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%11.4%
1 years$77,211$76,524$75,853$75,198$74,558$74,119
2 years$38,223$37,512$36,822$36,153$35,504$35,061
3 years$25,229$24,514$23,826$23,163$22,525$22,092
4 years$18,733$18,021$17,339$16,688$16,065$15,645
5 years$14,837$14,128$13,456$12,818$12,212$11,807
6 years$12,240$11,537$10,874$10,251$9,663$9,273
7 years$10,386$9,689$9,037$8,428$7,859$7,483
8 years$8,996$8,305$7,664$7,070$6,520$6,159
9 years$7,915$7,231$6,601$6,022$5,491$5,145
10 years$7,051$6,374$5,755$5,191$4,678$4,348
11 years$6,345$5,674$5,066$4,518$4,023$3,708
12 years$5,757$5,093$4,496$3,963$3,487$3,185
13 years$5,260$4,602$4,017$3,498$3,040$2,753
14 years$4,834$4,183$3,609$3,105$2,665$2,392
15 years$4,465$3,822$3,259$2,769$2,347$2,086
16 years$4,142$3,506$2,955$2,480$2,074$1,827
17 years$3,858$3,229$2,689$2,228$1,839$1,604
18 years$3,606$2,984$2,454$2,008$1,635$1,413
19 years$3,380$2,765$2,247$1,814$1,457$1,247
20 years$3,178$2,570$2,062$1,643$1,302$1,103
21 years$2,995$2,394$1,897$1,491$1,165$977
22 years$2,828$2,234$1,748$1,356$1,044$866
23 years$2,677$2,090$1,614$1,235$937$770
24 years$2,538$1,958$1,493$1,126$842$685
25 years$2,411$1,837$1,383$1,029$758$609
26 years$2,293$1,727$1,282$941$683$543
27 years$2,185$1,625$1,191$861$616$484
28 years$2,084$1,531$1,107$789$556$432
29 years$1,990$1,445$1,030$723$502$386
30 years$1,903$1,364$959$664$453$345
31 years$1,822$1,290$894$610$410$308
32 years$1,746$1,220$835$560$371$276
33 years$1,674$1,156$779$515$335$247
34 years$1,607$1,095$728$474$304$221
35 years$1,544$1,039$681$436$275$198
36 years$1,485$986$637$402$249$177
37 years$1,429$937$596$370$226$159
38 years$1,376$890$558$341$205$142
39 years$1,326$846$523$315$186$127
40 years$1,278$805$490$290$168$114
41 years$1,233$767$460$268$153$102
42 years$1,190$730$431$247$139$92
43 years$1,150$696$405$228$126$82
44 years$1,111$663$380$211$114$74
45 years$1,074$632$357$195$104$66
46 years$1,039$603$335$180$94$59
47 years$1,005$576$315$166$86$53
48 years$973$549$296$153$78$48
49 years$942$525$278$142$71$43
50 years$913$501$261$131$64$38

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $935,000, adding $4,186 every year, while hoping to spend $52,520 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: 55/38/7 Blend
51$935,000$935,000$935,000$935,000
52$1,034,688$985,133$970,640$1,089,706
53$1,084,345$977,523$947,276$1,119,719
54$1,137,307$967,781$921,369$1,146,197
55$1,193,856$955,745$892,778$1,173,745
56$1,254,299$941,247$861,356$1,202,472
57$1,318,976$924,107$826,950$1,232,500
58$1,388,258$904,134$789,398$1,263,967
59$1,462,550$881,126$748,533$1,297,026
60$1,542,300$854,872$704,179$1,331,851
61$1,627,997$825,143$656,152$1,368,636
62$1,720,180$791,702$604,260$1,407,598
63$1,819,438$754,295$548,302$1,448,978
64$1,926,421$712,655$488,070$1,493,049
65$2,041,839$666,499$423,344$1,540,114
66$2,166,477$615,527$353,896$1,590,511
67$2,301,193$559,424$279,487$1,644,618
68$2,446,932$497,854$199,868$1,702,857
69$2,604,735$430,464$114,779$1,765,698
70$2,775,742$356,880$23,948$1,833,665
71$2,961,209$276,709$0$1,907,342
72$3,162,518$189,533$0$1,992,829
73$3,381,187$94,913$0$2,087,662
74$3,618,887$0$0$2,190,877
75$3,877,456$0$0$2,306,578
76$4,158,917$0$0$2,475,800
77$4,465,495$0$0$2,660,201
78$4,799,638$0$0$2,861,266
79$5,164,042$0$0$3,080,626
80$5,561,673$0$0$3,320,077
81$5,995,795$0$0$3,581,596
82$6,470,002$0$0$3,867,361
83$6,988,252$0$0$4,179,768
84$7,554,900$0$0$4,521,455
85$8,174,743$0$0$4,895,328
86$8,853,060$0$0$5,304,586
87$9,595,668$0$0$5,752,751
88$10,408,968$0$0$6,243,702
89$11,300,014$0$0$6,781,712
90$12,276,570$0$0$7,371,485
91$13,347,189$0$0$8,018,203
92$14,521,291$0$0$8,727,573
93$15,809,252$0$0$9,505,882
94$17,222,498$0$0$10,360,053
95$18,773,618$0$0$11,297,714
96$20,476,476$0$0$12,327,265
97$22,346,346$0$0$13,457,962
98$24,400,052$0$0$14,700,000
99$26,656,130$0$0$16,064,609
100$29,134,997$0$0$17,564,163