Can I retire at age 52 with 937,000?

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 $937,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.7%
1 years$77,377$76,687$76,015$75,359$74,718$73,269
2 years$38,305$37,592$36,900$36,230$35,580$34,126
3 years$25,283$24,567$23,877$23,213$22,573$21,160
4 years$18,773$18,059$17,376$16,724$16,099$14,737
5 years$14,869$14,159$13,485$12,845$12,239$10,932
6 years$12,266$11,562$10,898$10,273$9,684$8,434
7 years$10,408$9,709$9,056$8,446$7,876$6,682
8 years$9,015$8,323$7,680$7,085$6,534$5,397
9 years$7,932$7,246$6,615$6,035$5,502$4,421
10 years$7,067$6,387$5,767$5,202$4,688$3,662
11 years$6,359$5,686$5,077$4,527$4,032$3,059
12 years$5,769$5,104$4,506$3,971$3,494$2,574
13 years$5,271$4,612$4,026$3,506$3,047$2,177
14 years$4,844$4,192$3,617$3,112$2,671$1,850
15 years$4,474$3,830$3,266$2,775$2,352$1,578
16 years$4,151$3,514$2,961$2,485$2,078$1,351
17 years$3,866$3,236$2,694$2,233$1,843$1,159
18 years$3,614$2,990$2,460$2,012$1,639$997
19 years$3,388$2,771$2,252$1,818$1,460$859
20 years$3,185$2,575$2,066$1,647$1,305$741
21 years$3,001$2,399$1,901$1,495$1,167$640
22 years$2,834$2,239$1,752$1,359$1,046$554
23 years$2,682$2,094$1,617$1,238$939$480
24 years$2,543$1,962$1,496$1,129$844$416
25 years$2,416$1,841$1,386$1,031$760$361
26 years$2,298$1,731$1,285$943$684$313
27 years$2,189$1,629$1,193$863$617$272
28 years$2,088$1,535$1,109$790$557$237
29 years$1,995$1,448$1,032$725$503$206
30 years$1,907$1,367$962$665$454$179
31 years$1,826$1,293$896$611$411$156
32 years$1,750$1,223$836$561$371$135
33 years$1,678$1,158$781$516$336$118
34 years$1,611$1,098$730$475$304$103
35 years$1,548$1,041$682$437$276$89
36 years$1,488$988$638$403$250$78
37 years$1,432$939$597$371$226$68
38 years$1,379$892$559$342$205$59
39 years$1,329$848$524$315$186$51
40 years$1,281$807$491$291$169$45
41 years$1,236$768$461$268$153$39
42 years$1,193$732$432$248$139$34
43 years$1,152$697$405$229$126$30
44 years$1,113$664$381$211$114$26
45 years$1,076$634$357$195$104$23
46 years$1,041$604$336$180$94$20
47 years$1,007$577$315$166$86$17
48 years$975$551$296$154$78$15
49 years$944$526$278$142$71$13
50 years$915$502$262$131$64$11

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $937,000, adding $2,480 every year, while hoping to spend $33,387 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: 59/27/14 Blend
51$937,000$937,000$937,000$937,000
52$1,035,132$985,471$970,948$1,092,424
53$1,105,192$998,236$967,951$1,144,131
54$1,181,279$1,010,507$963,735$1,196,554
55$1,263,973$1,022,225$958,223$1,252,932
56$1,353,911$1,033,327$951,336$1,313,649
57$1,451,794$1,043,744$942,991$1,379,129
58$1,558,395$1,053,405$933,099$1,449,843
59$1,674,562$1,062,233$921,568$1,526,307
60$1,801,231$1,070,146$908,304$1,609,091
61$1,939,430$1,077,056$893,205$1,698,826
62$2,090,290$1,082,871$876,166$1,796,207
63$2,255,059$1,087,491$857,078$1,901,998
64$2,435,109$1,090,812$835,823$2,017,047
65$2,631,950$1,092,721$812,283$2,142,287
66$2,847,245$1,093,101$786,331$2,278,747
67$3,082,826$1,091,824$757,835$2,427,563
68$3,340,708$1,088,758$726,656$2,589,988
69$3,623,113$1,083,759$692,651$2,767,405
70$3,932,484$1,076,678$655,670$2,961,339
71$4,271,516$1,067,353$615,553$3,173,474
72$4,643,174$1,055,617$572,137$3,405,665
73$5,050,723$1,041,288$525,249$3,659,960
74$5,497,762$1,024,176$474,710$3,938,620
75$5,988,253$1,004,079$420,332$4,244,134
76$6,526,560$980,784$361,918$4,579,254
77$7,117,490$954,064$299,264$4,947,010
78$7,766,340$923,679$232,155$5,350,747
79$8,478,943$889,375$160,368$5,794,154
80$9,261,725$850,884$83,671$6,281,300
81$10,121,765$807,922$1,818$6,816,672
82$11,066,863$760,189$0$7,405,219
83$12,105,611$707,365$0$8,065,175
84$13,247,473$649,116$0$8,790,905
85$14,502,879$585,086$0$9,588,814
86$15,883,317$514,900$0$10,466,268
87$17,401,446$438,161$0$11,431,383
88$19,071,212$354,449$0$12,493,108
89$20,907,981$263,323$0$13,661,308
90$22,928,683$164,313$0$14,946,858
91$25,151,972$56,927$0$16,361,745
92$27,598,399$0$0$17,919,186
93$30,290,611$0$0$19,651,383
94$33,253,560$0$0$21,576,480
95$36,514,739$0$0$23,695,437
96$40,104,441$0$0$26,027,949
97$44,056,047$0$0$28,595,719
98$48,406,337$0$0$31,422,658
99$53,195,838$0$0$34,535,116
100$58,469,208$0$0$37,962,125