Can I retire at age 52 with 951,000?

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 $951,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.3%
1 years$78,533$77,833$77,151$76,485$75,834$73,881
2 years$38,878$38,154$37,452$36,771$36,111$34,157
3 years$25,661$24,934$24,234$23,560$22,911$21,015
4 years$19,054$18,329$17,636$16,974$16,340$14,519
5 years$15,091$14,370$13,686$13,037$12,421$10,679
6 years$12,449$11,734$11,061$10,426$9,829$8,168
7 years$10,564$9,854$9,191$8,572$7,993$6,413
8 years$9,150$8,447$7,795$7,191$6,631$5,131
9 years$8,051$7,355$6,714$6,125$5,584$4,164
10 years$7,172$6,483$5,853$5,280$4,758$3,415
11 years$6,454$5,771$5,153$4,595$4,092$2,824
12 years$5,855$5,180$4,573$4,030$3,546$2,351
13 years$5,350$4,681$4,086$3,558$3,092$1,967
14 years$4,916$4,255$3,671$3,159$2,711$1,654
15 years$4,541$3,887$3,315$2,817$2,387$1,395
16 years$4,213$3,566$3,005$2,522$2,109$1,180
17 years$3,924$3,284$2,735$2,266$1,870$1,001
18 years$3,668$3,035$2,496$2,042$1,663$851
19 years$3,438$2,813$2,285$1,845$1,482$725
20 years$3,232$2,614$2,097$1,671$1,324$618
21 years$3,046$2,435$1,929$1,517$1,185$527
22 years$2,877$2,273$1,778$1,379$1,062$451
23 years$2,723$2,126$1,642$1,256$953$386
24 years$2,581$1,992$1,518$1,146$857$330
25 years$2,452$1,869$1,406$1,046$771$283
26 years$2,332$1,756$1,304$957$695$242
27 years$2,222$1,653$1,211$876$626$208
28 years$2,120$1,558$1,126$802$565$178
29 years$2,024$1,469$1,048$736$510$153
30 years$1,936$1,388$976$675$461$131
31 years$1,853$1,312$910$620$417$113
32 years$1,776$1,241$849$570$377$97
33 years$1,703$1,176$793$524$341$83
34 years$1,635$1,114$741$482$309$71
35 years$1,571$1,057$692$444$280$61
36 years$1,510$1,003$648$409$254$53
37 years$1,453$953$606$377$230$45
38 years$1,399$905$568$347$208$39
39 years$1,348$861$532$320$189$33
40 years$1,300$819$499$295$171$29
41 years$1,254$780$467$272$155$25
42 years$1,211$743$438$251$141$21
43 years$1,169$707$411$232$128$18
44 years$1,130$674$386$214$116$16
45 years$1,092$643$363$198$105$13
46 years$1,057$613$341$183$96$12
47 years$1,022$585$320$169$87$10
48 years$990$559$301$156$79$9
49 years$958$534$283$144$72$7
50 years$929$510$266$133$65$6

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $951,000, adding $3,347 every year, while hoping to spend $25,581 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: 66/16/18 Blend
51$951,000$951,000$951,000$951,000
52$1,051,454$1,001,051$986,311$1,115,963
53$1,131,485$1,022,885$992,134$1,181,409
54$1,218,821$1,044,931$997,296$1,249,660
55$1,314,181$1,067,173$1,001,745$1,323,650
56$1,418,355$1,089,592$1,005,432$1,403,941
57$1,532,215$1,112,169$1,008,301$1,491,153
58$1,656,717$1,134,882$1,010,295$1,585,968
59$1,792,918$1,157,707$1,011,355$1,689,139
60$1,941,978$1,180,617$1,011,418$1,801,494
61$2,105,177$1,203,585$1,010,418$1,923,947
62$2,283,923$1,226,579$1,008,286$2,057,505
63$2,479,769$1,249,566$1,004,948$2,203,276
64$2,694,421$1,272,511$1,000,330$2,362,484
65$2,929,762$1,295,374$994,351$2,536,475
66$3,187,864$1,318,113$986,928$2,726,735
67$3,471,009$1,340,684$977,973$2,934,898
68$3,781,711$1,363,037$967,395$3,162,769
69$4,122,740$1,385,120$955,097$3,412,336
70$4,497,145$1,406,877$940,978$3,685,788
71$4,908,288$1,428,247$924,935$3,985,540
72$5,359,868$1,449,166$906,855$4,314,253
73$5,855,964$1,469,565$886,624$4,674,859
74$6,401,067$1,489,369$864,121$5,070,591
75$7,000,127$1,508,499$839,220$5,505,011
76$7,658,595$1,526,870$811,789$5,982,046
77$8,382,476$1,544,391$781,688$6,506,023
78$9,178,389$1,560,966$748,775$7,081,711
79$10,053,623$1,576,492$712,898$7,714,369
80$11,016,211$1,590,859$673,898$8,409,791
81$12,075,002$1,603,948$631,611$9,174,362
82$13,239,746$1,615,636$585,864$10,015,121
83$14,521,187$1,625,789$536,477$10,939,826
84$15,931,161$1,634,265$483,262$11,957,028
85$17,482,709$1,640,914$426,021$13,076,150
86$19,190,203$1,645,576$364,550$14,307,579
87$21,069,475$1,648,081$298,634$15,662,763
88$23,137,972$1,648,247$228,049$17,154,319
89$25,414,917$1,645,883$152,560$18,796,152
90$27,921,492$1,640,785$71,924$20,603,591
91$30,681,036$1,632,736$0$22,593,525
92$33,719,268$1,621,506$0$24,787,287
93$37,064,526$1,606,852$0$27,217,599
94$40,748,035$1,588,515$0$29,893,300
95$44,804,205$1,566,223$0$32,839,372
96$49,270,950$1,539,684$0$36,083,339
97$54,190,049$1,508,591$0$39,655,539
98$59,607,541$1,472,618$0$43,589,400
99$65,574,155$1,431,422$0$47,921,760
100$72,145,793$1,384,636$0$52,693,217