Can I retire at age 52 with 944,000?

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 $944,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12.1%
1 years$77,955$77,260$76,583$75,922$75,276$74,614
2 years$38,591$37,873$37,176$36,501$35,846$35,179
3 years$25,472$24,750$24,055$23,386$22,742$22,091
4 years$18,914$18,194$17,506$16,849$16,220$15,589
5 years$14,980$14,264$13,586$12,941$12,330$11,722
6 years$12,358$11,648$10,979$10,349$9,756$9,171
7 years$10,486$9,782$9,124$8,509$7,934$7,373
8 years$9,082$8,385$7,738$7,138$6,582$6,044
9 years$7,992$7,301$6,664$6,080$5,543$5,028
10 years$7,119$6,435$5,810$5,241$4,723$4,231
11 years$6,406$5,729$5,115$4,561$4,062$3,593
12 years$5,812$5,142$4,540$4,001$3,520$3,073
13 years$5,310$4,647$4,056$3,532$3,070$2,644
14 years$4,880$4,224$3,644$3,135$2,691$2,286
15 years$4,508$3,858$3,290$2,796$2,369$1,985
16 years$4,182$3,540$2,983$2,504$2,094$1,730
17 years$3,895$3,260$2,714$2,250$1,857$1,512
18 years$3,641$3,013$2,478$2,027$1,651$1,325
19 years$3,413$2,792$2,268$1,832$1,471$1,163
20 years$3,208$2,595$2,082$1,659$1,314$1,024
21 years$3,023$2,417$1,915$1,506$1,176$902
22 years$2,856$2,256$1,765$1,369$1,054$796
23 years$2,703$2,110$1,630$1,247$946$703
24 years$2,562$1,977$1,507$1,137$851$622
25 years$2,434$1,855$1,396$1,039$765$551
26 years$2,315$1,744$1,295$950$689$488
27 years$2,206$1,641$1,202$869$622$433
28 years$2,104$1,546$1,118$796$561$384
29 years$2,010$1,459$1,040$730$506$341
30 years$1,922$1,378$969$670$458$303
31 years$1,839$1,302$903$616$414$270
32 years$1,763$1,232$843$566$374$240
33 years$1,691$1,167$787$520$339$213
34 years$1,623$1,106$735$479$307$190
35 years$1,559$1,049$687$441$278$169
36 years$1,499$996$643$406$252$150
37 years$1,443$946$602$374$228$134
38 years$1,389$899$564$345$207$119
39 years$1,339$855$528$318$188$106
40 years$1,291$813$495$293$170$95
41 years$1,245$774$464$270$154$84
42 years$1,202$737$435$250$140$75
43 years$1,161$702$408$230$127$67
44 years$1,122$669$383$213$115$60
45 years$1,084$638$360$196$105$53
46 years$1,049$609$338$181$95$47
47 years$1,015$581$318$168$86$42
48 years$982$555$298$155$78$38
49 years$951$530$281$143$71$34
50 years$922$506$264$132$65$30

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $944,000, adding $3,930 every year, while hoping to spend $25,072 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: 77/10/13 Blend
51$944,000$944,000$944,000$944,000
52$1,044,342$994,310$979,678$1,121,738
53$1,124,188$1,016,355$985,821$1,195,326
54$1,211,339$1,038,639$991,329$1,272,428
55$1,306,512$1,061,149$996,155$1,356,272
56$1,410,498$1,083,868$1,000,248$1,447,521
57$1,524,169$1,106,777$1,003,557$1,546,904
58$1,648,484$1,129,858$1,006,025$1,655,226
59$1,784,497$1,153,089$1,007,594$1,773,372
60$1,933,371$1,176,446$1,008,204$1,902,319
61$2,096,386$1,199,903$1,007,791$2,043,140
62$2,274,952$1,223,433$1,006,286$2,197,021
63$2,470,620$1,247,005$1,003,620$2,365,266
64$2,685,101$1,270,586$999,719$2,549,312
65$2,920,277$1,294,140$994,506$2,750,742
66$3,178,222$1,317,630$987,898$2,971,302
67$3,461,220$1,341,013$979,812$3,212,914
68$3,771,786$1,364,244$970,157$3,477,696
69$4,112,692$1,387,276$958,841$3,767,981
70$4,486,990$1,410,056$945,766$4,086,342
71$4,898,043$1,432,528$930,829$4,435,612
72$5,349,555$1,454,634$913,923$4,818,915
73$5,845,606$1,476,307$894,936$5,239,689
74$6,390,692$1,497,480$873,750$5,701,728
75$6,989,765$1,518,079$850,243$6,209,210
76$7,648,281$1,538,025$824,286$6,766,737
77$8,372,250$1,557,233$795,745$7,379,385
78$9,168,296$1,575,613$764,478$8,052,745
79$10,043,713$1,593,070$730,340$8,792,976
80$11,006,542$1,609,499$693,176$9,606,870
81$12,065,637$1,624,793$652,825$10,501,908
82$13,230,757$1,638,833$609,120$11,486,336
83$14,512,654$1,651,496$561,885$12,569,240
84$15,923,174$1,662,648$510,938$13,760,635
85$17,475,370$1,672,150$456,086$15,071,554
86$19,183,622$1,679,849$397,129$16,514,160
87$21,063,777$1,685,588$333,859$18,101,854
88$23,133,296$1,689,196$266,057$19,849,404
89$25,411,418$1,690,492$193,496$21,773,088
90$27,919,342$1,689,286$115,937$23,890,840
91$30,680,427$1,685,373$33,133$26,222,428
92$33,720,413$1,678,538$0$28,789,635
93$37,067,659$1,668,551$0$31,624,128
94$40,753,420$1,655,169$0$34,750,105
95$44,812,131$1,638,135$0$38,192,157
96$49,281,740$1,617,175$0$41,982,456
97$54,204,060$1,591,999$0$46,156,452
98$59,625,167$1,562,300$0$50,753,210
99$65,595,835$1,527,753$0$55,815,778
100$72,172,011$1,488,014$0$61,391,595