Can I retire at age 52 with 957,000?

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 $957,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16.9%
1 years$79,028$78,324$77,637$76,967$76,313$74,167
2 years$39,123$38,394$37,688$37,003$36,339$34,194
3 years$25,823$25,091$24,387$23,708$23,055$20,977
4 years$19,174$18,445$17,747$17,081$16,443$14,449
5 years$15,186$14,461$13,773$13,120$12,500$10,594
6 years$12,528$11,808$11,130$10,492$9,891$8,076
7 years$10,630$9,917$9,249$8,626$8,044$6,320
8 years$9,208$8,500$7,844$7,236$6,673$5,039
9 years$8,102$7,401$6,756$6,164$5,620$4,074
10 years$7,217$6,524$5,890$5,313$4,788$3,328
11 years$6,494$5,808$5,186$4,624$4,118$2,742
12 years$5,892$5,213$4,602$4,056$3,569$2,274
13 years$5,383$4,711$4,112$3,581$3,112$1,895
14 years$4,947$4,282$3,694$3,178$2,728$1,587
15 years$4,570$3,912$3,336$2,835$2,402$1,333
16 years$4,240$3,589$3,024$2,538$2,123$1,123
17 years$3,949$3,305$2,752$2,280$1,882$948
18 years$3,691$3,054$2,512$2,055$1,674$802
19 years$3,460$2,831$2,300$1,857$1,492$680
20 years$3,253$2,630$2,111$1,682$1,332$577
21 years$3,065$2,450$1,941$1,526$1,192$491
22 years$2,895$2,287$1,789$1,388$1,069$417
23 years$2,740$2,139$1,652$1,264$959$355
24 years$2,598$2,004$1,528$1,153$862$303
25 years$2,467$1,881$1,415$1,053$776$258
26 years$2,347$1,768$1,312$963$699$220
27 years$2,236$1,663$1,219$881$630$188
28 years$2,133$1,568$1,133$807$569$160
29 years$2,037$1,479$1,054$740$513$137
30 years$1,948$1,397$982$679$464$117
31 years$1,865$1,320$916$624$419$100
32 years$1,787$1,249$854$573$379$85
33 years$1,714$1,183$798$527$343$73
34 years$1,645$1,121$745$485$311$62
35 years$1,581$1,063$697$447$282$53
36 years$1,520$1,009$652$411$255$46
37 years$1,463$959$610$379$231$39
38 years$1,408$911$571$349$210$33
39 years$1,357$866$535$322$190$28
40 years$1,308$824$502$297$172$24
41 years$1,262$785$470$274$156$21
42 years$1,218$747$441$253$142$18
43 years$1,177$712$414$234$129$15
44 years$1,137$679$389$216$117$13
45 years$1,099$647$365$199$106$11
46 years$1,063$617$343$184$96$10
47 years$1,029$589$322$170$88$8
48 years$996$562$303$157$79$7
49 years$964$537$284$145$72$6
50 years$934$513$267$134$66$5

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $957,000, adding $3,811 every year, while hoping to spend $34,511 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: 59/33/8 Blend
51$957,000$957,000$957,000$957,000
52$1,058,545$1,007,824$992,991$1,118,913
53$1,129,797$1,020,488$989,536$1,172,551
54$1,207,160$1,032,616$984,810$1,226,750
55$1,291,222$1,044,145$978,732$1,284,987
56$1,382,626$1,055,008$971,219$1,347,653
57$1,482,085$1,065,134$962,186$1,415,178
58$1,590,379$1,074,447$951,540$1,488,036
59$1,708,368$1,082,865$939,187$1,566,750
60$1,836,999$1,090,303$925,027$1,651,897
61$1,977,313$1,096,668$908,956$1,744,115
62$2,130,457$1,101,863$890,864$1,844,105
63$2,297,692$1,105,783$870,637$1,952,644
64$2,480,408$1,108,318$848,155$2,070,585
65$2,680,134$1,109,350$823,292$2,198,874
66$2,898,555$1,108,754$795,919$2,338,549
67$3,137,522$1,106,399$765,898$2,490,761
68$3,399,080$1,102,142$733,085$2,656,774
69$3,685,474$1,095,835$697,331$2,837,988
70$3,999,180$1,087,319$658,480$3,035,944
71$4,342,925$1,076,426$616,368$3,252,342
72$4,719,710$1,062,978$570,823$3,489,059
73$5,132,843$1,046,786$521,668$3,748,165
74$5,585,964$1,027,650$468,715$4,031,943
75$6,083,085$1,005,358$411,770$4,342,911
76$6,628,624$979,684$350,628$4,683,849
77$7,227,448$950,393$285,078$5,057,819
78$7,884,917$917,231$214,897$5,468,202
79$8,606,936$879,933$139,854$5,918,727
80$9,400,010$838,217$59,706$6,413,505
81$10,271,306$791,784$0$6,957,072
82$11,228,717$740,320$0$7,556,634
83$12,280,942$683,490$0$8,221,087
84$13,437,560$620,944$0$8,951,434
85$14,709,128$552,307$0$9,754,411
86$16,107,275$477,186$0$10,637,443
87$17,644,815$395,166$0$11,608,716
88$19,335,864$305,807$0$12,677,256
89$21,195,975$208,644$0$13,853,016
90$23,242,285$103,188$0$15,146,967
91$25,493,674$0$0$16,571,206
92$27,970,946$0$0$18,143,093
93$30,697,023$0$0$19,914,178
94$33,697,161$0$0$21,863,408
95$36,999,187$0$0$24,008,876
96$40,633,765$0$0$26,370,518
97$44,634,681$0$0$28,970,298
98$49,039,163$0$0$31,832,420
99$53,888,232$0$0$34,983,554
100$59,227,088$0$0$38,453,087