Can I retire at age 52 with 941,000?

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 $941,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$77,707$77,015$76,339$75,680$75,037$72,927
2 years$38,469$37,752$37,058$36,385$35,732$33,622
3 years$25,391$24,672$23,979$23,312$22,670$20,627
4 years$18,854$18,136$17,451$16,795$16,168$14,207
5 years$14,932$14,219$13,542$12,900$12,291$10,417
6 years$12,319$11,611$10,944$10,316$9,725$7,941
7 years$10,453$9,751$9,095$8,482$7,909$6,214
8 years$9,054$8,358$7,713$7,115$6,562$4,955
9 years$7,966$7,277$6,643$6,060$5,526$4,006
10 years$7,097$6,415$5,792$5,224$4,708$3,273
11 years$6,386$5,711$5,099$4,547$4,049$2,696
12 years$5,794$5,125$4,525$3,988$3,509$2,236
13 years$5,293$4,632$4,043$3,521$3,060$1,864
14 years$4,865$4,210$3,633$3,125$2,682$1,560
15 years$4,493$3,846$3,280$2,787$2,362$1,311
16 years$4,169$3,529$2,974$2,496$2,087$1,104
17 years$3,883$3,250$2,706$2,242$1,851$932
18 years$3,629$3,003$2,470$2,021$1,646$789
19 years$3,402$2,783$2,261$1,826$1,467$669
20 years$3,198$2,586$2,075$1,654$1,310$568
21 years$3,014$2,409$1,909$1,501$1,172$482
22 years$2,847$2,249$1,759$1,365$1,051$410
23 years$2,694$2,103$1,624$1,243$943$349
24 years$2,554$1,971$1,502$1,134$848$298
25 years$2,426$1,849$1,391$1,035$763$254
26 years$2,308$1,738$1,290$947$687$216
27 years$2,199$1,636$1,198$866$620$185
28 years$2,097$1,541$1,114$794$559$158
29 years$2,003$1,454$1,037$728$505$135
30 years$1,915$1,373$966$668$456$115
31 years$1,834$1,298$900$614$412$98
32 years$1,757$1,228$840$564$373$84
33 years$1,685$1,163$784$519$338$72
34 years$1,618$1,102$733$477$306$61
35 years$1,554$1,046$685$439$277$52
36 years$1,495$992$641$404$251$45
37 years$1,438$943$600$373$227$38
38 years$1,385$896$562$344$206$33
39 years$1,334$852$526$317$187$28
40 years$1,286$810$493$292$170$24
41 years$1,241$771$463$270$154$20
42 years$1,198$735$434$249$140$18
43 years$1,157$700$407$230$127$15
44 years$1,118$667$382$212$115$13
45 years$1,081$636$359$196$104$11
46 years$1,045$607$337$181$95$9
47 years$1,012$579$317$167$86$8
48 years$979$553$298$154$78$7
49 years$948$528$280$143$71$6
50 years$919$504$263$132$64$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $941,000, adding $4,884 every year, while hoping to spend $55,944 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: 87/5/8 Blend
51$941,000$941,000$941,000$941,000
52$1,042,020$992,147$977,561$1,131,416
53$1,088,782$981,238$950,786$1,179,523
54$1,138,439$967,920$921,238$1,224,166
55$1,191,226$952,015$888,766$1,271,438
56$1,247,403$933,335$853,212$1,321,565
57$1,307,253$911,683$814,409$1,374,794
58$1,371,084$886,847$772,183$1,431,397
59$1,439,236$858,604$726,353$1,491,672
60$1,512,082$826,719$676,729$1,555,949
61$1,590,028$790,942$623,114$1,624,589
62$1,673,522$751,009$565,299$1,697,988
63$1,763,053$706,641$503,068$1,776,586
64$1,859,160$657,542$436,196$1,860,863
65$1,962,432$603,399$364,447$1,951,350
66$2,073,518$543,883$287,573$2,048,630
67$2,193,128$478,645$205,319$2,153,346
68$2,322,044$407,316$117,414$2,266,205
69$2,461,124$329,506$23,579$2,387,988
70$2,611,310$244,803$0$2,519,551
71$2,773,639$152,773$0$2,668,375
72$2,949,248$52,957$0$2,831,540
73$3,139,390$0$0$3,008,205
74$3,345,439$0$0$3,202,695
75$3,568,909$0$0$3,416,797
76$3,811,463$0$0$3,649,190
77$4,074,932$0$0$3,901,630
78$4,361,327$0$0$4,176,046
79$4,672,864$0$0$4,474,561
80$5,011,977$0$0$4,799,509
81$5,381,349$0$0$5,153,461
82$5,783,927$0$0$5,539,245
83$6,222,960$0$0$5,959,974
84$6,702,020$0$0$6,419,072
85$7,225,040$0$0$6,920,310
86$7,796,350$0$0$7,467,838
87$8,420,716$0$0$8,066,227
88$9,103,385$0$0$8,720,507
89$9,850,134$0$0$9,436,216
90$10,667,325$0$0$10,219,454
91$11,561,962$0$0$11,076,935
92$12,541,760$0$0$12,016,055
93$13,615,212$0$0$13,044,957
94$14,791,673$0$0$14,172,610
95$16,081,446$0$0$15,408,891
96$17,495,878$0$0$16,764,679
97$19,047,467$0$0$18,251,956
98$20,749,979$0$0$19,883,919
99$22,618,577$0$0$21,675,106
100$24,669,963$0$0$23,641,530