Can I retire at age 52 with 936,000?

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 $936,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.2%
1 years$77,294$76,606$75,934$75,278$74,638$72,162
2 years$38,264$37,552$36,861$36,191$35,542$33,072
3 years$25,256$24,540$23,852$23,188$22,549$20,162
4 years$18,753$18,040$17,358$16,706$16,082$13,796
5 years$14,853$14,143$13,470$12,832$12,226$10,047
6 years$12,253$11,549$10,886$10,262$9,674$7,604
7 years$10,397$9,699$9,046$8,437$7,867$5,907
8 years$9,006$8,314$7,672$7,077$6,527$4,674
9 years$7,924$7,239$6,608$6,028$5,496$3,749
10 years$7,059$6,381$5,761$5,196$4,683$3,038
11 years$6,352$5,680$5,072$4,522$4,028$2,482
12 years$5,763$5,098$4,501$3,967$3,490$2,040
13 years$5,265$4,607$4,021$3,502$3,044$1,686
14 years$4,839$4,188$3,613$3,109$2,668$1,399
15 years$4,470$3,826$3,262$2,772$2,349$1,164
16 years$4,147$3,510$2,958$2,482$2,076$972
17 years$3,862$3,233$2,691$2,230$1,841$813
18 years$3,610$2,987$2,457$2,010$1,637$681
19 years$3,384$2,768$2,249$1,816$1,459$572
20 years$3,181$2,573$2,064$1,645$1,303$480
21 years$2,998$2,396$1,899$1,493$1,166$404
22 years$2,831$2,237$1,750$1,357$1,045$340
23 years$2,680$2,092$1,616$1,236$938$287
24 years$2,541$1,960$1,494$1,128$843$242
25 years$2,413$1,839$1,384$1,030$759$204
26 years$2,296$1,729$1,284$942$684$172
27 years$2,187$1,627$1,192$862$616$145
28 years$2,086$1,533$1,108$790$556$123
29 years$1,993$1,446$1,031$724$502$104
30 years$1,905$1,366$960$665$454$88
31 years$1,824$1,291$895$610$410$74
32 years$1,748$1,222$835$561$371$63
33 years$1,676$1,157$780$516$336$53
34 years$1,609$1,097$729$475$304$45
35 years$1,546$1,040$681$437$275$38
36 years$1,487$987$637$402$250$32
37 years$1,430$938$597$371$226$27
38 years$1,377$891$559$342$205$23
39 years$1,327$847$523$315$186$19
40 years$1,280$806$491$291$169$16
41 years$1,235$767$460$268$153$14
42 years$1,192$731$432$247$139$12
43 years$1,151$696$405$228$126$10
44 years$1,112$664$380$211$114$8
45 years$1,075$633$357$195$104$7
46 years$1,040$604$335$180$94$6
47 years$1,006$576$315$166$86$5
48 years$974$550$296$154$78$4
49 years$943$525$278$142$71$4
50 years$914$502$262$131$64$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $936,000, adding $4,444 every year, while hoping to spend $25,559 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: 64/17/19 Blend
51$936,000$936,000$936,000$936,000
52$1,036,056$986,448$971,940$1,097,111
53$1,114,539$1,007,589$977,305$1,159,829
54$1,200,171$1,028,910$981,994$1,225,015
55$1,293,654$1,050,392$985,956$1,295,626
56$1,395,760$1,072,015$989,139$1,372,193
57$1,507,341$1,093,757$991,489$1,455,303
58$1,629,334$1,115,595$992,948$1,545,600
59$1,762,769$1,137,503$993,455$1,643,796
60$1,908,783$1,159,452$992,947$1,750,674
61$2,068,626$1,181,412$991,358$1,867,097
62$2,243,676$1,203,351$988,618$1,994,018
63$2,435,448$1,225,232$984,654$2,132,485
64$2,645,612$1,247,017$979,389$2,283,655
65$2,876,009$1,268,665$972,742$2,448,801
66$3,128,663$1,290,131$964,630$2,629,327
67$3,405,805$1,311,367$954,964$2,826,781
68$3,709,894$1,332,320$943,653$3,042,870
69$4,043,636$1,352,937$930,598$3,279,474
70$4,410,013$1,373,156$915,698$3,538,665
71$4,812,308$1,392,915$898,848$3,822,727
72$5,254,141$1,412,145$879,937$4,134,178
73$5,739,496$1,430,773$858,848$4,475,794
74$6,272,765$1,448,721$835,460$4,850,633
75$6,858,784$1,465,906$809,645$5,262,067
76$7,502,883$1,482,238$781,270$5,713,813
77$8,210,931$1,497,621$750,197$6,209,967
78$8,989,397$1,511,956$716,279$6,755,043
79$9,845,406$1,525,132$679,365$7,354,020
80$10,786,810$1,537,036$639,296$8,012,381
81$11,822,258$1,547,544$595,906$8,736,173
82$12,961,280$1,556,526$549,021$9,532,061
83$14,214,376$1,563,841$498,459$10,407,390
84$15,593,117$1,569,344$444,031$11,370,255
85$17,110,248$1,572,875$385,540$12,429,580
86$18,779,816$1,574,268$322,778$13,595,202
87$20,617,295$1,573,346$255,529$14,877,961
88$22,639,739$1,569,920$183,569$16,289,805
89$24,865,936$1,563,789$106,662$17,843,905
90$27,316,589$1,554,742$24,562$19,554,776
91$30,014,509$1,542,552$0$21,438,415
92$32,984,833$1,526,982$0$23,525,240
93$36,255,260$1,507,777$0$25,828,048
94$39,856,307$1,484,670$0$28,363,329
95$43,821,607$1,457,375$0$31,154,753
96$48,188,216$1,425,591$0$34,228,400
97$52,996,968$1,388,999$0$37,613,013
98$58,292,860$1,347,261$0$41,340,266
99$64,125,474$1,300,020$0$45,445,065
100$70,549,447$1,246,895$0$49,965,876