Can I retire at age 52 with 956,000?

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 $956,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.5%
1 years$78,946$78,242$77,556$76,887$76,233$73,324
2 years$39,082$38,354$37,649$36,965$36,301$33,405
3 years$25,796$25,065$24,361$23,684$23,031$20,238
4 years$19,154$18,425$17,729$17,063$16,426$13,758
5 years$15,170$14,446$13,758$13,106$12,487$9,951
6 years$12,515$11,796$11,119$10,481$9,880$7,478
7 years$10,619$9,906$9,240$8,617$8,035$5,765
8 years$9,198$8,491$7,836$7,228$6,666$4,527
9 years$8,093$7,393$6,749$6,157$5,614$3,602
10 years$7,210$6,517$5,884$5,307$4,783$2,895
11 years$6,488$5,802$5,180$4,619$4,114$2,345
12 years$5,886$5,207$4,597$4,052$3,565$1,911
13 years$5,378$4,706$4,107$3,577$3,109$1,565
14 years$4,942$4,277$3,691$3,175$2,725$1,287
15 years$4,565$3,908$3,332$2,832$2,399$1,061
16 years$4,235$3,585$3,021$2,535$2,121$878
17 years$3,945$3,302$2,749$2,278$1,880$727
18 years$3,687$3,051$2,509$2,053$1,672$603
19 years$3,456$2,828$2,297$1,855$1,490$501
20 years$3,249$2,628$2,108$1,680$1,331$417
21 years$3,062$2,447$1,939$1,525$1,191$348
22 years$2,892$2,285$1,787$1,386$1,068$290
23 years$2,737$2,137$1,650$1,263$958$242
24 years$2,595$2,002$1,526$1,152$861$202
25 years$2,465$1,879$1,414$1,052$775$168
26 years$2,345$1,766$1,311$962$698$141
27 years$2,234$1,662$1,217$880$630$117
28 years$2,131$1,566$1,132$806$568$98
29 years$2,035$1,477$1,053$740$513$82
30 years$1,946$1,395$981$679$463$69
31 years$1,863$1,319$915$623$419$57
32 years$1,785$1,248$853$573$379$48
33 years$1,712$1,182$797$527$343$40
34 years$1,644$1,120$744$485$311$34
35 years$1,579$1,062$696$446$281$28
36 years$1,518$1,008$651$411$255$23
37 years$1,461$958$609$379$231$20
38 years$1,407$910$571$349$209$16
39 years$1,356$865$535$322$190$14
40 years$1,307$823$501$297$172$12
41 years$1,261$784$470$274$156$10
42 years$1,217$746$441$253$142$8
43 years$1,175$711$414$233$129$7
44 years$1,136$678$388$215$117$6
45 years$1,098$646$365$199$106$5
46 years$1,062$617$342$184$96$4
47 years$1,028$589$322$170$87$3
48 years$995$562$302$157$79$3
49 years$963$537$284$145$72$2
50 years$933$513$267$134$65$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $956,000, adding $3,595 every year, while hoping to spend $22,280 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: 64/28/8 Blend
51$956,000$956,000$956,000$956,000
52$1,057,220$1,006,552$991,734$1,122,975
53$1,141,351$1,032,168$1,001,252$1,192,860
54$1,233,316$1,058,291$1,010,341$1,266,207
55$1,333,892$1,084,925$1,018,965$1,345,740
56$1,443,932$1,112,069$1,027,083$1,432,057
57$1,564,376$1,139,723$1,034,653$1,525,820
58$1,696,260$1,167,888$1,041,632$1,627,753
59$1,840,724$1,196,560$1,047,973$1,738,658
60$1,999,025$1,225,738$1,053,626$1,859,415
61$2,172,544$1,255,418$1,058,541$1,990,995
62$2,362,805$1,285,595$1,062,664$2,134,465
63$2,571,485$1,316,263$1,065,938$2,291,002
64$2,800,433$1,347,417$1,068,303$2,461,903
65$3,051,683$1,379,046$1,069,697$2,648,596
66$3,327,477$1,411,142$1,070,054$2,852,653
67$3,630,285$1,443,692$1,069,306$3,075,808
68$3,962,826$1,476,685$1,067,380$3,319,968
69$4,328,097$1,510,106$1,064,200$3,587,237
70$4,729,400$1,543,938$1,059,687$3,879,932
71$5,170,370$1,578,162$1,053,758$4,200,605
72$5,655,014$1,612,759$1,046,325$4,552,069
73$6,187,746$1,647,704$1,037,298$4,937,421
74$6,773,428$1,682,974$1,026,579$5,360,078
75$7,417,417$1,718,539$1,014,069$5,823,799
76$8,125,616$1,754,369$999,662$6,332,731
77$8,904,527$1,790,432$983,249$6,891,441
78$9,761,315$1,826,689$964,715$7,504,963
79$10,703,874$1,863,102$943,938$8,178,840
80$11,740,902$1,899,627$920,792$8,919,186
81$12,881,981$1,936,216$895,146$9,732,734
82$14,137,671$1,972,818$866,861$10,626,905
83$15,519,606$2,009,378$835,793$11,609,875
84$17,040,604$2,045,837$801,791$12,690,657
85$18,714,792$2,082,129$764,697$13,879,180
86$20,557,732$2,118,184$724,346$15,186,387
87$22,586,574$2,153,928$680,564$16,624,338
88$24,820,214$2,189,281$633,173$18,206,320
89$27,279,475$2,224,154$581,983$19,946,979
90$29,987,299$2,258,456$526,798$21,862,452
91$32,968,969$2,292,086$467,411$23,970,524
92$36,252,343$2,324,937$403,608$26,290,794
93$39,868,118$2,356,895$335,165$28,844,860
94$43,850,121$2,387,837$261,847$31,656,524
95$48,235,624$2,417,632$183,410$34,752,015
96$53,065,701$2,446,140$99,598$38,160,241
97$58,385,613$2,473,211$10,145$41,913,055
98$64,245,233$2,498,686$0$46,045,563
99$70,699,519$2,522,394$0$50,603,736
100$77,809,033$2,544,154$0$55,624,322