Can I retire at age 52 with 954,000?

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 $954,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.1%
1 years$78,780$78,079$77,394$76,726$76,073$74,174
2 years$39,000$38,274$37,570$36,887$36,225$34,324
3 years$25,742$25,012$24,310$23,634$22,983$21,139
4 years$19,114$18,387$17,692$17,027$16,392$14,619
5 years$15,138$14,415$13,729$13,078$12,461$10,764
6 years$12,489$11,771$11,095$10,459$9,860$8,241
7 years$10,597$9,886$9,220$8,599$8,019$6,479
8 years$9,179$8,474$7,820$7,213$6,652$5,190
9 years$8,076$7,378$6,735$6,144$5,602$4,216
10 years$7,195$6,503$5,872$5,296$4,773$3,462
11 years$6,474$5,789$5,169$4,609$4,105$2,867
12 years$5,874$5,196$4,588$4,043$3,557$2,389
13 years$5,366$4,696$4,099$3,569$3,102$2,003
14 years$4,932$4,268$3,683$3,169$2,719$1,686
15 years$4,556$3,899$3,325$2,826$2,394$1,424
16 years$4,227$3,578$3,015$2,530$2,116$1,207
17 years$3,937$3,295$2,743$2,273$1,876$1,025
18 years$3,679$3,045$2,504$2,049$1,668$872
19 years$3,449$2,822$2,292$1,851$1,487$744
20 years$3,242$2,622$2,104$1,677$1,328$635
21 years$3,055$2,442$1,935$1,522$1,189$543
22 years$2,886$2,280$1,784$1,384$1,065$465
23 years$2,731$2,132$1,647$1,260$956$398
24 years$2,590$1,998$1,523$1,149$860$341
25 years$2,460$1,875$1,411$1,050$774$293
26 years$2,340$1,762$1,308$960$697$251
27 years$2,229$1,658$1,215$878$628$216
28 years$2,126$1,563$1,129$805$567$186
29 years$2,031$1,474$1,051$738$512$159
30 years$1,942$1,392$979$677$462$137
31 years$1,859$1,316$913$622$418$118
32 years$1,781$1,245$852$572$378$101
33 years$1,708$1,179$795$526$342$87
34 years$1,640$1,118$743$484$310$75
35 years$1,576$1,060$695$445$281$65
36 years$1,515$1,006$650$410$254$56
37 years$1,458$956$608$378$230$48
38 years$1,404$908$569$348$209$41
39 years$1,353$864$534$321$189$35
40 years$1,304$822$500$296$172$31
41 years$1,258$782$469$273$156$26
42 years$1,215$745$440$252$141$23
43 years$1,173$710$413$233$128$19
44 years$1,133$677$387$215$117$17
45 years$1,096$645$364$199$106$14
46 years$1,060$615$342$183$96$12
47 years$1,026$587$321$169$87$11
48 years$993$561$302$157$79$9
49 years$961$535$284$145$72$8
50 years$931$511$267$134$65$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $954,000, adding $5,866 every year, while hoping to spend $59,570 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: 54/27/19 Blend
51$954,000$954,000$954,000$954,000
52$1,057,359$1,006,797$992,010$1,108,712
53$1,101,827$992,748$961,860$1,130,460
54$1,148,835$976,014$928,704$1,147,332
55$1,198,578$956,401$892,377$1,164,399
56$1,251,271$933,702$852,710$1,181,696
57$1,307,147$907,700$809,522$1,199,265
58$1,366,463$878,163$762,627$1,217,157
59$1,429,497$844,848$711,830$1,235,431
60$1,496,555$807,496$656,927$1,254,155
61$1,567,973$765,832$597,703$1,273,410
62$1,644,117$719,569$533,937$1,293,288
63$1,725,388$668,399$465,395$1,313,896
64$1,812,227$611,999$391,834$1,335,356
65$1,905,114$550,028$313,001$1,357,809
66$2,004,580$482,123$228,630$1,381,415
67$2,111,202$407,902$138,445$1,406,357
68$2,225,619$326,963$42,157$1,432,842
69$2,348,526$238,879$0$1,461,106
70$2,480,691$143,199$0$1,503,700
71$2,622,954$39,449$0$1,558,561
72$2,776,239$0$0$1,617,540
73$2,941,559$0$0$1,702,741
74$3,120,030$0$0$1,807,442
75$3,312,876$0$0$1,920,650
76$3,521,442$0$0$2,043,164
77$3,747,207$0$0$2,175,862
78$3,991,797$0$0$2,319,711
79$4,257,000$0$0$2,475,773
80$4,544,782$0$0$2,645,216
81$4,857,306$0$0$2,829,325
82$5,196,948$0$0$3,029,513
83$5,566,327$0$0$3,247,335
84$5,968,320$0$0$3,484,503
85$6,406,095$0$0$3,742,900
86$6,883,136$0$0$4,024,596
87$7,403,279$0$0$4,331,873
88$7,970,746$0$0$4,667,241
89$8,590,183$0$0$5,033,462
90$9,266,705$0$0$5,433,577
91$10,005,942$0$0$5,870,936
92$10,814,093$0$0$6,349,224
93$11,697,984$0$0$6,872,499
94$12,665,128$0$0$7,445,232
95$13,723,801$0$0$8,072,344
96$14,883,113$0$0$8,759,253
97$16,153,099$0$0$9,511,929
98$17,544,808$0$0$10,336,943
99$19,070,411$0$0$11,241,534
100$20,743,310$0$0$12,233,676