Can I retire at age 52 with 952,000?

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 $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 years$78,615$77,915$77,232$76,565$75,914$73,454
2 years$38,918$38,194$37,491$36,810$36,149$33,695
3 years$25,688$24,960$24,259$23,585$22,935$20,562
4 years$19,074$18,348$17,655$16,991$16,357$14,084
5 years$15,107$14,385$13,701$13,051$12,434$10,267
6 years$12,463$11,747$11,072$10,437$9,839$7,780
7 years$10,575$9,865$9,201$8,581$8,002$6,050
8 years$9,159$8,456$7,803$7,198$6,638$4,792
9 years$8,059$7,362$6,721$6,131$5,590$3,849
10 years$7,180$6,490$5,859$5,285$4,763$3,123
11 years$6,460$5,777$5,159$4,600$4,097$2,554
12 years$5,862$5,185$4,578$4,035$3,550$2,103
13 years$5,355$4,686$4,090$3,562$3,096$1,740
14 years$4,921$4,260$3,675$3,162$2,714$1,445
15 years$4,546$3,891$3,318$2,820$2,389$1,205
16 years$4,218$3,570$3,008$2,525$2,112$1,007
17 years$3,928$3,288$2,737$2,269$1,872$844
18 years$3,671$3,038$2,499$2,044$1,665$708
19 years$3,442$2,816$2,288$1,847$1,484$595
20 years$3,236$2,617$2,100$1,673$1,325$501
21 years$3,049$2,437$1,931$1,518$1,186$422
22 years$2,880$2,275$1,780$1,381$1,063$356
23 years$2,725$2,128$1,643$1,257$954$300
24 years$2,584$1,994$1,520$1,147$858$254
25 years$2,454$1,871$1,408$1,047$772$214
26 years$2,335$1,758$1,306$958$695$181
27 years$2,224$1,655$1,212$877$627$153
28 years$2,122$1,559$1,127$803$566$130
29 years$2,027$1,471$1,049$736$511$110
30 years$1,938$1,389$977$676$461$93
31 years$1,855$1,313$911$621$417$79
32 years$1,778$1,243$850$570$377$67
33 years$1,705$1,177$793$525$342$56
34 years$1,637$1,115$741$483$309$48
35 years$1,572$1,058$693$444$280$40
36 years$1,512$1,004$648$409$254$34
37 years$1,455$954$607$377$230$29
38 years$1,401$906$568$348$209$25
39 years$1,350$862$532$320$189$21
40 years$1,302$820$499$296$172$18
41 years$1,256$781$468$273$156$15
42 years$1,212$743$439$252$141$13
43 years$1,171$708$412$232$128$11
44 years$1,131$675$387$214$116$9
45 years$1,094$644$363$198$106$8
46 years$1,058$614$341$183$96$7
47 years$1,023$586$320$169$87$6
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 $2,012 every year, while hoping to spend $41,851 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: 48/44/8 Blend
51$952,000$952,000$952,000$952,000
52$1,051,179$1,000,723$985,967$1,099,294
53$1,113,871$1,005,230$974,468$1,136,995
54$1,181,554$1,008,554$961,181$1,173,335
55$1,254,693$1,010,595$946,002$1,211,816
56$1,333,801$1,011,243$928,822$1,252,649
57$1,419,438$1,010,383$909,527$1,296,068
58$1,512,222$1,007,893$887,998$1,342,334
59$1,612,833$1,003,644$864,109$1,391,736
60$1,722,016$997,496$837,731$1,444,595
61$1,840,592$989,305$808,726$1,501,266
62$1,969,467$978,914$776,952$1,562,144
63$2,109,631$966,161$742,259$1,627,666
64$2,262,180$950,869$704,492$1,698,318
65$2,428,317$932,855$663,486$1,774,637
66$2,609,363$911,924$619,071$1,857,219
67$2,806,778$887,867$571,069$1,946,725
68$3,022,163$860,467$519,294$2,043,886
69$3,257,284$829,490$463,551$2,149,513
70$3,514,084$794,692$403,636$2,264,503
71$3,794,701$755,812$339,338$2,389,850
72$4,101,489$712,576$270,435$2,526,655
73$4,437,041$664,692$196,695$2,676,136
74$4,804,211$611,854$117,876$2,839,641
75$5,206,142$553,737$33,727$3,018,661
76$5,646,296$489,996$0$3,214,848
77$6,128,482$420,270$0$3,434,813
78$6,656,898$344,175$0$3,679,174
79$7,236,168$261,305$0$3,947,306
80$7,871,381$171,233$0$4,241,705
81$8,568,146$73,507$0$4,565,128
82$9,332,637$0$0$4,920,623
83$10,171,659$0$0$5,327,217
84$11,092,705$0$0$5,812,738
85$12,104,028$0$0$6,345,960
86$13,214,723$0$0$6,931,690
87$14,434,805$0$0$7,575,226
88$15,775,308$0$0$8,282,402
89$17,248,391$0$0$9,059,648
90$18,867,443$0$0$9,914,044
91$20,647,220$0$0$10,853,393
92$22,603,976$0$0$11,886,292
93$24,755,620$0$0$13,022,210
94$27,121,881$0$0$14,271,584
95$29,724,499$0$0$15,645,908
96$32,587,423$0$0$17,157,850
97$35,737,043$0$0$18,821,365
98$39,202,434$0$0$20,651,832
99$43,015,631$0$0$22,666,194
100$47,211,933$0$0$24,883,118