Can I retire at age 52 with 957,000?

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 $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%16.1%
1 years$79,028$78,324$77,637$76,967$76,313$74,407
2 years$39,123$38,394$37,688$37,003$36,339$34,432
3 years$25,823$25,091$24,387$23,708$23,055$21,205
4 years$19,174$18,445$17,747$17,081$16,443$14,665
5 years$15,186$14,461$13,773$13,120$12,500$10,798
6 years$12,528$11,808$11,130$10,492$9,891$8,267
7 years$10,630$9,917$9,249$8,626$8,044$6,499
8 years$9,208$8,500$7,844$7,236$6,673$5,206
9 years$8,102$7,401$6,756$6,164$5,620$4,229
10 years$7,217$6,524$5,890$5,313$4,788$3,473
11 years$6,494$5,808$5,186$4,624$4,118$2,876
12 years$5,892$5,213$4,602$4,056$3,569$2,397
13 years$5,383$4,711$4,112$3,581$3,112$2,009
14 years$4,947$4,282$3,694$3,178$2,728$1,691
15 years$4,570$3,912$3,336$2,835$2,402$1,429
16 years$4,240$3,589$3,024$2,538$2,123$1,210
17 years$3,949$3,305$2,752$2,280$1,882$1,028
18 years$3,691$3,054$2,512$2,055$1,674$875
19 years$3,460$2,831$2,300$1,857$1,492$746
20 years$3,253$2,630$2,111$1,682$1,332$637
21 years$3,065$2,450$1,941$1,526$1,192$545
22 years$2,895$2,287$1,789$1,388$1,069$466
23 years$2,740$2,139$1,652$1,264$959$400
24 years$2,598$2,004$1,528$1,153$862$343
25 years$2,467$1,881$1,415$1,053$776$294
26 years$2,347$1,768$1,312$963$699$252
27 years$2,236$1,663$1,219$881$630$217
28 years$2,133$1,568$1,133$807$569$186
29 years$2,037$1,479$1,054$740$513$160
30 years$1,948$1,397$982$679$464$138
31 years$1,865$1,320$916$624$419$118
32 years$1,787$1,249$854$573$379$102
33 years$1,714$1,183$798$527$343$88
34 years$1,645$1,121$745$485$311$75
35 years$1,581$1,063$697$447$282$65
36 years$1,520$1,009$652$411$255$56
37 years$1,463$959$610$379$231$48
38 years$1,408$911$571$349$210$41
39 years$1,357$866$535$322$190$36
40 years$1,308$824$502$297$172$31
41 years$1,262$785$470$274$156$26
42 years$1,218$747$441$253$142$23
43 years$1,177$712$414$234$129$20
44 years$1,137$679$389$216$117$17
45 years$1,099$647$365$199$106$15
46 years$1,063$617$343$184$96$12
47 years$1,029$589$322$170$88$11
48 years$996$562$303$157$79$9
49 years$964$537$284$145$72$8
50 years$934$513$267$134$66$7

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $957,000, adding $6,650 every year, while hoping to spend $37,014 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: 78/16/6 Blend
51$957,000$957,000$957,000$957,000
52$1,061,473$1,010,752$995,919$1,143,188
53$1,130,361$1,020,897$989,900$1,207,865
54$1,205,035$1,030,298$982,438$1,273,278
55$1,286,046$1,038,879$973,447$1,343,909
56$1,374,000$1,046,562$962,835$1,420,260
57$1,469,563$1,053,259$950,505$1,502,884
58$1,573,470$1,058,880$936,359$1,592,390
59$1,686,527$1,063,328$920,289$1,689,448
60$1,809,621$1,066,499$902,188$1,794,799
61$1,943,729$1,068,285$881,938$1,909,255
62$2,089,927$1,068,568$859,420$2,033,714
63$2,249,397$1,067,225$834,508$2,169,164
64$2,423,441$1,064,125$807,069$2,316,694
65$2,613,492$1,059,127$776,967$2,477,506
66$2,821,129$1,052,085$744,056$2,652,920
67$3,048,089$1,042,842$708,186$2,844,396
68$3,296,283$1,031,230$669,200$3,053,538
69$3,567,817$1,017,074$626,931$3,282,118
70$3,865,011$1,000,187$581,210$3,532,087
71$4,190,416$980,370$531,855$3,805,593
72$4,546,845$957,415$478,678$4,105,009
73$4,937,393$931,098$421,484$4,432,945
74$5,365,470$901,185$360,067$4,792,280
75$5,834,832$867,427$294,213$5,186,188
76$6,349,614$829,560$223,698$5,618,165
77$6,914,373$787,307$148,290$6,092,068
78$7,534,125$740,371$67,744$6,612,143
79$8,214,399$688,442$0$7,183,075
80$8,961,282$631,190$0$7,811,191
81$9,781,480$568,266$0$8,505,719
82$10,682,383$499,303$0$9,268,605
83$11,672,129$423,911$0$10,106,780
84$12,759,683$341,680$0$11,027,883
85$13,954,922$252,174$0$12,040,329
86$15,268,730$154,936$0$13,153,397
87$16,713,093$49,481$0$14,377,309
88$18,301,221$0$0$15,723,333
89$20,047,665$0$0$17,215,278
90$21,968,457$0$0$18,865,782
91$24,081,261$0$0$20,681,316
92$26,405,541$0$0$22,678,607
93$28,962,738$0$0$24,876,088
94$31,776,481$0$0$27,294,066
95$34,872,800$0$0$29,954,917
96$38,280,381$0$0$32,883,296
97$42,030,827$0$0$36,106,369
98$46,158,963$0$0$39,654,068
99$50,703,161$0$0$43,559,374
100$55,705,699$0$0$47,858,631