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%18.4%
1 years$79,028$78,324$77,637$76,967$76,313$73,722
2 years$39,123$38,394$37,688$37,003$36,339$33,756
3 years$25,823$25,091$24,387$23,708$23,055$20,559
4 years$19,174$18,445$17,747$17,081$16,443$14,054
5 years$15,186$14,461$13,773$13,120$12,500$10,224
6 years$12,528$11,808$11,130$10,492$9,891$7,730
7 years$10,630$9,917$9,249$8,626$8,044$5,997
8 years$9,208$8,500$7,844$7,236$6,673$4,740
9 years$8,102$7,401$6,756$6,164$5,620$3,797
10 years$7,217$6,524$5,890$5,313$4,788$3,073
11 years$6,494$5,808$5,186$4,624$4,118$2,507
12 years$5,892$5,213$4,602$4,056$3,569$2,059
13 years$5,383$4,711$4,112$3,581$3,112$1,699
14 years$4,947$4,282$3,694$3,178$2,728$1,407
15 years$4,570$3,912$3,336$2,835$2,402$1,170
16 years$4,240$3,589$3,024$2,538$2,123$975
17 years$3,949$3,305$2,752$2,280$1,882$814
18 years$3,691$3,054$2,512$2,055$1,674$681
19 years$3,460$2,831$2,300$1,857$1,492$571
20 years$3,253$2,630$2,111$1,682$1,332$479
21 years$3,065$2,450$1,941$1,526$1,192$402
22 years$2,895$2,287$1,789$1,388$1,069$338
23 years$2,740$2,139$1,652$1,264$959$285
24 years$2,598$2,004$1,528$1,153$862$240
25 years$2,467$1,881$1,415$1,053$776$202
26 years$2,347$1,768$1,312$963$699$170
27 years$2,236$1,663$1,219$881$630$143
28 years$2,133$1,568$1,133$807$569$121
29 years$2,037$1,479$1,054$740$513$102
30 years$1,948$1,397$982$679$464$86
31 years$1,865$1,320$916$624$419$73
32 years$1,787$1,249$854$573$379$61
33 years$1,714$1,183$798$527$343$52
34 years$1,645$1,121$745$485$311$44
35 years$1,581$1,063$697$447$282$37
36 years$1,520$1,009$652$411$255$31
37 years$1,463$959$610$379$231$26
38 years$1,408$911$571$349$210$22
39 years$1,357$866$535$322$190$19
40 years$1,308$824$502$297$172$16
41 years$1,262$785$470$274$156$13
42 years$1,218$747$441$253$142$11
43 years$1,177$712$414$234$129$10
44 years$1,137$679$389$216$117$8
45 years$1,099$647$365$199$106$7
46 years$1,063$617$343$184$96$6
47 years$1,029$589$322$170$88$5
48 years$996$562$303$157$79$4
49 years$964$537$284$145$72$3
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 $5,199 every year, while hoping to spend $24,250 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: 36/47/17 Blend
51$957,000$957,000$957,000$957,000
52$1,059,977$1,009,256$994,422$1,092,471
53$1,142,293$1,032,907$1,001,934$1,140,148
54$1,232,192$1,056,905$1,008,884$1,188,919
55$1,330,423$1,081,241$1,015,228$1,241,057
56$1,437,808$1,105,904$1,020,921$1,296,875
57$1,555,255$1,130,884$1,025,912$1,356,719
58$1,683,761$1,156,167$1,030,150$1,420,971
59$1,824,425$1,181,740$1,033,581$1,490,049
60$1,978,459$1,207,588$1,036,149$1,564,415
61$2,147,194$1,233,692$1,037,792$1,644,581
62$2,332,099$1,260,033$1,038,449$1,731,107
63$2,534,789$1,286,591$1,038,053$1,824,613
64$2,757,045$1,313,342$1,036,535$1,925,781
65$3,000,829$1,340,261$1,033,824$2,035,365
66$3,268,299$1,367,319$1,029,843$2,154,194
67$3,561,834$1,394,487$1,024,512$2,283,183
68$3,884,056$1,421,731$1,017,747$2,423,341
69$4,237,850$1,449,016$1,009,462$2,575,779
70$4,626,396$1,476,303$999,564$2,741,725
71$5,053,196$1,503,550$987,958$2,922,530
72$5,522,110$1,530,712$974,543$3,119,685
73$6,037,389$1,557,740$959,213$3,334,834
74$6,603,714$1,584,581$941,858$3,569,790
75$7,226,245$1,611,178$922,363$3,826,550
76$7,910,667$1,637,470$900,607$4,107,320
77$8,663,241$1,663,392$876,463$4,414,528
78$9,490,866$1,688,874$849,799$4,750,854
79$10,401,145$1,713,839$820,478$5,119,252
80$11,402,452$1,738,207$788,354$5,522,980
81$12,504,014$1,761,891$753,276$5,965,629
82$13,715,999$1,784,799$715,086$6,451,159
83$15,049,608$1,806,832$673,619$6,983,936
84$16,517,185$1,827,883$628,702$7,568,775
85$18,132,329$1,847,841$580,155$8,210,984
86$19,910,025$1,866,583$527,788$8,916,415
87$21,866,784$1,883,982$471,405$9,691,521
88$24,020,799$1,899,901$410,801$10,543,415
89$26,392,118$1,914,193$345,760$11,479,941
90$29,002,829$1,926,703$276,058$12,509,746
91$31,877,271$1,937,266$201,460$13,642,364
92$35,042,266$1,945,705$121,722$14,888,305
93$38,527,366$1,951,833$36,588$16,259,156
94$42,365,136$1,955,452$0$17,767,691
95$46,591,460$1,956,349$0$19,437,838
96$51,245,879$1,954,300$0$21,282,999
97$56,371,964$1,949,066$0$23,313,699
98$62,017,729$1,940,395$0$25,548,861
99$68,236,080$1,928,017$0$28,009,341
100$75,085,319$1,911,648$0$30,718,127