Can I retire at age 52 with 936,000?

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 $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%16.4%
1 years$77,294$76,606$75,934$75,278$74,638$72,686
2 years$38,264$37,552$36,861$36,191$35,542$33,589
3 years$25,256$24,540$23,852$23,188$22,549$20,656
4 years$18,753$18,040$17,358$16,706$16,082$14,263
5 years$14,853$14,143$13,470$12,832$12,226$10,486
6 years$12,253$11,549$10,886$10,262$9,674$8,015
7 years$10,397$9,699$9,046$8,437$7,867$6,290
8 years$9,006$8,314$7,672$7,077$6,527$5,030
9 years$7,924$7,239$6,608$6,028$5,496$4,079
10 years$7,059$6,381$5,761$5,196$4,683$3,343
11 years$6,352$5,680$5,072$4,522$4,028$2,763
12 years$5,763$5,098$4,501$3,967$3,490$2,298
13 years$5,265$4,607$4,021$3,502$3,044$1,922
14 years$4,839$4,188$3,613$3,109$2,668$1,615
15 years$4,470$3,826$3,262$2,772$2,349$1,361
16 years$4,147$3,510$2,958$2,482$2,076$1,151
17 years$3,862$3,233$2,691$2,230$1,841$976
18 years$3,610$2,987$2,457$2,010$1,637$829
19 years$3,384$2,768$2,249$1,816$1,459$705
20 years$3,181$2,573$2,064$1,645$1,303$601
21 years$2,998$2,396$1,899$1,493$1,166$512
22 years$2,831$2,237$1,750$1,357$1,045$438
23 years$2,680$2,092$1,616$1,236$938$374
24 years$2,541$1,960$1,494$1,128$843$320
25 years$2,413$1,839$1,384$1,030$759$274
26 years$2,296$1,729$1,284$942$684$234
27 years$2,187$1,627$1,192$862$616$201
28 years$2,086$1,533$1,108$790$556$172
29 years$1,993$1,446$1,031$724$502$148
30 years$1,905$1,366$960$665$454$127
31 years$1,824$1,291$895$610$410$109
32 years$1,748$1,222$835$561$371$93
33 years$1,676$1,157$780$516$336$80
34 years$1,609$1,097$729$475$304$69
35 years$1,546$1,040$681$437$275$59
36 years$1,487$987$637$402$250$51
37 years$1,430$938$597$371$226$43
38 years$1,377$891$559$342$205$37
39 years$1,327$847$523$315$186$32
40 years$1,280$806$491$291$169$27
41 years$1,235$767$460$268$153$24
42 years$1,192$731$432$247$139$20
43 years$1,151$696$405$228$126$17
44 years$1,112$664$380$211$114$15
45 years$1,075$633$357$195$104$13
46 years$1,040$604$335$180$94$11
47 years$1,006$576$315$166$86$9
48 years$974$550$296$154$78$8
49 years$943$525$278$142$71$7
50 years$914$502$262$131$64$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $936,000, adding $5,132 every year, while hoping to spend $31,706 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: 34/48/18 Blend
51$936,000$936,000$936,000$936,000
52$1,036,766$987,158$972,650$1,066,111
53$1,108,781$1,001,793$971,498$1,102,756
54$1,187,079$1,016,084$969,246$1,138,937
55$1,272,267$1,029,978$965,822$1,177,285
56$1,365,014$1,043,423$961,153$1,218,009
57$1,466,055$1,056,360$955,161$1,261,341
58$1,576,199$1,068,728$947,765$1,307,539
59$1,696,337$1,080,461$938,881$1,356,887
60$1,827,448$1,091,489$928,419$1,409,701
61$1,970,613$1,101,737$916,286$1,466,330
62$2,127,019$1,111,125$902,385$1,527,160
63$2,297,974$1,119,569$886,613$1,592,621
64$2,484,916$1,126,977$868,864$1,663,187
65$2,689,433$1,133,254$849,026$1,739,381
66$2,913,268$1,138,296$826,981$1,821,784
67$3,158,343$1,141,996$802,607$1,911,040
68$3,426,777$1,144,236$775,777$2,007,858
69$3,720,898$1,144,893$746,356$2,113,026
70$4,043,274$1,143,838$714,203$2,227,413
71$4,396,732$1,140,930$679,173$2,351,982
72$4,784,386$1,136,023$641,113$2,487,796
73$5,209,665$1,128,959$599,861$2,636,032
74$5,676,347$1,119,574$555,252$2,797,991
75$6,188,592$1,107,690$507,111$2,975,110
76$6,750,983$1,093,122$455,254$3,168,980
77$7,368,570$1,075,672$399,491$3,381,356
78$8,046,913$1,055,129$339,624$3,614,181
79$8,792,140$1,031,272$275,443$3,869,599
80$9,611,001$1,003,867$206,733$4,149,981
81$10,510,930$972,663$133,265$4,457,945
82$11,500,119$937,398$54,804$4,796,385
83$12,587,594$897,793$0$5,168,495
84$13,783,296$853,553$0$5,583,360
85$15,098,181$804,366$0$6,050,916
86$16,544,317$749,902$0$6,564,981
87$18,135,003$689,811$0$7,130,362
88$19,884,887$623,727$0$7,752,362
89$21,810,114$551,257$0$8,436,833
90$23,928,468$471,991$0$9,190,231
91$26,259,546$385,493$0$10,019,678
92$28,824,941$291,304$0$10,933,034
93$31,648,445$188,938$0$11,938,966
94$34,756,272$77,881$0$13,047,040
95$38,177,307$0$0$14,267,804
96$41,943,378$0$0$15,635,295
97$46,089,556$0$0$17,186,264
98$50,654,486$0$0$18,894,050
99$55,680,747$0$0$20,774,607
100$61,215,261$0$0$22,845,512