Can I retire at age 52 with 939,000?

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 $939,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.8%
1 years$77,542$76,851$76,177$75,519$74,877$74,312
2 years$38,387$37,672$36,979$36,307$35,656$35,086
3 years$25,337$24,619$23,928$23,263$22,622$22,065
4 years$18,813$18,098$17,413$16,759$16,134$15,594
5 years$14,900$14,189$13,514$12,873$12,265$11,744
6 years$12,292$11,586$10,921$10,294$9,705$9,203
7 years$10,430$9,730$9,075$8,464$7,892$7,411
8 years$9,034$8,340$7,697$7,100$6,548$6,086
9 years$7,949$7,262$6,629$6,048$5,514$5,072
10 years$7,082$6,401$5,779$5,213$4,698$4,276
11 years$6,372$5,698$5,088$4,537$4,041$3,637
12 years$5,781$5,115$4,516$3,979$3,502$3,117
13 years$5,282$4,622$4,034$3,513$3,053$2,687
14 years$4,854$4,201$3,625$3,119$2,677$2,328
15 years$4,484$3,838$3,273$2,781$2,357$2,026
16 years$4,160$3,521$2,967$2,490$2,083$1,769
17 years$3,875$3,243$2,700$2,238$1,847$1,549
18 years$3,621$2,997$2,465$2,017$1,642$1,360
19 years$3,395$2,777$2,256$1,822$1,464$1,197
20 years$3,191$2,581$2,071$1,650$1,307$1,056
21 years$3,007$2,404$1,905$1,498$1,170$932
22 years$2,840$2,244$1,756$1,362$1,049$825
23 years$2,688$2,099$1,621$1,240$941$730
24 years$2,549$1,966$1,499$1,131$846$648
25 years$2,421$1,845$1,388$1,033$761$575
26 years$2,303$1,734$1,288$945$686$511
27 years$2,194$1,632$1,196$865$618$454
28 years$2,093$1,538$1,112$792$558$404
29 years$1,999$1,451$1,034$726$504$359
30 years$1,911$1,370$964$667$455$320
31 years$1,830$1,295$898$612$412$285
32 years$1,753$1,226$838$563$372$254
33 years$1,682$1,161$783$517$337$227
34 years$1,614$1,100$731$476$305$202
35 years$1,551$1,043$684$438$276$180
36 years$1,491$990$639$404$250$161
37 years$1,435$941$599$372$227$144
38 years$1,382$894$561$343$206$128
39 years$1,331$850$525$316$187$115
40 years$1,284$809$492$292$169$102
41 years$1,238$770$462$269$153$91
42 years$1,195$733$433$248$139$82
43 years$1,155$699$406$229$126$73
44 years$1,116$666$381$212$115$65
45 years$1,079$635$358$195$104$58
46 years$1,043$606$336$180$95$52
47 years$1,009$578$316$167$86$47
48 years$977$552$297$154$78$42
49 years$946$527$279$142$71$37
50 years$917$503$262$132$64$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $939,000, adding $6,646 every year, while hoping to spend $34,440 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: 64/9/27 Blend
51$939,000$939,000$939,000$939,000
52$1,041,633$991,866$977,312$1,100,459
53$1,111,236$1,003,824$973,408$1,153,013
54$1,186,784$1,015,213$968,219$1,206,014
55$1,268,847$1,025,970$961,665$1,263,172
56$1,358,053$1,036,025$953,664$1,324,900
57$1,455,090$1,045,307$944,128$1,391,654
58$1,560,719$1,053,736$932,966$1,463,936
59$1,675,774$1,061,231$920,082$1,542,300
60$1,801,174$1,067,702$905,376$1,627,359
61$1,937,930$1,073,057$888,743$1,719,788
62$2,087,157$1,077,194$870,074$1,820,332
63$2,250,079$1,080,009$849,253$1,929,813
64$2,428,045$1,081,387$826,160$2,049,139
65$2,622,539$1,081,209$800,671$2,179,311
66$2,835,198$1,079,348$772,653$2,321,432
67$3,067,820$1,075,668$741,969$2,476,723
68$3,322,388$1,070,025$708,475$2,646,525
69$3,601,084$1,062,269$672,021$2,832,324
70$3,906,310$1,052,236$632,450$3,035,754
71$4,240,714$1,039,756$589,597$3,258,621
72$4,607,211$1,024,648$543,292$3,502,914
73$5,009,009$1,006,718$493,355$3,770,831
74$5,449,644$985,763$439,599$4,064,792
75$5,933,009$961,568$381,827$4,387,470
76$6,463,395$933,903$319,837$4,741,810
77$7,045,524$902,527$253,415$5,131,062
78$7,684,601$867,184$182,337$5,558,811
79$8,386,357$827,603$106,372$6,029,008
80$9,157,107$783,497$25,277$6,546,013
81$10,003,806$734,563$0$7,114,632
82$10,934,118$680,481$0$7,757,816
83$11,956,485$620,911$0$8,472,678
84$13,080,206$555,495$0$9,258,454
85$14,315,528$483,855$0$10,122,334
86$15,673,739$405,591$0$11,072,240
87$17,167,275$320,279$0$12,116,903
88$18,809,838$227,474$0$13,265,945
89$20,616,525$126,704$0$14,529,967
90$22,603,969$17,471$0$15,920,652
91$24,790,495$0$0$17,450,876
92$27,196,296$0$0$19,144,804
93$29,843,620$0$0$21,010,768
94$32,756,980$0$0$23,064,326
95$35,963,386$0$0$25,324,527
96$39,492,599$0$0$27,812,359
97$43,377,412$0$0$30,550,948
98$47,653,957$0$0$33,565,779
99$52,362,049$0$0$36,884,929
100$57,545,560$0$0$40,539,338