Can I retire at age 52 with 964,000?

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 $964,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%19.4%
1 years$79,606$78,897$78,205$77,530$76,871$73,967
2 years$39,409$38,675$37,964$37,274$36,605$33,713
3 years$26,012$25,275$24,565$23,882$23,224$20,435
4 years$19,314$18,579$17,877$17,206$16,563$13,899
5 years$15,297$14,567$13,873$13,215$12,591$10,058
6 years$12,620$11,895$11,212$10,569$9,963$7,562
7 years$10,708$9,989$9,317$8,689$8,103$5,834
8 years$9,275$8,563$7,902$7,289$6,722$4,583
9 years$8,161$7,455$6,806$6,209$5,661$3,649
10 years$7,270$6,571$5,933$5,352$4,823$2,935
11 years$6,542$5,850$5,224$4,658$4,148$2,379
12 years$5,935$5,251$4,636$4,085$3,595$1,940
13 years$5,423$4,745$4,142$3,607$3,135$1,590
14 years$4,984$4,313$3,721$3,202$2,748$1,308
15 years$4,603$3,940$3,360$2,855$2,419$1,080
16 years$4,271$3,615$3,046$2,557$2,138$893
17 years$3,978$3,329$2,772$2,297$1,896$741
18 years$3,718$3,076$2,530$2,070$1,686$615
19 years$3,485$2,851$2,317$1,871$1,503$512
20 years$3,276$2,650$2,126$1,694$1,342$426
21 years$3,088$2,468$1,955$1,538$1,201$355
22 years$2,916$2,304$1,802$1,398$1,077$296
23 years$2,760$2,155$1,664$1,273$966$247
24 years$2,617$2,019$1,539$1,161$869$207
25 years$2,485$1,894$1,425$1,061$782$173
26 years$2,364$1,781$1,322$970$704$144
27 years$2,252$1,676$1,228$888$635$121
28 years$2,149$1,579$1,141$813$573$101
29 years$2,052$1,490$1,062$746$517$84
30 years$1,962$1,407$989$684$467$71
31 years$1,878$1,330$922$629$422$59
32 years$1,800$1,258$860$578$382$49
33 years$1,726$1,192$803$531$346$41
34 years$1,657$1,129$751$489$313$35
35 years$1,592$1,071$702$450$284$29
36 years$1,531$1,017$657$414$257$24
37 years$1,473$966$614$382$233$20
38 years$1,419$918$575$352$211$17
39 years$1,367$873$539$324$191$14
40 years$1,318$830$505$299$174$12
41 years$1,271$790$474$276$158$10
42 years$1,227$753$444$255$143$8
43 years$1,185$717$417$235$130$7
44 years$1,145$684$392$217$118$6
45 years$1,107$652$368$201$107$5
46 years$1,071$622$345$185$97$4
47 years$1,036$593$324$171$88$3
48 years$1,003$567$305$158$80$3
49 years$972$541$287$146$73$2
50 years$941$517$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 $964,000, adding $4,012 every year, while hoping to spend $35,195 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: 77/12/11 Blend
51$964,000$964,000$964,000$964,000
52$1,066,466$1,015,374$1,000,432$1,146,124
53$1,137,799$1,027,681$996,500$1,211,419
54$1,215,227$1,039,410$991,256$1,278,104
55$1,299,337$1,050,498$984,619$1,350,223
56$1,390,771$1,060,873$976,505$1,428,302
57$1,490,236$1,070,463$966,825$1,512,924
58$1,598,512$1,079,187$955,485$1,604,726
59$1,716,454$1,086,961$942,388$1,704,416
60$1,845,005$1,093,695$927,431$1,812,769
61$1,985,203$1,099,294$910,507$1,930,643
62$2,138,190$1,103,655$891,505$2,058,980
63$2,305,222$1,106,671$870,307$2,198,820
64$2,487,682$1,108,225$846,790$2,351,309
65$2,687,094$1,108,197$820,826$2,517,709
66$2,905,135$1,106,456$792,281$2,699,412
67$3,143,651$1,102,864$761,014$2,897,951
68$3,404,674$1,097,275$726,879$3,115,016
69$3,690,444$1,089,535$689,722$3,352,470
70$4,003,424$1,079,477$649,383$3,612,365
71$4,346,330$1,066,928$605,694$3,896,964
72$4,722,151$1,051,703$558,480$4,208,760
73$5,134,179$1,033,605$507,558$4,550,503
74$5,586,040$1,012,427$452,736$4,925,220
75$6,081,729$987,949$393,816$5,336,252
76$6,625,645$959,937$330,588$5,787,278
77$7,222,633$928,146$262,835$6,282,353
78$7,878,030$892,314$190,328$6,825,949
79$8,597,717$852,165$112,832$7,422,994
80$9,388,169$807,407$30,097$8,078,917
81$10,256,523$757,730$0$8,799,706
82$11,210,637$702,808$0$9,598,789
83$12,259,172$642,295$0$10,480,821
84$13,411,666$575,826$0$11,450,315
85$14,678,630$503,015$0$12,516,140
86$16,071,642$423,454$0$13,688,070
87$17,603,458$336,712$0$14,976,874
88$19,288,133$242,334$0$16,394,421
89$21,141,153$139,839$0$17,953,791
90$23,179,578$28,718$0$19,669,396
91$25,422,206$0$0$21,557,120
92$27,889,749$0$0$23,646,556
93$30,605,028$0$0$25,949,980
94$33,593,186$0$0$28,484,934
95$36,881,930$0$0$31,274,928
96$40,501,786$0$0$34,345,863
97$44,486,391$0$0$37,726,282
98$48,872,809$0$0$41,447,634
99$53,701,879$0$0$45,544,571
100$59,018,601$0$0$50,055,279