Can I retire at age 52 with 938,000?

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 $938,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.4%
1 years$77,459$76,769$76,096$75,439$74,797$72,259
2 years$38,346$37,632$36,940$36,269$35,618$33,085
3 years$25,310$24,593$23,903$23,238$22,597$20,151
4 years$18,793$18,078$17,395$16,741$16,117$13,775
5 years$14,884$14,174$13,499$12,859$12,252$10,021
6 years$12,279$11,574$10,909$10,283$9,694$7,576
7 years$10,419$9,720$9,066$8,455$7,884$5,878
8 years$9,025$8,332$7,688$7,092$6,541$4,646
9 years$7,941$7,254$6,622$6,041$5,508$3,722
10 years$7,074$6,394$5,773$5,208$4,693$3,012
11 years$6,365$5,692$5,083$4,532$4,036$2,458
12 years$5,775$5,109$4,511$3,975$3,498$2,018
13 years$5,276$4,617$4,030$3,510$3,050$1,665
14 years$4,849$4,197$3,621$3,115$2,674$1,379
15 years$4,479$3,834$3,269$2,778$2,354$1,146
16 years$4,156$3,518$2,964$2,488$2,081$955
17 years$3,871$3,240$2,697$2,235$1,845$798
18 years$3,618$2,993$2,462$2,014$1,640$668
19 years$3,391$2,774$2,254$1,820$1,462$560
20 years$3,188$2,578$2,069$1,649$1,306$470
21 years$3,004$2,401$1,903$1,496$1,169$394
22 years$2,837$2,242$1,754$1,360$1,048$332
23 years$2,685$2,096$1,619$1,239$940$279
24 years$2,546$1,964$1,497$1,130$845$235
25 years$2,418$1,843$1,387$1,032$761$198
26 years$2,300$1,732$1,286$944$685$167
27 years$2,192$1,630$1,194$864$618$141
28 years$2,091$1,536$1,110$791$557$118
29 years$1,997$1,449$1,033$726$503$100
30 years$1,909$1,369$963$666$455$84
31 years$1,828$1,294$897$612$411$71
32 years$1,751$1,224$837$562$372$60
33 years$1,680$1,159$782$517$337$51
34 years$1,613$1,099$730$476$305$43
35 years$1,549$1,042$683$438$276$36
36 years$1,490$989$639$403$250$30
37 years$1,434$940$598$371$227$26
38 years$1,380$893$560$342$205$22
39 years$1,330$849$525$316$186$18
40 years$1,282$808$492$291$169$15
41 years$1,237$769$461$269$153$13
42 years$1,194$732$432$248$139$11
43 years$1,153$698$406$229$126$9
44 years$1,114$665$381$211$115$8
45 years$1,077$634$358$195$104$7
46 years$1,042$605$336$180$94$6
47 years$1,008$577$316$167$86$5
48 years$976$551$297$154$78$4
49 years$945$526$279$142$71$3
50 years$916$503$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 $938,000, adding $3,240 every year, while hoping to spend $26,560 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: 49/34/17 Blend
51$938,000$938,000$938,000$938,000
52$1,037,018$987,304$972,765$1,082,769
53$1,114,534$1,007,422$977,093$1,134,848
54$1,199,067$1,027,636$980,676$1,188,397
55$1,291,304$1,047,922$983,460$1,245,994
56$1,392,002$1,068,255$985,391$1,308,029
57$1,501,994$1,088,608$986,410$1,374,931
58$1,622,197$1,108,950$986,454$1,447,174
59$1,753,622$1,129,249$985,461$1,525,281
60$1,897,379$1,149,470$983,363$1,609,829
61$2,054,695$1,169,577$980,088$1,701,451
62$2,226,915$1,189,527$975,562$1,800,850
63$2,415,525$1,209,279$969,708$1,908,797
64$2,622,159$1,228,784$962,444$2,026,144
65$2,848,618$1,247,994$953,685$2,153,830
66$3,096,884$1,266,852$943,340$2,292,891
67$3,369,142$1,285,303$931,317$2,444,469
68$3,667,795$1,303,284$917,517$2,609,823
69$3,995,493$1,320,728$901,837$2,790,343
70$4,355,155$1,337,565$884,170$2,987,560
71$4,749,993$1,353,719$864,403$3,203,162
72$5,183,550$1,369,108$842,417$3,439,013
73$5,659,725$1,383,647$818,091$3,697,165
74$6,182,814$1,397,243$791,294$3,979,884
75$6,757,551$1,409,798$761,893$4,289,666
76$7,389,150$1,421,207$729,745$4,629,265
77$8,083,356$1,431,358$694,704$5,001,718
78$8,846,496$1,440,133$656,614$5,410,371
79$9,685,544$1,447,405$615,316$5,858,918
80$10,608,181$1,453,039$570,641$6,351,428
81$11,622,871$1,456,893$522,413$6,892,390
82$12,738,937$1,458,815$470,447$7,486,752
83$13,966,654$1,458,642$414,553$8,139,971
84$15,317,341$1,456,204$354,529$8,858,063
85$16,803,470$1,451,318$290,166$9,647,661
86$18,438,783$1,443,791$221,245$10,516,077
87$20,238,420$1,433,419$147,538$11,471,375
88$22,219,065$1,419,982$68,806$12,522,443
89$24,399,101$1,403,252$0$13,679,083
90$26,798,780$1,382,983$0$14,954,858
91$29,440,423$1,358,916$0$16,372,419
92$32,348,621$1,330,778$0$17,932,453
93$35,550,471$1,298,277$0$19,649,488
94$39,075,832$1,261,105$0$21,539,536
95$42,957,605$1,218,937$0$23,620,248
96$47,232,044$1,171,429$0$25,911,077
97$51,939,098$1,118,214$0$28,433,463
98$57,122,787$1,058,907$0$31,211,039
99$62,831,618$993,101$0$34,269,852
100$69,119,042$920,362$0$37,638,609