Can I retire at age 52 with 952,000?

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 $952,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.5%
1 years$78,615$77,915$77,232$76,565$75,914$73,899
2 years$38,918$38,194$37,491$36,810$36,149$34,133
3 years$25,688$24,960$24,259$23,585$22,935$20,981
4 years$19,074$18,348$17,655$16,991$16,357$14,480
5 years$15,107$14,385$13,701$13,051$12,434$10,640
6 years$12,463$11,747$11,072$10,437$9,839$8,128
7 years$10,575$9,865$9,201$8,581$8,002$6,375
8 years$9,159$8,456$7,803$7,198$6,638$5,095
9 years$8,059$7,362$6,721$6,131$5,590$4,129
10 years$7,180$6,490$5,859$5,285$4,763$3,382
11 years$6,460$5,777$5,159$4,600$4,097$2,793
12 years$5,862$5,185$4,578$4,035$3,550$2,322
13 years$5,355$4,686$4,090$3,562$3,096$1,941
14 years$4,921$4,260$3,675$3,162$2,714$1,629
15 years$4,546$3,891$3,318$2,820$2,389$1,373
16 years$4,218$3,570$3,008$2,525$2,112$1,160
17 years$3,928$3,288$2,737$2,269$1,872$982
18 years$3,671$3,038$2,499$2,044$1,665$834
19 years$3,442$2,816$2,288$1,847$1,484$709
20 years$3,236$2,617$2,100$1,673$1,325$603
21 years$3,049$2,437$1,931$1,518$1,186$514
22 years$2,880$2,275$1,780$1,381$1,063$439
23 years$2,725$2,128$1,643$1,257$954$375
24 years$2,584$1,994$1,520$1,147$858$320
25 years$2,454$1,871$1,408$1,047$772$274
26 years$2,335$1,758$1,306$958$695$234
27 years$2,224$1,655$1,212$877$627$201
28 years$2,122$1,559$1,127$803$566$172
29 years$2,027$1,471$1,049$736$511$147
30 years$1,938$1,389$977$676$461$126
31 years$1,855$1,313$911$621$417$108
32 years$1,778$1,243$850$570$377$93
33 years$1,705$1,177$793$525$342$79
34 years$1,637$1,115$741$483$309$68
35 years$1,572$1,058$693$444$280$58
36 years$1,512$1,004$648$409$254$50
37 years$1,455$954$607$377$230$43
38 years$1,401$906$568$348$209$37
39 years$1,350$862$532$320$189$32
40 years$1,302$820$499$296$172$27
41 years$1,256$781$468$273$156$23
42 years$1,212$743$439$252$141$20
43 years$1,171$708$412$232$128$17
44 years$1,131$675$387$214$116$15
45 years$1,094$644$363$198$106$13
46 years$1,058$614$341$183$96$11
47 years$1,023$586$320$169$87$9
48 years$991$559$301$156$79$8
49 years$959$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 $952,000, adding $3,735 every year, while hoping to spend $55,353 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: 81/11/8 Blend
51$952,000$952,000$952,000$952,000
52$1,052,957$1,002,501$987,745$1,136,886
53$1,101,463$992,728$961,939$1,182,613
54$1,153,062$980,621$933,414$1,225,084
55$1,208,010$966,008$902,019$1,270,024
56$1,266,589$948,704$867,599$1,317,649
57$1,329,108$928,517$829,989$1,368,200
58$1,395,902$905,240$789,020$1,421,939
59$1,467,344$878,656$744,511$1,479,158
60$1,543,837$848,535$696,277$1,540,177
61$1,625,829$814,633$644,122$1,605,349
62$1,713,805$776,692$587,842$1,675,063
63$1,808,303$734,439$527,224$1,749,749
64$1,909,910$687,587$462,046$1,829,879
65$2,019,271$635,829$392,075$1,915,976
66$2,137,095$578,843$317,068$2,008,615
67$2,264,161$516,289$236,772$2,108,431
68$2,401,324$447,805$150,922$2,216,125
69$2,549,523$373,012$59,242$2,332,468
70$2,709,791$291,506$0$2,458,312
71$2,883,264$202,864$0$2,597,892
72$3,071,188$106,636$0$2,754,559
73$3,274,937$2,348$0$2,924,422
74$3,496,018$0$0$3,108,770
75$3,736,091$0$0$3,322,398
76$3,996,981$0$0$3,554,879
77$4,280,696$0$0$3,807,723
78$4,589,445$0$0$4,082,898
79$4,925,658$0$0$4,382,576
80$5,292,009$0$0$4,709,143
81$5,691,442$0$0$5,065,224
82$6,127,197$0$0$5,453,712
83$6,602,837$0$0$5,877,789
84$7,122,289$0$0$6,340,957
85$7,689,874$0$0$6,847,073
86$8,310,346$0$0$7,400,382
87$8,988,944$0$0$8,005,558
88$9,731,434$0$0$8,667,748
89$10,544,165$0$0$9,392,618
90$11,434,128$0$0$10,186,408
91$12,409,023$0$0$11,055,991
92$13,477,329$0$0$12,008,935
93$14,648,383$0$0$13,053,573
94$15,932,470$0$0$14,199,087
95$17,340,918$0$0$15,455,585
96$18,886,202$0$0$16,834,204
97$20,582,066$0$0$18,347,209
98$22,443,646$0$0$20,008,113
99$24,487,616$0$0$21,831,798
100$26,732,345$0$0$23,834,658