Can I retire at age 52 with 955,000?

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 $955,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.8%
1 years$78,863$78,161$77,475$76,806$76,153$73,451
2 years$39,041$38,314$37,609$36,926$36,263$33,570
3 years$25,769$25,039$24,336$23,659$23,007$20,407
4 years$19,134$18,406$17,710$17,045$16,409$13,922
5 years$15,154$14,431$13,744$13,092$12,474$10,106
6 years$12,502$11,784$11,107$10,470$9,870$7,624
7 years$10,608$9,896$9,230$8,608$8,027$5,902
8 years$9,188$8,483$7,828$7,221$6,659$4,653
9 years$8,085$7,386$6,742$6,151$5,608$3,718
10 years$7,202$6,510$5,878$5,302$4,778$3,002
11 years$6,481$5,796$5,175$4,614$4,109$2,443
12 years$5,880$5,202$4,592$4,047$3,561$2,000
13 years$5,372$4,701$4,103$3,573$3,105$1,646
14 years$4,937$4,273$3,687$3,172$2,722$1,360
15 years$4,560$3,903$3,329$2,829$2,397$1,127
16 years$4,231$3,581$3,018$2,533$2,118$937
17 years$3,941$3,298$2,746$2,276$1,878$780
18 years$3,683$3,048$2,507$2,051$1,670$651
19 years$3,453$2,825$2,295$1,853$1,489$544
20 years$3,246$2,625$2,106$1,678$1,330$455
21 years$3,059$2,445$1,937$1,523$1,190$381
22 years$2,889$2,282$1,785$1,385$1,067$319
23 years$2,734$2,134$1,649$1,261$957$268
24 years$2,592$2,000$1,525$1,150$861$225
25 years$2,462$1,877$1,412$1,051$774$189
26 years$2,342$1,764$1,310$961$697$158
27 years$2,231$1,660$1,216$879$629$133
28 years$2,128$1,564$1,131$806$567$112
29 years$2,033$1,476$1,052$739$512$94
30 years$1,944$1,394$980$678$463$79
31 years$1,861$1,317$914$623$419$67
32 years$1,783$1,247$852$572$379$56
33 years$1,710$1,181$796$526$343$47
34 years$1,642$1,119$744$484$310$40
35 years$1,577$1,061$695$446$281$33
36 years$1,517$1,007$650$411$255$28
37 years$1,460$957$609$378$231$24
38 years$1,405$909$570$349$209$20
39 years$1,354$865$534$321$190$17
40 years$1,306$823$501$296$172$14
41 years$1,260$783$469$274$156$12
42 years$1,216$746$440$252$142$10
43 years$1,174$710$413$233$129$8
44 years$1,135$677$388$215$117$7
45 years$1,097$646$364$199$106$6
46 years$1,061$616$342$184$96$5
47 years$1,027$588$321$170$87$4
48 years$994$561$302$157$79$4
49 years$962$536$284$145$72$3
50 years$932$512$267$134$65$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $955,000, adding $4,825 every year, while hoping to spend $39,562 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: 62/13/25 Blend
51$955,000$955,000$955,000$955,000
52$1,057,387$1,006,772$991,969$1,115,655
53$1,123,147$1,014,010$983,107$1,162,952
54$1,194,288$1,020,277$972,621$1,209,808
55$1,271,318$1,025,483$960,417$1,260,101
56$1,354,795$1,029,534$946,393$1,314,174
57$1,445,330$1,032,328$930,443$1,372,405
58$1,543,599$1,033,757$912,459$1,435,212
59$1,650,344$1,033,709$892,323$1,503,056
60$1,766,379$1,032,060$869,916$1,576,446
61$1,892,602$1,028,684$845,111$1,655,946
62$2,030,001$1,023,443$817,775$1,742,177
63$2,179,661$1,016,192$787,771$1,835,827
64$2,342,779$1,006,777$754,954$1,937,653
65$2,520,670$995,037$719,172$2,048,494
66$2,714,781$980,797$680,268$2,169,276
67$2,926,708$963,875$638,076$2,301,018
68$3,158,205$944,077$592,424$2,444,850
69$3,411,202$921,198$543,131$2,602,017
70$3,687,828$895,019$490,008$2,773,893
71$3,990,423$865,312$432,860$2,961,996
72$4,321,565$831,831$371,480$3,168,002
73$4,684,094$794,320$305,654$3,393,759
74$5,081,134$752,505$235,156$3,641,308
75$5,516,130$706,098$159,754$3,912,902
76$5,992,872$654,793$79,203$4,211,028
77$6,515,536$598,269$0$4,538,426
78$7,088,721$536,184$0$4,899,929
79$7,717,491$468,178$0$5,319,737
80$8,407,426$393,869$0$5,780,459
81$9,164,671$312,856$0$6,286,238
82$9,995,995$224,714$0$6,841,642
83$10,908,855$128,993$0$7,451,703
84$11,911,464$25,220$0$8,121,968
85$13,012,871$0$0$8,858,550
86$14,223,045$0$0$9,680,649
87$15,552,967$0$0$10,588,136
88$17,014,735$0$0$11,585,668
89$18,621,677$0$0$12,682,352
90$20,388,477$0$0$13,888,217
91$22,331,314$0$0$15,214,318
92$24,468,011$0$0$16,672,830
93$26,818,207$0$0$18,277,170
94$29,403,539$0$0$20,042,120
95$32,247,845$0$0$21,983,966
96$35,377,393$0$0$24,120,653
97$38,821,122$0$0$26,471,953
98$42,610,923$0$0$29,059,652
99$46,781,929$0$0$31,907,755
100$51,372,856$0$0$35,042,710