Can I retire at age 52 with 962,000?

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 $962,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.6%
1 years$79,441$78,733$78,043$77,369$76,711$73,755
2 years$39,327$38,595$37,885$37,197$36,529$33,586
3 years$25,958$25,222$24,514$23,832$23,176$20,338
4 years$19,274$18,541$17,840$17,170$16,529$13,819
5 years$15,265$14,536$13,845$13,188$12,565$9,989
6 years$12,593$11,870$11,188$10,547$9,942$7,503
7 years$10,686$9,968$9,298$8,671$8,086$5,781
8 years$9,256$8,545$7,885$7,274$6,708$4,537
9 years$8,144$7,440$6,791$6,196$5,649$3,608
10 years$7,255$6,558$5,921$5,341$4,813$2,898
11 years$6,528$5,838$5,213$4,648$4,140$2,346
12 years$5,923$5,240$4,626$4,077$3,587$1,911
13 years$5,411$4,735$4,133$3,599$3,128$1,564
14 years$4,973$4,304$3,714$3,195$2,742$1,285
15 years$4,594$3,932$3,353$2,849$2,414$1,059
16 years$4,262$3,608$3,040$2,551$2,134$875
17 years$3,970$3,322$2,766$2,292$1,892$724
18 years$3,710$3,070$2,525$2,066$1,682$601
19 years$3,478$2,845$2,312$1,867$1,499$499
20 years$3,270$2,644$2,122$1,691$1,339$415
21 years$3,081$2,463$1,951$1,534$1,199$345
22 years$2,910$2,299$1,799$1,395$1,074$287
23 years$2,754$2,150$1,661$1,271$964$240
24 years$2,611$2,015$1,536$1,159$867$200
25 years$2,480$1,891$1,422$1,058$780$167
26 years$2,359$1,777$1,319$968$703$139
27 years$2,248$1,672$1,225$886$633$116
28 years$2,144$1,576$1,139$812$572$97
29 years$2,048$1,486$1,060$744$516$81
30 years$1,958$1,404$987$683$466$68
31 years$1,875$1,327$920$627$422$57
32 years$1,796$1,256$859$576$381$47
33 years$1,723$1,189$802$530$345$39
34 years$1,654$1,127$749$488$312$33
35 years$1,589$1,069$700$449$283$28
36 years$1,528$1,015$655$414$256$23
37 years$1,470$964$613$381$232$19
38 years$1,416$916$574$351$211$16
39 years$1,364$871$538$324$191$13
40 years$1,315$829$504$299$173$11
41 years$1,269$789$473$276$157$9
42 years$1,225$751$444$254$143$8
43 years$1,183$716$416$235$129$7
44 years$1,143$682$391$217$118$5
45 years$1,105$651$367$200$107$5
46 years$1,069$621$345$185$97$4
47 years$1,034$592$324$171$88$3
48 years$1,001$565$304$158$80$3
49 years$969$540$286$146$73$2
50 years$939$516$269$135$66$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $962,000, adding $6,788 every year, while hoping to spend $25,719 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: 64/31/5 Blend
51$962,000$962,000$962,000$962,000
52$1,067,126$1,016,140$1,001,229$1,134,224
53$1,148,608$1,038,566$1,007,405$1,202,127
54$1,237,539$1,061,229$1,012,926$1,272,574
55$1,334,652$1,084,113$1,017,744$1,348,830
56$1,440,753$1,107,201$1,021,805$1,431,454
57$1,556,731$1,130,475$1,025,056$1,521,065
58$1,683,563$1,153,913$1,027,441$1,618,342
59$1,822,325$1,177,494$1,028,898$1,724,034
60$1,974,202$1,201,191$1,029,366$1,838,966
61$2,140,500$1,224,978$1,028,779$1,964,045
62$2,322,655$1,248,827$1,027,068$2,100,273
63$2,522,251$1,272,704$1,024,160$2,248,752
64$2,741,030$1,296,576$1,019,978$2,410,696
65$2,980,912$1,320,405$1,014,445$2,587,443
66$3,244,011$1,344,152$1,007,475$2,780,466
67$3,532,656$1,367,771$998,982$2,991,390
68$3,849,413$1,391,218$988,873$3,222,004
69$4,197,106$1,414,441$977,053$3,474,278
70$4,578,848$1,437,385$963,422$3,750,387
71$4,998,068$1,459,994$947,873$4,052,722
72$5,458,541$1,482,204$930,297$4,383,923
73$5,964,428$1,503,949$910,579$4,746,895
74$6,520,314$1,525,156$888,597$5,144,842
75$7,131,246$1,545,749$864,225$5,581,293
76$7,802,788$1,565,645$837,332$6,060,139
77$8,541,068$1,584,758$807,778$6,585,666
78$9,352,839$1,602,992$775,420$7,162,598
79$10,245,538$1,620,248$740,106$7,796,141
80$11,227,361$1,636,419$701,679$8,492,033
81$12,307,340$1,651,391$659,972$9,256,597
82$13,495,422$1,665,043$614,815$10,096,802
83$14,802,569$1,677,244$566,025$11,020,328
84$16,240,860$1,687,858$513,416$12,035,638
85$17,823,602$1,696,737$456,790$13,152,061
86$19,565,458$1,703,726$395,941$14,379,877
87$21,482,585$1,708,659$330,655$15,730,415
88$23,592,784$1,711,359$260,707$17,216,163
89$25,915,671$1,711,639$185,864$18,850,882
90$28,472,860$1,709,300$105,881$20,649,739
91$31,288,167$1,704,130$20,504$22,629,449
92$34,387,834$1,695,907$0$24,808,433
93$37,800,778$1,684,391$0$27,210,762
94$41,558,861$1,669,330$0$29,856,457
95$45,697,195$1,650,457$0$32,769,097
96$50,254,468$1,627,488$0$35,975,878
97$55,273,311$1,600,123$0$39,506,769
98$60,800,703$1,568,043$0$43,394,798
99$66,888,408$1,530,911$0$47,676,366
100$73,593,469$1,488,369$0$52,391,587