Can I retire at age 52 with 950,000?

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 $950,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.6%
1 years$78,450$77,751$77,070$76,404$75,754$74,316
2 years$38,837$38,113$37,412$36,733$36,073$34,630
3 years$25,634$24,908$24,208$23,535$22,887$21,483
4 years$19,034$18,310$17,617$16,956$16,323$14,970
5 years$15,075$14,355$13,672$13,024$12,408$11,110
6 years$12,436$11,722$11,049$10,415$9,818$8,576
7 years$10,552$9,844$9,182$8,563$7,985$6,799
8 years$9,140$8,438$7,787$7,183$6,624$5,494
9 years$8,042$7,347$6,707$6,118$5,579$4,503
10 years$7,165$6,476$5,847$5,274$4,753$3,732
11 years$6,447$5,765$5,148$4,590$4,088$3,120
12 years$5,849$5,175$4,568$4,026$3,543$2,626
13 years$5,344$4,676$4,082$3,554$3,089$2,223
14 years$4,911$4,251$3,667$3,155$2,708$1,891
15 years$4,536$3,883$3,311$2,814$2,384$1,614
16 years$4,209$3,563$3,002$2,520$2,107$1,382
17 years$3,920$3,281$2,732$2,264$1,868$1,187
18 years$3,664$3,032$2,494$2,040$1,661$1,021
19 years$3,435$2,810$2,283$1,843$1,481$881
20 years$3,229$2,611$2,095$1,670$1,323$761
21 years$3,043$2,432$1,927$1,515$1,184$658
22 years$2,874$2,270$1,776$1,378$1,061$570
23 years$2,720$2,123$1,640$1,255$952$494
24 years$2,579$1,989$1,517$1,144$856$428
25 years$2,449$1,867$1,405$1,045$770$372
26 years$2,330$1,755$1,303$956$694$323
27 years$2,220$1,651$1,210$875$626$281
28 years$2,117$1,556$1,125$801$564$244
29 years$2,022$1,468$1,047$735$510$213
30 years$1,934$1,386$975$674$461$185
31 years$1,851$1,311$909$619$416$161
32 years$1,774$1,240$848$569$377$140
33 years$1,701$1,174$792$523$341$122
34 years$1,633$1,113$740$482$309$107
35 years$1,569$1,056$692$443$280$93
36 years$1,509$1,002$647$408$253$81
37 years$1,452$952$606$376$230$71
38 years$1,398$904$567$347$208$61
39 years$1,347$860$531$320$189$54
40 years$1,299$818$498$295$171$47
41 years$1,253$779$467$272$155$41
42 years$1,209$742$438$251$141$36
43 years$1,168$707$411$232$128$31
44 years$1,129$674$386$214$116$27
45 years$1,091$642$362$198$105$24
46 years$1,055$613$340$183$96$21
47 years$1,021$585$320$169$87$18
48 years$989$558$300$156$79$16
49 years$957$533$282$144$72$14
50 years$928$509$265$133$65$12

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $950,000, adding $2,736 every year, while hoping to spend $44,749 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: 43/42/15 Blend
51$950,000$950,000$950,000$950,000
52$1,049,722$999,372$984,647$1,090,174
53$1,109,181$1,000,729$970,020$1,120,183
54$1,173,205$1,000,652$953,404$1,148,015
55$1,242,213$999,025$934,683$1,177,204
56$1,316,663$995,722$913,740$1,207,892
57$1,397,062$990,611$890,449$1,240,241
58$1,483,963$983,552$864,680$1,274,433
59$1,577,977$974,395$836,296$1,310,670
60$1,679,773$962,983$805,155$1,349,177
61$1,790,090$949,149$771,107$1,390,208
62$1,909,736$932,715$733,997$1,434,043
63$2,039,604$913,493$693,660$1,480,998
64$2,180,673$891,283$649,927$1,531,422
65$2,334,022$865,876$602,620$1,585,707
66$2,500,836$837,048$551,552$1,644,287
67$2,682,421$804,563$496,528$1,707,646
68$2,880,212$768,170$437,346$1,776,324
69$3,095,789$727,607$373,793$1,850,919
70$3,330,892$682,592$305,647$1,932,099
71$3,587,434$632,830$232,678$2,020,605
72$3,867,523$578,009$154,643$2,117,260
73$4,173,477$517,798$71,290$2,222,977
74$4,507,850$451,849$0$2,338,774
75$4,873,452$379,790$0$2,468,602
76$5,273,378$301,234$0$2,623,247
77$5,711,036$215,768$0$2,792,719
78$6,190,178$122,957$0$2,978,604
79$6,714,935$22,341$0$3,182,658
80$7,289,859$0$0$3,406,823
81$7,919,960$0$0$3,693,254
82$8,610,757$0$0$4,018,715
83$9,368,329$0$0$4,375,758
84$10,199,371$0$0$4,767,554
85$11,111,255$0$0$5,197,596
86$12,112,106$0$0$5,669,731
87$13,210,870$0$0$6,188,195
88$14,417,403$0$0$6,757,658
89$15,742,562$0$0$7,383,261
90$17,198,306$0$0$8,070,670
91$18,797,811$0$0$8,826,125
92$20,555,592$0$0$9,656,503
93$22,487,639$0$0$10,569,378
94$24,611,569$0$0$11,573,095
95$26,946,791$0$0$12,676,849
96$29,514,689$0$0$13,890,770
97$32,338,820$0$0$15,226,018
98$35,445,143$0$0$16,694,892
99$38,862,255$0$0$18,310,938
100$42,621,666$0$0$20,089,087