Can I retire at age 52 with 965,000?

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 $965,000?

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$79,689$78,979$78,286$77,610$76,950$74,339
2 years$39,450$38,715$38,003$37,313$36,643$34,038
3 years$26,039$25,301$24,591$23,907$23,248$20,731
4 years$19,334$18,599$17,896$17,223$16,581$14,171
5 years$15,313$14,582$13,888$13,229$12,604$10,309
6 years$12,633$11,907$11,223$10,580$9,973$7,794
7 years$10,719$9,999$9,327$8,698$8,111$6,047
8 years$9,285$8,571$7,910$7,297$6,729$4,779
9 years$8,169$7,463$6,813$6,215$5,667$3,829
10 years$7,278$6,578$5,939$5,357$4,828$3,099
11 years$6,549$5,856$5,229$4,663$4,152$2,528
12 years$5,942$5,256$4,641$4,090$3,598$2,076
13 years$5,428$4,750$4,146$3,611$3,138$1,713
14 years$4,989$4,318$3,725$3,205$2,751$1,419
15 years$4,608$3,944$3,363$2,858$2,422$1,179
16 years$4,275$3,619$3,049$2,559$2,141$983
17 years$3,982$3,333$2,775$2,300$1,898$821
18 years$3,722$3,080$2,533$2,072$1,688$687
19 years$3,489$2,854$2,319$1,873$1,504$576
20 years$3,280$2,652$2,128$1,696$1,344$483
21 years$3,091$2,470$1,958$1,539$1,202$406
22 years$2,919$2,306$1,804$1,399$1,078$341
23 years$2,763$2,157$1,666$1,275$967$287
24 years$2,619$2,021$1,541$1,162$870$242
25 years$2,488$1,896$1,427$1,062$782$204
26 years$2,367$1,782$1,323$971$705$172
27 years$2,255$1,677$1,229$888$635$145
28 years$2,151$1,581$1,142$814$573$122
29 years$2,054$1,491$1,063$746$518$103
30 years$1,964$1,408$990$685$468$87
31 years$1,880$1,331$923$629$423$73
32 years$1,802$1,260$861$578$383$62
33 years$1,728$1,193$804$532$346$52
34 years$1,659$1,131$751$489$313$44
35 years$1,594$1,072$703$450$284$37
36 years$1,533$1,018$657$415$257$31
37 years$1,475$967$615$382$233$26
38 years$1,420$919$576$352$211$22
39 years$1,368$874$540$325$192$19
40 years$1,319$831$506$300$174$16
41 years$1,273$791$474$276$158$13
42 years$1,229$753$445$255$143$11
43 years$1,187$718$418$235$130$10
44 years$1,147$684$392$217$118$8
45 years$1,108$653$368$201$107$7
46 years$1,072$623$346$185$97$6
47 years$1,037$594$325$171$88$5
48 years$1,004$567$305$158$80$4
49 years$973$542$287$146$73$3
50 years$942$517$270$135$66$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $965,000, adding $6,045 every year, while hoping to spend $31,805 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: 70/8/22 Blend
51$965,000$965,000$965,000$965,000
52$1,069,665$1,018,520$1,003,563$1,138,279
53$1,144,931$1,034,588$1,003,342$1,200,951
54$1,226,808$1,050,376$1,002,048$1,265,229
55$1,315,936$1,065,839$999,611$1,334,817
56$1,413,022$1,080,925$995,958$1,410,238
57$1,518,840$1,095,580$991,012$1,492,069
58$1,634,245$1,109,747$984,694$1,580,944
59$1,760,177$1,123,363$976,920$1,677,566
60$1,897,670$1,136,363$967,602$1,782,706
61$2,047,862$1,148,675$956,647$1,897,217
62$2,212,008$1,160,224$943,958$2,022,036
63$2,391,488$1,170,930$929,436$2,158,199
64$2,587,821$1,180,706$912,973$2,306,848
65$2,802,680$1,189,463$894,460$2,469,240
66$3,037,909$1,197,102$873,779$2,646,763
67$3,295,536$1,203,520$850,811$2,840,944
68$3,577,795$1,208,607$825,427$3,053,470
69$3,887,147$1,212,246$797,496$3,286,200
70$4,226,302$1,214,312$766,879$3,541,181
71$4,598,245$1,214,673$733,429$3,820,672
72$5,006,263$1,213,190$696,996$4,127,163
73$5,453,978$1,209,712$657,422$4,463,399
74$5,945,377$1,204,081$614,539$4,832,405
75$6,484,854$1,196,130$568,175$5,237,518
76$7,077,250$1,185,681$518,149$5,682,415
77$7,727,894$1,172,544$464,271$6,171,149
78$8,442,660$1,156,519$406,345$6,708,189
79$9,228,017$1,137,394$344,164$7,298,463
80$10,091,094$1,114,945$277,512$7,947,399
81$11,039,741$1,088,934$206,165$8,660,984
82$12,082,610$1,059,107$129,887$9,445,817
83$13,229,232$1,025,199$48,433$10,309,172
84$14,490,106$986,926$0$11,259,067
85$15,876,801$943,990$0$12,313,376
86$17,402,064$896,074$0$13,485,526
87$19,079,937$842,844$0$14,774,941
88$20,925,893$783,946$0$16,193,526
89$22,956,980$719,005$0$17,754,400
90$25,191,983$647,627$0$19,472,020
91$27,651,597$569,394$0$21,362,315
92$30,358,628$483,862$0$23,442,840
93$33,338,204$390,567$0$25,732,939
94$36,618,010$289,014$0$28,253,926
95$40,228,555$178,684$0$31,029,291
96$44,203,455$59,026$0$34,084,919
97$48,579,748$0$0$37,449,334
98$53,398,252$0$0$41,160,177
99$58,703,938$0$0$45,252,000
100$64,546,366$0$0$49,757,834