Can I retire at age 52 with 969,000?

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 $969,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17%
1 years$80,019$79,306$78,611$77,932$77,269$75,067
2 years$39,613$38,876$38,161$37,467$36,795$34,593
3 years$26,147$25,406$24,692$24,006$23,344$21,212
4 years$19,415$18,676$17,970$17,295$16,649$14,603
5 years$15,376$14,642$13,945$13,284$12,657$10,702
6 years$12,685$11,956$11,270$10,623$10,015$8,153
7 years$10,764$10,041$9,365$8,734$8,145$6,377
8 years$9,323$8,607$7,943$7,327$6,757$5,081
9 years$8,203$7,494$6,841$6,241$5,690$4,105
10 years$7,308$6,606$5,964$5,380$4,848$3,352
11 years$6,576$5,880$5,251$4,682$4,170$2,760
12 years$5,966$5,278$4,660$4,107$3,613$2,287
13 years$5,451$4,770$4,163$3,626$3,151$1,905
14 years$5,009$4,336$3,741$3,218$2,762$1,594
15 years$4,627$3,961$3,377$2,870$2,432$1,338
16 years$4,293$3,634$3,062$2,570$2,149$1,126
17 years$3,999$3,347$2,786$2,309$1,906$950
18 years$3,737$3,092$2,544$2,081$1,695$804
19 years$3,503$2,866$2,329$1,880$1,510$681
20 years$3,293$2,663$2,137$1,703$1,349$577
21 years$3,104$2,481$1,966$1,546$1,207$490
22 years$2,931$2,316$1,812$1,405$1,082$417
23 years$2,774$2,166$1,673$1,280$971$354
24 years$2,630$2,029$1,547$1,167$873$302
25 years$2,498$1,904$1,433$1,066$786$257
26 years$2,377$1,790$1,329$975$708$219
27 years$2,264$1,684$1,234$892$638$187
28 years$2,160$1,587$1,147$817$576$159
29 years$2,063$1,497$1,068$750$520$136
30 years$1,972$1,414$994$688$470$116
31 years$1,888$1,337$927$632$425$99
32 years$1,809$1,265$865$581$384$84
33 years$1,735$1,198$808$534$348$72
34 years$1,666$1,135$755$491$315$62
35 years$1,601$1,077$705$452$285$53
36 years$1,539$1,022$660$417$258$45
37 years$1,481$971$618$384$234$38
38 years$1,426$922$578$354$212$33
39 years$1,374$877$542$326$192$28
40 years$1,325$835$508$301$175$24
41 years$1,278$794$476$278$158$20
42 years$1,234$757$447$256$144$17
43 years$1,191$721$419$236$130$15
44 years$1,151$687$394$218$118$13
45 years$1,113$655$370$202$107$11
46 years$1,077$625$347$186$98$9
47 years$1,042$597$326$172$89$8
48 years$1,008$569$306$159$80$7
49 years$977$544$288$147$73$6
50 years$946$519$271$136$66$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $969,000, adding $4,648 every year, while hoping to spend $44,399 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: 46/27/27 Blend
51$969,000$969,000$969,000$969,000
52$1,072,632$1,021,275$1,006,256$1,113,454
53$1,134,801$1,024,078$992,725$1,145,587
54$1,201,822$1,025,529$977,253$1,175,758
55$1,274,145$1,025,517$959,728$1,207,632
56$1,352,261$1,023,921$940,033$1,241,392
57$1,436,712$1,020,613$918,044$1,277,242
58$1,528,092$1,015,459$893,634$1,315,410
59$1,627,056$1,008,315$866,669$1,356,149
60$1,734,321$999,028$837,008$1,399,741
61$1,850,679$987,437$804,505$1,446,500
62$1,976,998$973,371$769,005$1,496,776
63$2,114,234$956,649$730,349$1,550,957
64$2,263,439$937,078$688,369$1,609,475
65$2,425,770$914,455$642,890$1,672,810
66$2,602,500$888,564$593,728$1,741,496
67$2,795,029$859,178$540,692$1,816,125
68$3,004,899$826,055$483,582$1,897,354
69$3,233,807$788,939$422,190$1,985,912
70$3,483,618$747,561$356,297$2,082,608
71$3,756,390$701,633$285,675$2,188,342
72$4,054,383$650,855$210,087$2,304,106
73$4,380,089$594,906$129,284$2,431,004
74$4,736,251$533,449$43,007$2,570,260
75$5,125,886$466,126$0$2,723,225
76$5,552,321$392,560$0$2,905,537
77$6,019,215$312,353$0$3,118,860
78$6,530,600$225,083$0$3,352,716
79$7,090,914$130,306$0$3,609,229
80$7,705,048$27,551$0$3,890,744
81$8,378,386$0$0$4,199,848
82$9,116,858$0$0$4,564,260
83$9,926,997$0$0$4,973,131
84$10,815,996$0$0$5,421,923
85$11,791,781$0$0$5,914,649
86$12,863,082$0$0$6,455,733
87$14,039,515$0$0$7,050,048
88$15,331,672$0$0$7,702,962
89$16,751,223$0$0$8,420,389
90$18,311,024$0$0$9,208,842
91$20,025,236$0$0$10,075,499
92$21,909,463$0$0$11,028,267
93$23,980,892$0$0$12,075,856
94$26,258,462$0$0$13,227,865
95$28,763,038$0$0$14,494,868
96$31,517,605$0$0$15,888,514
97$34,547,492$0$0$17,421,640
98$37,880,603$0$0$19,108,388
99$41,547,683$0$0$20,964,342
100$45,582,607$0$0$23,006,670