Can I retire at age 52 with 937,000?

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 $937,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.9%
1 years$77,377$76,687$76,015$75,359$74,718$73,510
2 years$38,305$37,592$36,900$36,230$35,580$34,367
3 years$25,283$24,567$23,877$23,213$22,573$21,392
4 years$18,773$18,059$17,376$16,724$16,099$14,959
5 years$14,869$14,159$13,485$12,845$12,239$11,143
6 years$12,266$11,562$10,898$10,273$9,684$8,634
7 years$10,408$9,709$9,056$8,446$7,876$6,872
8 years$9,015$8,323$7,680$7,085$6,534$5,576
9 years$7,932$7,246$6,615$6,035$5,502$4,590
10 years$7,067$6,387$5,767$5,202$4,688$3,820
11 years$6,359$5,686$5,077$4,527$4,032$3,207
12 years$5,769$5,104$4,506$3,971$3,494$2,712
13 years$5,271$4,612$4,026$3,506$3,047$2,306
14 years$4,844$4,192$3,617$3,112$2,671$1,971
15 years$4,474$3,830$3,266$2,775$2,352$1,690
16 years$4,151$3,514$2,961$2,485$2,078$1,455
17 years$3,866$3,236$2,694$2,233$1,843$1,255
18 years$3,614$2,990$2,460$2,012$1,639$1,086
19 years$3,388$2,771$2,252$1,818$1,460$941
20 years$3,185$2,575$2,066$1,647$1,305$817
21 years$3,001$2,399$1,901$1,495$1,167$710
22 years$2,834$2,239$1,752$1,359$1,046$619
23 years$2,682$2,094$1,617$1,238$939$539
24 years$2,543$1,962$1,496$1,129$844$470
25 years$2,416$1,841$1,386$1,031$760$411
26 years$2,298$1,731$1,285$943$684$359
27 years$2,189$1,629$1,193$863$617$314
28 years$2,088$1,535$1,109$790$557$274
29 years$1,995$1,448$1,032$725$503$240
30 years$1,907$1,367$962$665$454$210
31 years$1,826$1,293$896$611$411$184
32 years$1,750$1,223$836$561$371$161
33 years$1,678$1,158$781$516$336$141
34 years$1,611$1,098$730$475$304$124
35 years$1,548$1,041$682$437$276$109
36 years$1,488$988$638$403$250$95
37 years$1,432$939$597$371$226$83
38 years$1,379$892$559$342$205$73
39 years$1,329$848$524$315$186$64
40 years$1,281$807$491$291$169$56
41 years$1,236$768$461$268$153$49
42 years$1,193$732$432$248$139$43
43 years$1,152$697$405$229$126$38
44 years$1,113$664$381$211$114$33
45 years$1,076$634$357$195$104$29
46 years$1,041$604$336$180$94$26
47 years$1,007$577$315$166$86$23
48 years$975$551$296$154$78$20
49 years$944$526$278$142$71$17
50 years$915$502$262$131$64$15

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $937,000, adding $3,800 every year, while hoping to spend $59,156 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: 39/45/16 Blend
51$937,000$937,000$937,000$937,000
52$1,036,494$986,833$972,309$1,071,816
53$1,079,275$972,246$941,940$1,082,788
54$1,124,436$954,962$908,571$1,088,654
55$1,172,160$934,786$872,039$1,093,736
56$1,222,641$911,511$832,173$1,097,995
57$1,276,096$884,921$788,796$1,101,390
58$1,332,758$854,782$741,721$1,103,882
59$1,392,885$820,852$690,755$1,105,434
60$1,456,756$782,871$635,692$1,106,012
61$1,524,679$740,566$576,322$1,105,581
62$1,596,989$693,646$512,421$1,104,115
63$1,674,054$641,807$443,759$1,101,587
64$1,756,276$584,724$370,094$1,097,978
65$1,844,096$522,055$291,171$1,093,275
66$1,937,997$453,438$206,728$1,087,471
67$2,038,508$378,493$116,490$1,080,569
68$2,146,211$296,814$20,167$1,072,578
69$2,261,742$207,976$0$1,063,524
70$2,385,802$111,528$0$1,067,548
71$2,519,156$6,995$0$1,075,186
72$2,662,647$0$0$1,083,118
73$2,817,200$0$0$1,144,040
74$2,983,831$0$0$1,213,552
75$3,163,656$0$0$1,288,669
76$3,357,900$0$0$1,369,914
77$3,567,911$0$0$1,457,866
78$3,795,170$0$0$1,553,157
79$4,041,304$0$0$1,656,486
80$4,308,103$0$0$1,768,618
81$4,597,534$0$0$1,890,398
82$4,911,763$0$0$2,022,754
83$5,253,170$0$0$2,166,704
84$5,624,373$0$0$2,323,373
85$6,028,253$0$0$2,493,996
86$6,467,981$0$0$2,679,932
87$6,947,042$0$0$2,882,677
88$7,469,277$0$0$3,103,878
89$8,038,910$0$0$3,345,347
90$8,660,590$0$0$3,609,080
91$9,339,435$0$0$3,897,272
92$10,081,079$0$0$4,212,342
93$10,891,725$0$0$4,556,952
94$11,778,202$0$0$4,934,033
95$12,748,028$0$0$5,346,813
96$13,809,483$0$0$5,798,846
97$14,971,683$0$0$6,294,046
98$16,244,667$0$0$6,836,724
99$17,639,490$0$0$7,431,626
100$19,168,327$0$0$8,083,982