,674$1,156$779$515$335$151
34 years$1,607$1,095$728$474$304$133
35 years$1,544$1,039$681$436$275$116
36 years$1,485$986$637$402$249$102
37 years$1,429$937$596$370$226$90
38 years$1,376$890$558$341$205$79
39 years$1,326$846$523$315$186$70
40 years$1,278$805$490$290$168$61
41 years$1,233$767$460$268$153$54
42 years$1,190$730$431$247$139$47
43 years$1,150$696$405$228$126$42
44 years$1,111$663$380$211$114$37
45 years$1,074$632$357$195$104$32
46 years$1,039$603$335$180$94$28
47 years$1,005$576$315$166$86$25
48 years$973$549$296$153$78$22
49 years$942$525$278$142$71$19
50 years$913$501$261$131$64$17

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $935,000, adding $4,745 every year, while hoping to spend $31,553 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: 62/17/21 Blend
51$935,000$935,000$935,000$935,000
52$1,035,264$985,709$971,217$1,093,519
53$1,107,289$1,000,437$970,181$1,148,154
54$1,185,603$1,014,829$968,052$1,203,849
55$1,270,814$1,028,835$964,761$1,263,938
56$1,363,591$1,042,402$960,235$1,328,853
57$1,464,671$1,055,474$954,397$1,399,070
58$1,574,864$1,067,988$947,165$1,475,114
59$1,695,062$1,079,881$938,457$1,557,566
60$1,826,246$1,091,083$928,183$1,647,064
61$1,969,497$1,101,520$916,251$1,744,314
62$2,126,004$1,111,113$902,564$1,850,092
63$2,297,077$1,119,778$887,020$1,965,258
64$2,484,158$1,127,425$869,514$2,090,756
65$2,688,833$1,133,960$849,933$2,227,631
66$2,912,850$1,139,281$828,163$2,377,033
67$3,158,135$1,143,279$804,080$2,540,232
68$3,426,806$1,145,842$777,558$2,718,628
69$3,721,197$1,146,845$748,464$2,913,765
70$4,043,880$1,146,161$716,658$3,127,346
71$4,397,684$1,143,652$681,994$3,361,250
72$4,785,729$1,139,171$644,322$3,617,547
73$5,211,448$1,132,565$603,481$3,898,523
74$5,678,623$1,123,668$559,305$4,206,697
75$6,191,422$1,112,308$511,622$4,544,846
76$6,754,434$1,098,298$460,248$4,916,035
77$7,372,716$1,081,444$404,996$5,323,641
78$8,051,836$1,061,537$345,666$5,771,392
79$8,797,930$1,038,359$282,052$6,263,394
80$9,617,757$1,011,677$213,939$6,804,177
81$10,518,763$981,244$141,101$7,398,737
82$11,509,151$946,800$63,303$8,052,581
83$12,597,960$908,068$0$8,771,781
84$13,795,145$864,758$0$9,567,452
85$15,111,678$816,559$0$10,457,982
86$16,559,644$763,145$0$11,437,370
87$18,152,360$704,171$0$12,514,653
88$19,904,497$639,272$0$13,699,789
89$21,832,221$568,061$0$15,003,755
90$23,953,343$490,131$0$16,438,646
91$26,287,487$405,051$0$18,017,793
92$28,856,278$312,366$0$19,755,890
93$31,683,541$211,594$0$21,669,128
94$34,795,528$102,229$0$23,775,352
95$38,221,166$0$0$26,094,232
96$41,992,329$0$0$28,650,485
97$46,144,138$0$0$31,485,895
98$50,715,291$0$0$34,607,779
99$55,748,433$0$0$38,045,270
100$61,290,550$0$0$41,830,472