Can I retire at age 52 with 957,000?

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 $957,000?

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$79,028$78,324$77,637$76,967$76,313$73,840
2 years$39,123$38,394$37,688$37,003$36,339$33,872
3 years$25,823$25,091$24,387$23,708$23,055$20,670
4 years$19,174$18,445$17,747$17,081$16,443$14,158
5 years$15,186$14,461$13,773$13,120$12,500$10,321
6 years$12,528$11,808$11,130$10,492$9,891$7,820
7 years$10,630$9,917$9,249$8,626$8,044$6,082
8 years$9,208$8,500$7,844$7,236$6,673$4,818
9 years$8,102$7,401$6,756$6,164$5,620$3,869
10 years$7,217$6,524$5,890$5,313$4,788$3,139
11 years$6,494$5,808$5,186$4,624$4,118$2,568
12 years$5,892$5,213$4,602$4,056$3,569$2,114
13 years$5,383$4,711$4,112$3,581$3,112$1,749
14 years$4,947$4,282$3,694$3,178$2,728$1,453
15 years$4,570$3,912$3,336$2,835$2,402$1,211
16 years$4,240$3,589$3,024$2,538$2,123$1,012
17 years$3,949$3,305$2,752$2,280$1,882$848
18 years$3,691$3,054$2,512$2,055$1,674$712
19 years$3,460$2,831$2,300$1,857$1,492$598
20 years$3,253$2,630$2,111$1,682$1,332$504
21 years$3,065$2,450$1,941$1,526$1,192$424
22 years$2,895$2,287$1,789$1,388$1,069$358
23 years$2,740$2,139$1,652$1,264$959$302
24 years$2,598$2,004$1,528$1,153$862$255
25 years$2,467$1,881$1,415$1,053$776$216
26 years$2,347$1,768$1,312$963$699$182
27 years$2,236$1,663$1,219$881$630$154
28 years$2,133$1,568$1,133$807$569$130
29 years$2,037$1,479$1,054$740$513$110
30 years$1,948$1,397$982$679$464$93
31 years$1,865$1,320$916$624$419$79
32 years$1,787$1,249$854$573$379$67
33 years$1,714$1,183$798$527$343$57
34 years$1,645$1,121$745$485$311$48
35 years$1,581$1,063$697$447$282$41
36 years$1,520$1,009$652$411$255$34
37 years$1,463$959$610$379$231$29
38 years$1,408$911$571$349$210$25
39 years$1,357$866$535$322$190$21
40 years$1,308$824$502$297$172$18
41 years$1,262$785$470$274$156$15
42 years$1,218$747$441$253$142$13
43 years$1,177$712$414$234$129$11
44 years$1,137$679$389$216$117$9
45 years$1,099$647$365$199$106$8
46 years$1,063$617$343$184$96$7
47 years$1,029$589$322$170$88$6
48 years$996$562$303$157$79$5
49 years$964$537$284$145$72$4
50 years$934$513$267$134$66$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $957,000, adding $4,166 every year, while hoping to spend $37,085 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: 62/32/6 Blend
51$957,000$957,000$957,000$957,000
52$1,058,911$1,008,190$993,357$1,123,170
53$1,127,462$1,018,133$987,176$1,176,502
54$1,201,762$1,027,321$979,545$1,229,979
55$1,282,359$1,035,676$970,377$1,287,385
56$1,369,854$1,043,119$959,579$1,349,101
57$1,464,909$1,049,562$947,055$1,415,543
58$1,568,253$1,054,914$932,705$1,487,172
59$1,680,686$1,059,076$916,422$1,564,496
60$1,803,091$1,061,945$898,097$1,648,076
61$1,936,436$1,063,411$877,613$1,738,530
62$2,081,790$1,063,355$854,850$1,836,540
63$2,240,327$1,061,654$829,682$1,942,860
64$2,413,340$1,058,174$801,976$2,058,320
65$2,602,251$1,052,776$771,593$2,183,838
66$2,808,629$1,045,310$738,389$2,320,424
67$3,034,196$1,035,618$702,213$2,469,194
68$3,280,853$1,023,532$662,906$2,631,381
69$3,550,690$1,008,874$620,303$2,808,342
70$3,846,008$991,457$574,231$3,001,577
71$4,169,343$971,081$524,510$3,212,740
72$4,523,486$947,534$470,951$3,443,655
73$4,911,512$920,593$413,357$3,696,336
74$5,336,804$890,020$351,523$3,973,003
75$5,803,093$855,565$285,234$4,276,106
76$6,314,483$816,963$214,264$4,608,349
77$6,875,499$773,933$138,381$4,972,713
78$7,491,123$726,179$57,339$5,372,488
79$8,166,841$673,385$0$5,811,301
80$8,908,698$615,220$0$6,295,021
81$9,723,353$551,334$0$6,830,235
82$10,618,141$481,356$0$7,418,156
83$11,601,143$404,893$0$8,064,172
84$12,681,258$321,532$0$8,774,227
85$13,868,295$230,835$0$9,554,875
86$15,173,057$132,341$0$10,413,341
87$16,607,445$25,562$0$11,357,594
88$18,184,572$0$0$12,396,421
89$19,918,887$0$0$13,571,207
90$21,826,306$0$0$14,873,229
91$23,924,366$0$0$16,305,467
92$26,232,388$0$0$17,881,122
93$28,771,663$0$0$19,614,736
94$31,565,647$0$0$21,522,336
95$34,640,183$0$0$23,621,578
96$38,023,750$0$0$25,931,918
97$41,747,725$0$0$28,474,792
98$45,846,679$0$0$31,273,821
99$50,358,709$0$0$34,355,030
100$55,325,789$0$0$37,747,099