Can I retire at age 52 with 952,000?

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 $952,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.1%
1 years$78,615$77,915$77,232$76,565$75,914$73,425
2 years$38,918$38,194$37,491$36,810$36,149$33,666
3 years$25,688$24,960$24,259$23,585$22,935$20,534
4 years$19,074$18,348$17,655$16,991$16,357$14,058
5 years$15,107$14,385$13,701$13,051$12,434$10,243
6 years$12,463$11,747$11,072$10,437$9,839$7,757
7 years$10,575$9,865$9,201$8,581$8,002$6,029
8 years$9,159$8,456$7,803$7,198$6,638$4,773
9 years$8,059$7,362$6,721$6,131$5,590$3,831
10 years$7,180$6,490$5,859$5,285$4,763$3,106
11 years$6,460$5,777$5,159$4,600$4,097$2,539
12 years$5,862$5,185$4,578$4,035$3,550$2,089
13 years$5,355$4,686$4,090$3,562$3,096$1,727
14 years$4,921$4,260$3,675$3,162$2,714$1,434
15 years$4,546$3,891$3,318$2,820$2,389$1,194
16 years$4,218$3,570$3,008$2,525$2,112$998
17 years$3,928$3,288$2,737$2,269$1,872$835
18 years$3,671$3,038$2,499$2,044$1,665$700
19 years$3,442$2,816$2,288$1,847$1,484$588
20 years$3,236$2,617$2,100$1,673$1,325$495
21 years$3,049$2,437$1,931$1,518$1,186$417
22 years$2,880$2,275$1,780$1,381$1,063$351
23 years$2,725$2,128$1,643$1,257$954$296
24 years$2,584$1,994$1,520$1,147$858$250
25 years$2,454$1,871$1,408$1,047$772$211
26 years$2,335$1,758$1,306$958$695$178
27 years$2,224$1,655$1,212$877$627$151
28 years$2,122$1,559$1,127$803$566$127
29 years$2,027$1,471$1,049$736$511$108
30 years$1,938$1,389$977$676$461$91
31 years$1,855$1,313$911$621$417$77
32 years$1,778$1,243$850$570$377$65
33 years$1,705$1,177$793$525$342$55
34 years$1,637$1,115$741$483$309$47
35 years$1,572$1,058$693$444$280$39
36 years$1,512$1,004$648$409$254$33
37 years$1,455$954$607$377$230$28
38 years$1,401$906$568$348$209$24
39 years$1,350$862$532$320$189$20
40 years$1,302$820$499$296$172$17
41 years$1,256$781$468$273$156$15
42 years$1,212$743$439$252$141$12
43 years$1,171$708$412$232$128$10
44 years$1,131$675$387$214$116$9
45 years$1,094$644$363$198$106$7
46 years$1,058$614$341$183$96$6
47 years$1,023$586$320$169$87$5
48 years$991$559$301$156$79$5
49 years$959$534$283$144$72$4
50 years$929$510$266$133$65$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $952,000, adding $4,894 every year, while hoping to spend $21,663 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: 74/13/13 Blend
51$952,000$952,000$952,000$952,000
52$1,054,152$1,003,696$988,940$1,128,948
53$1,138,626$1,029,828$999,020$1,205,175
54$1,230,991$1,056,514$1,008,712$1,285,500
55$1,332,028$1,083,759$1,017,980$1,372,919
56$1,442,598$1,111,567$1,026,785$1,468,129
57$1,563,649$1,139,940$1,035,089$1,571,897
58$1,696,226$1,168,881$1,042,849$1,685,071
59$1,841,478$1,198,393$1,050,021$1,808,582
60$2,000,670$1,228,476$1,056,559$1,943,457
61$2,175,199$1,259,132$1,062,414$2,090,826
62$2,366,599$1,290,359$1,067,534$2,251,935
63$2,576,561$1,322,156$1,071,866$2,428,157
64$2,806,950$1,354,521$1,075,353$2,621,002
65$3,059,817$1,387,451$1,077,936$2,832,135
66$3,337,424$1,420,941$1,079,552$3,063,393
67$3,642,259$1,454,985$1,080,135$3,316,795
68$3,977,067$1,489,577$1,079,617$3,594,568
69$4,344,869$1,524,708$1,077,925$3,899,167
70$4,748,995$1,560,367$1,074,985$4,233,294
71$5,193,111$1,596,544$1,070,715$4,599,927
72$5,681,258$1,633,225$1,065,034$5,002,350
73$6,217,888$1,670,394$1,057,854$5,444,177
74$6,807,903$1,708,034$1,049,083$5,929,394
75$7,456,708$1,746,126$1,038,626$6,462,391
76$8,170,254$1,784,648$1,026,382$7,048,005
77$8,955,100$1,823,576$1,012,246$7,691,569
78$9,818,472$1,862,883$996,108$8,398,955
79$10,768,331$1,902,540$977,853$9,176,638
80$11,813,450$1,942,514$957,360$10,031,750
81$12,963,494$1,982,769$934,503$10,972,150
82$14,229,112$2,023,266$909,151$12,006,502
83$15,622,038$2,063,963$881,164$13,144,349
84$17,155,202$2,104,813$850,399$14,396,209
85$18,842,849$2,145,765$816,704$15,773,673
86$20,700,678$2,186,766$779,922$17,289,514
87$22,745,985$2,227,755$739,887$18,957,806
88$24,997,829$2,268,669$696,426$20,794,059
89$27,477,211$2,309,437$649,361$22,815,367
90$30,207,273$2,349,986$598,500$25,040,566
91$33,213,514$2,390,234$543,649$27,490,411
92$36,524,032$2,430,095$484,601$30,187,778
93$40,169,789$2,469,476$421,141$33,157,874
94$44,184,903$2,508,275$353,045$36,428,478
95$48,606,969$2,546,387$280,078$40,030,201
96$53,477,415$2,583,695$201,995$43,996,780
97$58,841,891$2,620,076$118,542$48,365,389
98$64,750,702$2,655,398$29,451$53,176,998
99$71,259,280$2,689,519$0$58,476,754
100$78,428,709$2,722,288$0$64,323,514