Can I retire at age 52 with 934,000?

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 $934,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.3%
1 years$77,129$76,442$75,772$75,117$74,478$73,762
2 years$38,183$37,471$36,782$36,114$35,466$34,744
3 years$25,202$24,488$23,801$23,139$22,501$21,796
4 years$18,713$18,001$17,321$16,670$16,048$15,366
5 years$14,821$14,113$13,442$12,804$12,199$11,542
6 years$12,227$11,525$10,863$10,240$9,653$9,021
7 years$10,375$9,678$9,027$8,419$7,850$7,244
8 years$8,986$8,296$7,656$7,062$6,513$5,932
9 years$7,907$7,223$6,594$6,015$5,485$4,929
10 years$7,044$6,367$5,749$5,185$4,673$4,143
11 years$6,338$5,668$5,061$4,513$4,019$3,513
12 years$5,751$5,087$4,492$3,958$3,483$3,001
13 years$5,254$4,597$4,013$3,495$3,037$2,579
14 years$4,828$4,179$3,606$3,102$2,662$2,227
15 years$4,460$3,818$3,255$2,767$2,344$1,931
16 years$4,138$3,503$2,951$2,477$2,072$1,681
17 years$3,854$3,226$2,686$2,226$1,837$1,467
18 years$3,602$2,981$2,452$2,006$1,633$1,283
19 years$3,377$2,763$2,244$1,812$1,456$1,125
20 years$3,174$2,567$2,060$1,641$1,300$989
21 years$2,991$2,391$1,895$1,490$1,164$870
22 years$2,825$2,232$1,746$1,355$1,043$767
23 years$2,674$2,088$1,612$1,234$936$676
24 years$2,535$1,956$1,491$1,125$842$597
25 years$2,408$1,836$1,381$1,028$757$528
26 years$2,291$1,725$1,281$940$682$467
27 years$2,182$1,624$1,189$860$615$414
28 years$2,082$1,530$1,106$788$555$367
29 years$1,988$1,443$1,029$723$501$325
30 years$1,901$1,363$958$663$453$288
31 years$1,820$1,288$894$609$409$256
32 years$1,744$1,219$834$560$370$227
33 years$1,673$1,155$778$515$335$202
34 years$1,606$1,094$727$474$303$179
35 years$1,543$1,038$680$436$275$159
36 years$1,483$985$636$401$249$142
37 years$1,427$936$595$370$226$126
38 years$1,374$889$558$341$205$112
39 years$1,324$846$522$314$186$99
40 years$1,277$804$490$290$168$88
41 years$1,232$766$459$268$153$79
42 years$1,189$729$431$247$139$70
43 years$1,148$695$404$228$126$62
44 years$1,110$662$379$210$114$55
45 years$1,073$632$356$194$104$49
46 years$1,038$603$335$180$94$44
47 years$1,004$575$314$166$85$39
48 years$972$549$295$153$78$35
49 years$941$524$278$142$70$31
50 years$912$501$261$131$64$28

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $934,000, adding $3,739 every year, while hoping to spend $56,812 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: 72/19/9 Blend
51$934,000$934,000$934,000$934,000
52$1,033,125$983,623$969,146$1,105,583
53$1,078,056$971,373$941,165$1,141,704
54$1,125,666$956,618$910,342$1,173,835
55$1,176,168$939,177$876,523$1,207,452
56$1,229,796$918,855$839,545$1,242,686
57$1,286,804$895,448$799,238$1,279,683
58$1,347,471$868,737$755,425$1,318,605
59$1,412,102$838,495$707,922$1,359,631
60$1,481,032$804,477$656,533$1,402,959
61$1,554,628$766,427$601,057$1,448,812
62$1,633,290$724,072$541,282$1,497,433
63$1,717,458$677,124$476,988$1,549,094
64$1,807,615$625,279$407,944$1,604,096
65$1,904,290$568,216$333,908$1,662,771
66$2,008,063$505,594$254,629$1,725,491
67$2,119,571$437,054$169,845$1,792,663
68$2,239,514$362,216$79,281$1,864,743
69$2,368,659$280,679$0$1,942,232
70$2,507,849$192,019$0$2,027,356
71$2,658,010$95,789$0$2,127,298
72$2,820,161$0$0$2,235,147
73$2,995,418$0$0$2,353,467
74$3,185,011$0$0$2,503,166
75$3,390,290$0$0$2,665,289
76$3,612,741$0$0$2,841,012
77$3,853,995$0$0$3,031,630
78$4,115,850$0$0$3,238,568
79$4,400,279$0$0$3,463,392
80$4,709,455$0$0$3,707,824
81$5,045,768$0$0$3,973,759
82$5,411,848$0$0$4,263,284
83$5,810,587$0$0$4,578,693
84$6,245,169$0$0$4,922,511
85$6,719,099$0$0$5,297,517
86$7,236,233$0$0$5,706,770
87$7,800,815$0$0$6,153,638
88$8,417,520$0$0$6,641,827
89$9,091,490$0$0$7,175,417
90$9,828,390$0$0$7,758,902
91$10,634,455$0$0$8,397,227
92$11,516,551$0$0$9,095,839
93$12,482,239$0$0$9,860,736
94$13,539,843$0$0$10,698,522
95$14,698,531$0$0$11,616,469
96$15,968,402$0$0$12,622,588
97$17,360,573$0$0$13,725,700
98$18,887,293$0$0$14,935,521
99$20,562,051$0$0$16,262,753
100$22,399,703$0$0$17,719,182