Can I retire at age 52 with 950,000?

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 $950,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$78,450$77,751$77,070$76,404$75,754$73,329
2 years$38,837$38,113$37,412$36,733$36,073$33,653
3 years$25,634$24,908$24,208$23,535$22,887$20,546
4 years$19,034$18,310$17,617$16,956$16,323$14,080
5 years$15,075$14,355$13,672$13,024$12,408$10,270
6 years$12,436$11,722$11,049$10,415$9,818$7,786
7 years$10,552$9,844$9,182$8,563$7,985$6,058
8 years$9,140$8,438$7,787$7,183$6,624$4,802
9 years$8,042$7,347$6,707$6,118$5,579$3,859
10 years$7,165$6,476$5,847$5,274$4,753$3,133
11 years$6,447$5,765$5,148$4,590$4,088$2,564
12 years$5,849$5,175$4,568$4,026$3,543$2,112
13 years$5,344$4,676$4,082$3,554$3,089$1,749
14 years$4,911$4,251$3,667$3,155$2,708$1,454
15 years$4,536$3,883$3,311$2,814$2,384$1,213
16 years$4,209$3,563$3,002$2,520$2,107$1,014
17 years$3,920$3,281$2,732$2,264$1,868$850
18 years$3,664$3,032$2,494$2,040$1,661$714
19 years$3,435$2,810$2,283$1,843$1,481$601
20 years$3,229$2,611$2,095$1,670$1,323$506
21 years$3,043$2,432$1,927$1,515$1,184$427
22 years$2,874$2,270$1,776$1,378$1,061$360
23 years$2,720$2,123$1,640$1,255$952$304
24 years$2,579$1,989$1,517$1,144$856$257
25 years$2,449$1,867$1,405$1,045$770$217
26 years$2,330$1,755$1,303$956$694$184
27 years$2,220$1,651$1,210$875$626$156
28 years$2,117$1,556$1,125$801$564$132
29 years$2,022$1,468$1,047$735$510$112
30 years$1,934$1,386$975$674$461$95
31 years$1,851$1,311$909$619$416$80
32 years$1,774$1,240$848$569$377$68
33 years$1,701$1,174$792$523$341$58
34 years$1,633$1,113$740$482$309$49
35 years$1,569$1,056$692$443$280$41
36 years$1,509$1,002$647$408$253$35
37 years$1,452$952$606$376$230$30
38 years$1,398$904$567$347$208$25
39 years$1,347$860$531$320$189$21
40 years$1,299$818$498$295$171$18
41 years$1,253$779$467$272$155$15
42 years$1,209$742$438$251$141$13
43 years$1,168$707$411$232$128$11
44 years$1,129$674$386$214$116$9
45 years$1,091$642$362$198$105$8
46 years$1,055$613$340$183$96$7
47 years$1,021$585$320$169$87$6
48 years$989$558$300$156$79$5
49 years$957$533$282$144$72$4
50 years$928$509$265$133$65$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $950,000, adding $6,219 every year, while hoping to spend $30,707 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: 70/15/15 Blend
51$950,000$950,000$950,000$950,000
52$1,053,315$1,002,965$988,240$1,123,008
53$1,128,081$1,019,438$988,674$1,186,617
54$1,209,444$1,035,689$988,093$1,251,933
55$1,298,045$1,051,675$986,432$1,322,627
56$1,394,587$1,067,350$983,619$1,399,222
57$1,499,848$1,082,663$979,583$1,482,298
58$1,614,680$1,097,561$974,247$1,572,494
59$1,740,023$1,111,987$967,530$1,670,513
60$1,876,912$1,125,880$959,348$1,777,131
61$2,026,484$1,139,176$949,614$1,893,201
62$2,189,994$1,151,804$938,234$2,019,666
63$2,368,821$1,163,690$925,113$2,157,563
64$2,564,486$1,174,756$910,149$2,308,038
65$2,778,660$1,184,916$893,236$2,472,350
66$3,013,187$1,194,080$874,263$2,651,890
67$3,270,096$1,202,154$853,114$2,848,190
68$3,551,620$1,209,034$829,668$3,062,939
69$3,860,221$1,214,612$803,798$3,297,998
70$4,198,609$1,218,774$775,371$3,555,420
71$4,569,769$1,221,396$744,248$3,837,467
72$4,976,989$1,222,347$710,283$4,146,631
73$5,423,890$1,221,490$673,326$4,485,662
74$5,914,461$1,218,678$633,217$4,857,588
75$6,453,096$1,213,753$589,790$5,265,750
76$7,044,636$1,206,551$542,872$5,713,828
77$7,694,413$1,196,896$492,282$6,205,880
78$8,408,301$1,184,602$437,831$6,746,378
79$9,192,770$1,169,470$379,321$7,340,254
80$10,054,950$1,151,292$316,546$7,992,941
81$11,002,695$1,129,845$249,290$8,710,429
82$12,044,658$1,104,895$177,329$9,499,323
83$13,190,370$1,076,192$100,427$10,366,899
84$14,450,336$1,043,474$18,339$11,321,182
85$15,836,127$1,006,460$0$12,371,013
86$17,360,492$964,857$0$13,537,225
87$19,037,477$918,350$0$14,823,330
88$20,882,562$866,611$0$16,238,277
89$22,912,797$809,289$0$17,795,164
90$25,146,974$746,016$0$19,508,427
91$27,605,794$676,399$0$21,393,976
92$30,312,069$600,027$0$23,469,342
93$33,290,935$516,463$0$25,753,844
94$36,570,087$425,246$0$28,268,775
95$40,180,041$325,889$0$31,037,599
96$44,154,425$217,877$0$34,086,173
97$48,530,291$100,668$0$37,442,995
98$53,348,466$0$0$41,139,468
99$58,653,941$0$0$45,214,544
100$64,496,287$0$0$49,720,350