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%18%
1 years$80,019$79,306$78,611$77,932$77,269$74,766
2 years$39,613$38,876$38,161$37,467$36,795$34,296
3 years$26,147$25,406$24,692$24,006$23,344$20,929
4 years$19,415$18,676$17,970$17,295$16,649$14,336
5 years$15,376$14,642$13,945$13,284$12,657$10,451
6 years$12,685$11,956$11,270$10,623$10,015$7,918
7 years$10,764$10,041$9,365$8,734$8,145$6,158
8 years$9,323$8,607$7,943$7,327$6,757$4,878
9 years$8,203$7,494$6,841$6,241$5,690$3,917
10 years$7,308$6,606$5,964$5,380$4,848$3,179
11 years$6,576$5,880$5,251$4,682$4,170$2,600
12 years$5,966$5,278$4,660$4,107$3,613$2,140
13 years$5,451$4,770$4,163$3,626$3,151$1,771
14 years$5,009$4,336$3,741$3,218$2,762$1,471
15 years$4,627$3,961$3,377$2,870$2,432$1,226
16 years$4,293$3,634$3,062$2,570$2,149$1,025
17 years$3,999$3,347$2,786$2,309$1,906$859
18 years$3,737$3,092$2,544$2,081$1,695$721
19 years$3,503$2,866$2,329$1,880$1,510$606
20 years$3,293$2,663$2,137$1,703$1,349$510
21 years$3,104$2,481$1,966$1,546$1,207$430
22 years$2,931$2,316$1,812$1,405$1,082$362
23 years$2,774$2,166$1,673$1,280$971$306
24 years$2,630$2,029$1,547$1,167$873$258
25 years$2,498$1,904$1,433$1,066$786$218
26 years$2,377$1,790$1,329$975$708$184
27 years$2,264$1,684$1,234$892$638$156
28 years$2,160$1,587$1,147$817$576$132
29 years$2,063$1,497$1,068$750$520$112
30 years$1,972$1,414$994$688$470$95
31 years$1,888$1,337$927$632$425$80
32 years$1,809$1,265$865$581$384$68
33 years$1,735$1,198$808$534$348$57
34 years$1,666$1,135$755$491$315$49
35 years$1,601$1,077$705$452$285$41
36 years$1,539$1,022$660$417$258$35
37 years$1,481$971$618$384$234$30
38 years$1,426$922$578$354$212$25
39 years$1,374$877$542$326$192$21
40 years$1,325$835$508$301$175$18
41 years$1,278$794$476$278$158$15
42 years$1,234$757$447$256$144$13
43 years$1,191$721$419$236$130$11
44 years$1,151$687$394$218$118$9
45 years$1,113$655$370$202$107$8
46 years$1,077$625$347$186$98$7
47 years$1,042$597$326$172$89$6
48 years$1,008$569$306$159$80$5
49 years$977$544$288$147$73$4
50 years$946$519$271$136$66$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $969,000, adding $3,548 every year, while hoping to spend $29,313 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: 68/13/19 Blend
51$969,000$969,000$969,000$969,000
52$1,071,498$1,020,141$1,005,121$1,139,124
53$1,149,602$1,038,939$1,007,604$1,203,564
54$1,234,690$1,057,676$1,009,188$1,270,273
55$1,327,444$1,076,317$1,009,811$1,342,526
56$1,428,613$1,094,827$1,009,409$1,420,870
57$1,539,023$1,113,165$1,007,916$1,505,903
58$1,659,583$1,131,290$1,005,261$1,598,287
59$1,791,293$1,149,155$1,001,370$1,698,752
60$1,935,254$1,166,713$996,165$1,808,099
61$2,092,678$1,183,910$989,564$1,927,216
62$2,264,900$1,200,691$981,484$2,057,078
63$2,453,391$1,216,995$971,834$2,198,760
64$2,659,767$1,232,758$960,521$2,353,449
65$2,885,812$1,247,912$947,448$2,522,451
66$3,133,489$1,262,384$932,511$2,707,207
67$3,404,957$1,276,094$915,603$2,909,305
68$3,702,600$1,288,959$896,612$3,130,496
69$4,029,037$1,300,890$875,421$3,372,709
70$4,387,157$1,311,792$851,906$3,638,072
71$4,780,141$1,321,564$825,938$3,928,928
72$5,211,492$1,330,097$797,384$4,247,863
73$5,685,071$1,337,278$766,103$4,597,726
74$6,205,127$1,342,984$731,946$4,981,656
75$6,776,345$1,347,085$694,761$5,403,116
76$7,403,883$1,349,443$654,387$5,865,921
77$8,093,425$1,349,912$610,655$6,374,278
78$8,851,233$1,348,335$563,390$6,932,822
79$9,684,203$1,344,549$512,408$7,546,664
80$10,599,936$1,338,376$457,518$8,221,438
81$11,606,804$1,329,631$398,520$8,963,354
82$12,714,032$1,318,116$335,203$9,779,254
83$13,931,781$1,303,622$267,351$10,676,685
84$15,271,250$1,285,927$194,735$11,663,962
85$16,744,776$1,264,795$117,116$12,750,250
86$18,365,950$1,239,977$34,247$13,945,654
87$20,149,750$1,211,209$0$15,261,309
88$22,112,678$1,178,212$0$16,720,477
89$24,272,915$1,140,689$0$18,333,823
90$26,650,496$1,098,326$0$20,109,367
91$29,267,496$1,050,793$0$22,063,606
92$32,148,236$997,738$0$24,214,717
93$35,319,519$938,790$0$26,582,735
94$38,810,876$873,556$0$29,189,734
95$42,654,848$801,623$0$32,060,043
96$46,887,290$722,550$0$35,220,470
97$51,547,714$635,875$0$38,700,559
98$56,679,655$541,107$0$42,532,867
99$62,331,087$437,729$0$46,753,274
100$68,554,874$325,194$0$51,401,317