Can I retire at age 52 with 976,000?

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 $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%12.2%
1 years$80,597$79,879$79,179$78,495$77,828$77,111
2 years$39,900$39,156$38,436$37,738$37,061$36,339
3 years$26,336$25,589$24,871$24,179$23,513$22,808
4 years$19,555$18,811$18,100$17,420$16,770$16,087
5 years$15,487$14,748$14,046$13,380$12,748$12,090
6 years$12,777$12,043$11,351$10,700$10,087$9,454
7 years$10,841$10,113$9,433$8,797$8,203$7,596
8 years$9,390$8,669$8,000$7,380$6,806$6,224
9 years$8,262$7,548$6,890$6,286$5,731$5,175
10 years$7,361$6,653$6,007$5,418$4,883$4,352
11 years$6,623$5,923$5,289$4,716$4,200$3,693
12 years$6,009$5,316$4,693$4,136$3,639$3,157
13 years$5,490$4,804$4,193$3,652$3,174$2,714
14 years$5,046$4,367$3,768$3,242$2,782$2,346
15 years$4,661$3,989$3,402$2,891$2,450$2,035
16 years$4,324$3,660$3,084$2,589$2,165$1,772
17 years$4,027$3,371$2,806$2,326$1,920$1,548
18 years$3,764$3,115$2,562$2,096$1,707$1,355
19 years$3,529$2,887$2,345$1,894$1,521$1,189
20 years$3,317$2,682$2,152$1,715$1,359$1,046
21 years$3,126$2,499$1,980$1,557$1,216$921
22 years$2,952$2,332$1,825$1,415$1,090$812
23 years$2,794$2,181$1,685$1,289$978$717
24 years$2,649$2,044$1,558$1,176$879$634
25 years$2,516$1,918$1,443$1,074$791$561
26 years$2,394$1,803$1,338$982$713$497
27 years$2,280$1,697$1,243$899$643$440
28 years$2,175$1,599$1,155$823$580$390
29 years$2,078$1,508$1,075$755$524$346
30 years$1,987$1,424$1,002$693$473$307
31 years$1,902$1,346$934$636$428$273
32 years$1,822$1,274$871$585$387$243
33 years$1,748$1,206$813$538$350$216
34 years$1,678$1,143$760$495$317$192
35 years$1,612$1,085$711$456$287$170
36 years$1,550$1,029$665$420$260$152
37 years$1,492$978$622$387$236$135
38 years$1,436$929$583$356$214$120
39 years$1,384$884$546$329$194$107
40 years$1,334$841$512$303$176$95
41 years$1,287$800$480$280$160$85
42 years$1,243$762$450$258$145$75
43 years$1,200$726$422$238$131$67
44 years$1,160$692$396$220$119$60
45 years$1,121$660$372$203$108$53
46 years$1,084$630$350$188$98$47
47 years$1,049$601$328$173$89$42
48 years$1,016$574$309$160$81$38
49 years$984$548$290$148$74$34
50 years$953$523$273$137$67$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $976,000, adding $5,787 every year, while hoping to spend $29,767 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: 50/20/30 Blend
51$976,000$976,000$976,000$976,000
52$1,081,521$1,029,793$1,014,665$1,126,143
53$1,160,165$1,048,581$1,016,985$1,176,803
54$1,245,832$1,067,292$1,018,384$1,228,436
55$1,339,208$1,085,891$1,018,801$1,283,991
56$1,441,047$1,104,340$1,018,171$1,343,854
57$1,552,179$1,122,597$1,016,425$1,408,454
58$1,673,517$1,140,620$1,013,491$1,478,263
59$1,806,066$1,158,361$1,009,293$1,553,801
60$1,950,933$1,175,769$1,003,753$1,635,642
61$2,109,338$1,192,791$996,788$1,724,423
62$2,282,621$1,209,368$988,311$1,820,842
63$2,472,260$1,225,439$978,231$1,925,673
64$2,679,882$1,240,937$966,453$2,039,769
65$2,907,278$1,255,791$952,877$2,164,070
66$3,156,421$1,269,925$937,399$2,299,617
67$3,429,483$1,283,259$919,910$2,447,555
68$3,728,858$1,295,706$900,294$2,609,149
69$4,057,180$1,307,174$878,433$2,785,795
70$4,417,352$1,317,566$854,200$2,979,033
71$4,812,572$1,326,776$827,465$3,190,562
72$5,246,360$1,334,695$798,092$3,422,257
73$5,722,597$1,341,202$765,936$3,676,186
74$6,245,554$1,346,174$730,847$3,954,631
75$6,819,940$1,349,476$692,670$4,260,109
76$7,450,939$1,350,965$651,239$4,595,396
77$8,144,264$1,350,492$606,385$4,963,556
78$8,906,208$1,347,895$557,928$5,367,967
79$9,743,704$1,343,005$505,682$5,812,356
80$10,664,391$1,335,640$449,450$6,300,833
81$11,676,682$1,325,610$389,030$6,837,931
82$12,789,849$1,312,711$324,209$7,428,651
83$14,014,108$1,296,727$254,763$8,078,506
84$15,360,710$1,277,431$180,462$8,793,578
85$16,842,057$1,254,580$101,062$9,580,572
86$18,471,810$1,227,917$16,310$10,446,886
87$20,265,022$1,197,172$0$11,400,673
88$22,238,277$1,162,056$0$12,474,658
89$24,409,850$1,122,266$0$13,662,141
90$26,799,877$1,077,479$0$14,968,920
91$29,430,543$1,027,354$0$16,407,149
92$32,326,295$971,531$0$17,990,222
93$35,514,070$909,629$0$19,732,899
94$39,023,548$841,244$0$21,651,449
95$42,887,436$765,950$0$23,763,803
96$47,141,769$683,297$0$26,089,722
97$51,826,258$592,807$0$28,650,986
98$56,984,661$493,979$0$31,471,597
99$62,665,192$386,280$0$34,578,011
100$68,920,983$269,148$0$37,999,383