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%12.7%
1 years$79,606$78,897$78,205$77,530$76,871$76,005
2 years$39,409$38,675$37,964$37,274$36,605$35,733
3 years$26,012$25,275$24,565$23,882$23,224$22,373
4 years$19,314$18,579$17,877$17,206$16,563$15,741
5 years$15,297$14,567$13,873$13,215$12,591$11,799
6 years$12,620$11,895$11,212$10,569$9,963$9,202
7 years$10,708$9,989$9,317$8,689$8,103$7,373
8 years$9,275$8,563$7,902$7,289$6,722$6,023
9 years$8,161$7,455$6,806$6,209$5,661$4,994
10 years$7,270$6,571$5,933$5,352$4,823$4,187
11 years$6,542$5,850$5,224$4,658$4,148$3,542
12 years$5,935$5,251$4,636$4,085$3,595$3,018
13 years$5,423$4,745$4,142$3,607$3,135$2,587
14 years$4,984$4,313$3,721$3,202$2,748$2,228
15 years$4,603$3,940$3,360$2,855$2,419$1,927
16 years$4,271$3,615$3,046$2,557$2,138$1,672
17 years$3,978$3,329$2,772$2,297$1,896$1,455
18 years$3,718$3,076$2,530$2,070$1,686$1,270
19 years$3,485$2,851$2,317$1,871$1,503$1,110
20 years$3,276$2,650$2,126$1,694$1,342$972
21 years$3,088$2,468$1,955$1,538$1,201$853
22 years$2,916$2,304$1,802$1,398$1,077$750
23 years$2,760$2,155$1,664$1,273$966$659
24 years$2,617$2,019$1,539$1,161$869$581
25 years$2,485$1,894$1,425$1,061$782$512
26 years$2,364$1,781$1,322$970$704$451
27 years$2,252$1,676$1,228$888$635$398
28 years$2,149$1,579$1,141$813$573$352
29 years$2,052$1,490$1,062$746$517$311
30 years$1,962$1,407$989$684$467$275
31 years$1,878$1,330$922$629$422$243
32 years$1,800$1,258$860$578$382$215
33 years$1,726$1,192$803$531$346$190
34 years$1,657$1,129$751$489$313$169
35 years$1,592$1,071$702$450$284$149
36 years$1,531$1,017$657$414$257$132
37 years$1,473$966$614$382$233$117
38 years$1,419$918$575$352$211$104
39 years$1,367$873$539$324$191$92
40 years$1,318$830$505$299$174$82
41 years$1,271$790$474$276$158$72
42 years$1,227$753$444$255$143$64
43 years$1,185$717$417$235$130$57
44 years$1,145$684$392$217$118$50
45 years$1,107$652$368$201$107$45
46 years$1,071$622$345$185$97$40
47 years$1,036$593$324$171$88$35
48 years$1,003$567$305$158$80$31
49 years$972$541$287$146$73$28
50 years$941$517$269$135$66$25

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $964,000, adding $6,986 every year, while hoping to spend $29,215 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: 58/30/12 Blend
51$964,000$964,000$964,000$964,000
52$1,069,534$1,018,442$1,003,500$1,128,000
53$1,147,542$1,037,261$1,006,033$1,187,078
54$1,232,528$1,056,023$1,007,671$1,247,581
55$1,325,172$1,074,695$1,008,354$1,312,835
56$1,426,224$1,093,239$1,008,019$1,383,299
57$1,536,508$1,111,618$1,006,597$1,459,480
58$1,656,934$1,129,788$1,004,020$1,541,936
59$1,788,499$1,147,706$1,000,212$1,631,282
60$1,932,304$1,165,322$995,098$1,728,198
61$2,089,561$1,182,585$988,596$1,833,431
62$2,261,603$1,199,439$980,621$1,947,807
63$2,449,899$1,215,824$971,084$2,072,232
64$2,656,067$1,231,676$959,893$2,207,711
65$2,881,886$1,246,929$946,949$2,355,347
66$3,129,317$1,261,508$932,152$2,516,359
67$3,400,522$1,275,336$915,393$2,692,090
68$3,697,878$1,288,330$896,561$2,884,019
69$4,024,004$1,300,401$875,539$3,093,780
70$4,381,788$1,311,456$852,205$3,323,171
71$4,774,407$1,321,393$826,430$3,574,177
72$5,205,361$1,330,107$798,080$3,848,985
73$5,678,508$1,337,482$767,016$4,150,007
74$6,198,095$1,343,397$733,090$4,479,902
75$6,768,801$1,347,725$696,149$4,841,602
76$7,395,783$1,350,327$656,034$5,238,338
77$8,084,718$1,351,059$612,577$5,673,675
78$8,841,864$1,349,765$565,603$6,151,540
79$9,674,113$1,346,282$514,929$6,676,264
80$10,589,057$1,340,435$460,364$7,252,624
81$11,595,064$1,332,040$401,709$7,885,883
82$12,701,351$1,320,899$338,756$8,581,846
83$13,918,071$1,306,806$271,287$9,346,910
84$15,256,414$1,289,540$199,076$10,188,129
85$16,728,708$1,268,866$121,884$11,113,280
86$18,348,533$1,244,538$39,464$12,130,936
87$20,130,856$1,216,293$0$13,250,547
88$22,092,165$1,183,853$0$14,488,740
89$24,250,629$1,146,925$0$15,856,589
90$26,626,265$1,105,196$0$17,361,731
91$29,241,132$1,058,339$0$19,018,160
92$32,119,533$1,006,003$0$20,841,302
93$35,288,249$947,820$0$22,848,157
94$38,776,788$883,401$0$25,057,463
95$42,617,666$812,334$0$27,489,873
96$46,846,712$734,182$0$30,168,149
97$51,503,404$648,485$0$33,117,380
98$56,631,247$554,756$0$36,365,219
99$62,278,176$452,481$0$39,942,142
100$68,497,014$341,117$0$43,881,740