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%16.5%
1 years$78,863$78,161$77,475$76,806$76,153$74,132
2 years$39,041$38,314$37,609$36,926$36,263$34,241
3 years$25,769$25,039$24,336$23,659$23,007$21,047
4 years$19,134$18,406$17,710$17,045$16,409$14,526
5 years$15,154$14,431$13,744$13,092$12,474$10,673
6 years$12,502$11,784$11,107$10,470$9,870$8,154
7 years$10,608$9,896$9,230$8,608$8,027$6,395
8 years$9,188$8,483$7,828$7,221$6,659$5,111
9 years$8,085$7,386$6,742$6,151$5,608$4,142
10 years$7,202$6,510$5,878$5,302$4,778$3,393
11 years$6,481$5,796$5,175$4,614$4,109$2,802
12 years$5,880$5,202$4,592$4,047$3,561$2,330
13 years$5,372$4,701$4,103$3,573$3,105$1,947
14 years$4,937$4,273$3,687$3,172$2,722$1,635
15 years$4,560$3,903$3,329$2,829$2,397$1,377
16 years$4,231$3,581$3,018$2,533$2,118$1,163
17 years$3,941$3,298$2,746$2,276$1,878$985
18 years$3,683$3,048$2,507$2,051$1,670$836
19 years$3,453$2,825$2,295$1,853$1,489$711
20 years$3,246$2,625$2,106$1,678$1,330$605
21 years$3,059$2,445$1,937$1,523$1,190$516
22 years$2,889$2,282$1,785$1,385$1,067$440
23 years$2,734$2,134$1,649$1,261$957$376
24 years$2,592$2,000$1,525$1,150$861$321
25 years$2,462$1,877$1,412$1,051$774$275
26 years$2,342$1,764$1,310$961$697$235
27 years$2,231$1,660$1,216$879$629$201
28 years$2,128$1,564$1,131$806$567$172
29 years$2,033$1,476$1,052$739$512$148
30 years$1,944$1,394$980$678$463$127
31 years$1,861$1,317$914$623$419$108
32 years$1,783$1,247$852$572$379$93
33 years$1,710$1,181$796$526$343$80
34 years$1,642$1,119$744$484$310$68
35 years$1,577$1,061$695$446$281$59
36 years$1,517$1,007$650$411$255$50
37 years$1,460$957$609$378$231$43
38 years$1,405$909$570$349$209$37
39 years$1,354$865$534$321$190$32
40 years$1,306$823$501$296$172$27
41 years$1,260$783$469$274$156$23
42 years$1,216$746$440$252$142$20
43 years$1,174$710$413$233$129$17
44 years$1,135$677$388$215$117$15
45 years$1,097$646$364$199$106$13
46 years$1,061$616$342$184$96$11
47 years$1,027$588$321$170$87$9
48 years$994$561$302$157$79$8
49 years$962$536$284$145$72$7
50 years$932$512$267$134$65$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $955,000, adding $3,796 every year, while hoping to spend $46,064 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: 49/23/28 Blend
51$955,000$955,000$955,000$955,000
52$1,056,326$1,005,711$990,908$1,099,515
53$1,115,059$1,005,979$975,092$1,130,456
54$1,178,239$1,004,716$957,202$1,159,199
55$1,246,272$1,001,799$937,120$1,189,533
56$1,319,601$997,096$914,723$1,221,629
57$1,398,715$990,469$889,881$1,255,681
58$1,484,151$981,769$862,459$1,291,904
59$1,576,498$970,840$832,315$1,330,537
60$1,676,406$957,515$799,302$1,371,848
61$1,784,585$941,620$763,265$1,416,135
62$1,901,821$922,967$724,042$1,463,729
63$2,028,973$901,359$681,465$1,514,999
64$2,166,990$876,587$635,355$1,570,354
65$2,316,913$848,430$585,530$1,630,251
66$2,479,888$816,653$531,795$1,695,196
67$2,657,176$781,009$473,949$1,765,751
68$2,850,165$741,234$411,783$1,842,543
69$3,060,379$697,053$345,075$1,926,265
70$3,289,500$648,170$273,597$2,017,687
71$3,539,375$594,277$197,109$2,117,662
72$3,812,039$535,045$115,361$2,227,139
73$4,109,733$470,127$28,090$2,347,166
74$4,434,920$399,157$0$2,478,910
75$4,790,315$321,749$0$2,643,091
76$5,178,905$237,494$0$2,831,926
77$5,603,982$145,959$0$3,038,685
78$6,069,166$46,689$0$3,265,213
79$6,578,447$0$0$3,513,548
80$7,136,216$0$0$3,801,325
81$7,747,311$0$0$4,129,663
82$8,417,059$0$0$4,489,621
83$9,151,326$0$0$4,884,365
84$9,956,574$0$0$5,317,382
85$10,839,919$0$0$5,792,513
86$11,809,200$0$0$6,313,989
87$12,873,051$0$0$6,886,471
88$14,040,984$0$0$7,515,093
89$15,323,474$0$0$8,205,509
90$16,732,063$0$0$8,963,950
91$18,279,465$0$0$9,797,279
92$19,979,684$0$0$10,713,055
93$21,848,151$0$0$11,719,609
94$23,901,864$0$0$12,826,117
95$26,159,549$0$0$14,042,689
96$28,641,838$0$0$15,380,463
97$31,371,463$0$0$16,851,711
98$34,373,466$0$0$18,469,952
99$37,675,439$0$0$20,250,085
100$41,307,785$0$0$22,208,521