Can I retire at age 52 with 976,000?

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 $976,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.9%
1 years$80,597$79,879$79,179$78,495$77,828$77,208
2 years$39,900$39,156$38,436$37,738$37,061$36,436
3 years$26,336$25,589$24,871$24,179$23,513$22,902
4 years$19,555$18,811$18,100$17,420$16,770$16,178
5 years$15,487$14,748$14,046$13,380$12,748$12,177
6 years$12,777$12,043$11,351$10,700$10,087$9,538
7 years$10,841$10,113$9,433$8,797$8,203$7,676
8 years$9,390$8,669$8,000$7,380$6,806$6,300
9 years$8,262$7,548$6,890$6,286$5,731$5,248
10 years$7,361$6,653$6,007$5,418$4,883$4,421
11 years$6,623$5,923$5,289$4,716$4,200$3,758
12 years$6,009$5,316$4,693$4,136$3,639$3,219
13 years$5,490$4,804$4,193$3,652$3,174$2,773
14 years$5,046$4,367$3,768$3,242$2,782$2,401
15 years$4,661$3,989$3,402$2,891$2,450$2,088
16 years$4,324$3,660$3,084$2,589$2,165$1,822
17 years$4,027$3,371$2,806$2,326$1,920$1,594
18 years$3,764$3,115$2,562$2,096$1,707$1,399
19 years$3,529$2,887$2,345$1,894$1,521$1,230
20 years$3,317$2,682$2,152$1,715$1,359$1,084
21 years$3,126$2,499$1,980$1,557$1,216$957
22 years$2,952$2,332$1,825$1,415$1,090$846
23 years$2,794$2,181$1,685$1,289$978$748
24 years$2,649$2,044$1,558$1,176$879$663
25 years$2,516$1,918$1,443$1,074$791$588
26 years$2,394$1,803$1,338$982$713$522
27 years$2,280$1,697$1,243$899$643$464
28 years$2,175$1,599$1,155$823$580$412
29 years$2,078$1,508$1,075$755$524$367
30 years$1,987$1,424$1,002$693$473$326
31 years$1,902$1,346$934$636$428$290
32 years$1,822$1,274$871$585$387$259
33 years$1,748$1,206$813$538$350$230
34 years$1,678$1,143$760$495$317$205
35 years$1,612$1,085$711$456$287$183
36 years$1,550$1,029$665$420$260$163
37 years$1,492$978$622$387$236$146
38 years$1,436$929$583$356$214$130
39 years$1,384$884$546$329$194$116
40 years$1,334$841$512$303$176$103
41 years$1,287$800$480$280$160$92
42 years$1,243$762$450$258$145$82
43 years$1,200$726$422$238$131$74
44 years$1,160$692$396$220$119$66
45 years$1,121$660$372$203$108$59
46 years$1,084$630$350$188$98$52
47 years$1,049$601$328$173$89$47
48 years$1,016$574$309$160$81$42
49 years$984$548$290$148$74$37
50 years$953$523$273$137$67$33

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $976,000, adding $4,384 every year, while hoping to spend $22,527 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: 54/22/24 Blend
51$976,000$976,000$976,000$976,000
52$1,080,074$1,028,346$1,013,218$1,131,037
53$1,166,273$1,054,767$1,023,192$1,193,009
54$1,260,509$1,081,726$1,032,746$1,257,734
55$1,363,579$1,109,229$1,041,840$1,327,729
56$1,476,358$1,137,275$1,050,436$1,403,506
57$1,599,813$1,165,867$1,058,492$1,485,629
58$1,735,004$1,195,006$1,065,962$1,574,720
59$1,883,104$1,224,691$1,072,801$1,671,463
60$2,045,401$1,254,920$1,078,960$1,776,614
61$2,223,313$1,285,693$1,084,387$1,891,003
62$2,418,406$1,317,006$1,089,028$2,015,548
63$2,632,399$1,348,856$1,092,826$2,151,257
64$2,867,190$1,381,236$1,095,723$2,299,244
65$3,124,868$1,414,141$1,097,654$2,460,734
66$3,407,734$1,447,563$1,098,554$2,637,079
67$3,718,322$1,481,493$1,098,355$2,829,768
68$4,059,425$1,515,920$1,096,984$3,040,443
69$4,434,117$1,550,831$1,094,364$3,270,911
70$4,845,789$1,586,214$1,090,417$3,523,166
71$5,298,171$1,622,050$1,085,058$3,799,406
72$5,795,377$1,658,323$1,078,200$4,102,051
73$6,341,937$1,695,013$1,069,751$4,433,770
74$6,942,843$1,732,096$1,059,616$4,797,504
75$7,603,592$1,769,549$1,047,693$5,196,496
76$8,330,245$1,807,342$1,033,876$5,634,318
77$9,129,475$1,845,447$1,018,056$6,114,907
78$10,008,637$1,883,830$1,000,117$6,642,605
79$10,975,834$1,922,454$979,937$7,222,194
80$12,039,995$1,961,279$957,390$7,858,947
81$13,210,955$2,000,263$932,344$8,558,676
82$14,499,554$2,039,358$904,659$9,327,784
83$15,917,735$2,078,512$874,191$10,173,330
84$17,478,655$2,117,671$840,788$11,103,096
85$19,196,815$2,156,774$804,291$12,125,656
86$21,088,190$2,195,755$764,535$13,250,461
87$23,170,384$2,234,546$721,346$14,487,928
88$25,462,795$2,273,071$674,542$15,849,537
89$27,986,796$2,311,247$623,936$17,347,943
90$30,765,939$2,348,988$569,328$18,997,091
91$33,826,177$2,386,200$510,512$20,812,352
92$37,196,105$2,422,782$447,272$22,810,667
93$40,907,235$2,458,626$379,383$25,010,706
94$44,994,290$2,493,616$306,609$27,433,047
95$49,495,532$2,527,627$228,705$30,100,371
96$54,453,123$2,560,527$145,413$33,037,672
97$59,913,523$2,592,175$56,466$36,272,500
98$65,927,928$2,622,418$0$39,835,216
99$72,552,755$2,651,094$0$43,769,130
100$79,850,170$2,678,031$0$48,117,344