Can I retire at age 52 with 943,000?

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 $943,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%15.9%
1 years$77,872$77,178$76,502$75,841$75,196$73,378
2 years$38,551$37,833$37,137$36,462$35,808$33,987
3 years$25,445$24,724$24,030$23,362$22,718$20,952
4 years$18,894$18,175$17,488$16,831$16,203$14,504
5 years$14,964$14,249$13,571$12,928$12,317$10,691
6 years$12,345$11,636$10,967$10,338$9,746$8,194
7 years$10,475$9,772$9,114$8,500$7,926$6,449
8 years$9,073$8,376$7,729$7,130$6,575$5,172
9 years$7,983$7,293$6,657$6,073$5,537$4,207
10 years$7,112$6,428$5,804$5,235$4,718$3,458
11 years$6,399$5,723$5,110$4,556$4,058$2,867
12 years$5,806$5,136$4,535$3,996$3,516$2,393
13 years$5,305$4,642$4,052$3,528$3,066$2,008
14 years$4,875$4,219$3,640$3,132$2,688$1,693
15 years$4,503$3,854$3,287$2,793$2,367$1,432
16 years$4,178$3,536$2,980$2,501$2,092$1,215
17 years$3,891$3,257$2,712$2,247$1,855$1,034
18 years$3,637$3,009$2,475$2,025$1,649$881
19 years$3,409$2,789$2,266$1,830$1,470$753
20 years$3,205$2,592$2,080$1,657$1,313$644
21 years$3,020$2,414$1,913$1,504$1,175$551
22 years$2,853$2,254$1,763$1,368$1,053$472
23 years$2,700$2,108$1,628$1,245$945$405
24 years$2,560$1,975$1,505$1,136$850$348
25 years$2,431$1,853$1,394$1,037$765$299
26 years$2,313$1,742$1,293$949$689$257
27 years$2,203$1,639$1,201$868$621$221
28 years$2,102$1,545$1,116$795$560$190
29 years$2,007$1,457$1,039$729$506$164
30 years$1,920$1,376$968$669$457$141
31 years$1,837$1,301$902$615$413$122
32 years$1,761$1,231$842$565$374$105
33 years$1,689$1,166$786$520$338$90
34 years$1,621$1,105$734$478$306$78
35 years$1,558$1,048$687$440$277$67
36 years$1,498$995$642$405$251$58
37 years$1,441$945$601$373$228$50
38 years$1,388$898$563$344$207$43
39 years$1,337$854$527$317$187$37
40 years$1,289$812$494$293$170$32
41 years$1,244$773$464$270$154$28
42 years$1,201$736$435$249$140$24
43 years$1,160$702$408$230$127$21
44 years$1,120$669$383$212$115$18
45 years$1,083$638$360$196$105$15
46 years$1,048$608$338$181$95$13
47 years$1,014$581$317$167$86$11
48 years$981$554$298$155$78$10
49 years$950$529$280$143$71$8
50 years$921$506$263$132$65$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $943,000, adding $6,590 every year, while hoping to spend $47,863 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: 58/28/14 Blend
51$943,000$943,000$943,000$943,000
52$1,045,984$996,005$981,388$1,102,567
53$1,101,748$993,883$963,339$1,139,452
54$1,161,596$990,053$943,081$1,173,773
55$1,225,894$984,381$920,489$1,210,064
56$1,295,044$976,724$895,434$1,248,520
57$1,369,486$966,932$867,779$1,289,359
58$1,449,706$954,843$837,381$1,332,824
59$1,536,235$940,289$804,092$1,379,184
60$1,629,657$923,089$767,755$1,428,736
61$1,730,615$903,054$728,208$1,481,812
62$1,839,815$879,981$685,281$1,538,780
63$1,958,033$853,657$638,794$1,600,046
64$2,086,121$823,855$588,563$1,666,064
65$2,225,019$790,337$534,393$1,737,333
66$2,375,756$752,849$476,080$1,814,411
67$2,539,467$711,123$413,414$1,897,912
68$2,717,401$664,876$346,171$1,988,519
69$2,910,930$613,809$274,122$2,086,989
70$3,121,564$557,604$197,024$2,194,159
71$3,350,965$495,928$114,625$2,310,955
72$3,600,961$428,426$26,663$2,438,406
73$3,873,565$354,725$0$2,577,649
74$4,170,991$274,430$0$2,739,980
75$4,495,678$187,123$0$2,921,657
76$4,850,310$92,364$0$3,120,278
77$5,237,840$0$0$3,337,594
78$5,661,522$0$0$3,578,717
79$6,124,936$0$0$3,873,656
80$6,632,025$0$0$4,196,471
81$7,187,131$0$0$4,549,935
82$7,795,035$0$0$4,937,104
83$8,461,003$0$0$5,361,340
84$9,190,831$0$0$5,826,350
85$9,990,906$0$0$6,336,212
86$10,868,261$0$0$6,895,421
87$11,830,642$0$0$7,508,925
88$12,886,582$0$0$8,182,178
89$14,045,477$0$0$8,921,184
90$15,317,680$0$0$9,732,557
91$16,714,595$0$0$10,623,585
92$18,248,782$0$0$11,602,295
93$19,934,078$0$0$12,677,529
94$21,785,729$0$0$13,859,029
95$23,820,526$0$0$15,157,525
96$26,056,972$0$0$16,584,842
97$28,515,447$0$0$18,154,005
98$31,218,408$0$0$19,879,364
99$34,190,595$0$0$21,776,729
100$37,459,263$0$0$23,863,521