Can I retire at age 52 with 955,000?

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 $955,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%13.3%
1 years$78,863$78,161$77,475$76,806$76,153$75,108
2 years$39,041$38,314$37,609$36,926$36,263$35,212
3 years$25,769$25,039$24,336$23,659$23,007$21,983
4 years$19,134$18,406$17,710$17,045$16,409$15,419
5 years$15,154$14,431$13,744$13,092$12,474$11,521
6 years$12,502$11,784$11,107$10,470$9,870$8,956
7 years$10,608$9,896$9,230$8,608$8,027$7,152
8 years$9,188$8,483$7,828$7,221$6,659$5,823
9 years$8,085$7,386$6,742$6,151$5,608$4,810
10 years$7,202$6,510$5,878$5,302$4,778$4,019
11 years$6,481$5,796$5,175$4,614$4,109$3,387
12 years$5,880$5,202$4,592$4,047$3,561$2,875
13 years$5,372$4,701$4,103$3,573$3,105$2,455
14 years$4,937$4,273$3,687$3,172$2,722$2,106
15 years$4,560$3,903$3,329$2,829$2,397$1,814
16 years$4,231$3,581$3,018$2,533$2,118$1,567
17 years$3,941$3,298$2,746$2,276$1,878$1,358
18 years$3,683$3,048$2,507$2,051$1,670$1,180
19 years$3,453$2,825$2,295$1,853$1,489$1,027
20 years$3,246$2,625$2,106$1,678$1,330$896
21 years$3,059$2,445$1,937$1,523$1,190$782
22 years$2,889$2,282$1,785$1,385$1,067$684
23 years$2,734$2,134$1,649$1,261$957$599
24 years$2,592$2,000$1,525$1,150$861$525
25 years$2,462$1,877$1,412$1,051$774$461
26 years$2,342$1,764$1,310$961$697$404
27 years$2,231$1,660$1,216$879$629$355
28 years$2,128$1,564$1,131$806$567$312
29 years$2,033$1,476$1,052$739$512$275
30 years$1,944$1,394$980$678$463$242
31 years$1,861$1,317$914$623$419$213
32 years$1,783$1,247$852$572$379$187
33 years$1,710$1,181$796$526$343$165
34 years$1,642$1,119$744$484$310$145
35 years$1,577$1,061$695$446$281$128
36 years$1,517$1,007$650$411$255$113
37 years$1,460$957$609$378$231$99
38 years$1,405$909$570$349$209$88
39 years$1,354$865$534$321$190$77
40 years$1,306$823$501$296$172$68
41 years$1,260$783$469$274$156$60
42 years$1,216$746$440$252$142$53
43 years$1,174$710$413$233$129$47
44 years$1,135$677$388$215$117$41
45 years$1,097$646$364$199$106$36
46 years$1,061$616$342$184$96$32
47 years$1,027$588$321$170$87$28
48 years$994$561$302$157$79$25
49 years$962$536$284$145$72$22
50 years$932$512$267$134$65$19

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $955,000, adding $4,086 every year, while hoping to spend $59,158 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: 31/43/26 Blend
51$955,000$955,000$955,000$955,000
52$1,056,625$1,006,010$991,207$1,080,833
53$1,101,457$992,361$961,469$1,086,125
54$1,148,879$976,060$928,752$1,086,303
55$1,199,093$956,915$892,893$1,085,311
56$1,252,319$934,723$853,724$1,083,089
57$1,308,799$909,267$811,067$1,079,572
58$1,368,794$880,319$764,736$1,074,698
59$1,432,594$847,638$714,537$1,068,405
60$1,500,514$810,967$660,269$1,060,631
61$1,572,897$770,035$601,719$1,051,314
62$1,650,123$724,557$538,667$1,040,395
63$1,732,604$674,229$470,881$1,027,817
64$1,820,795$618,732$398,121$1,013,527
65$1,915,193$557,726$320,134$997,472
66$2,016,342$490,855$236,659$979,609
67$2,124,842$417,739$147,419$959,897
68$2,241,347$337,980$52,129$938,303
69$2,366,579$251,155$0$914,803
70$2,501,328$156,820$0$903,132
71$2,646,462$54,503$0$905,864
72$2,802,935$0$0$908,624
73$2,971,793$0$0$938,167
74$3,154,189$0$0$998,049
75$3,351,386$0$0$1,062,912
76$3,564,774$0$0$1,133,227
77$3,795,882$0$0$1,209,514
78$4,046,389$0$0$1,292,345
79$4,318,142$0$0$1,382,346
80$4,613,174$0$0$1,480,211
81$4,933,718$0$0$1,586,700
82$5,282,232$0$0$1,702,648
83$5,661,421$0$0$1,828,978
84$6,074,260$0$0$1,966,702
85$6,524,023$0$0$2,116,936
86$7,014,313$0$0$2,280,907
87$7,549,095$0$0$2,459,967
88$8,132,733$0$0$2,655,602
89$8,770,031$0$0$2,869,451
90$9,466,279$0$0$3,103,316
91$10,227,297$0$0$3,359,183
92$11,059,496$0$0$3,639,237
93$11,969,933$0$0$3,945,885
94$12,966,380$0$0$4,281,777
95$14,057,393$0$0$4,649,833
96$15,252,395$0$0$5,053,268
97$16,561,763$0$0$5,495,621
98$17,996,926$0$0$5,980,791
99$19,570,470$0$0$6,513,075
100$21,296,259$0$0$7,097,202