Can I retire at age 52 with 1,100,000?

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 $1,100,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.7%
1 years$90,837$90,028$89,238$88,468$87,716$84,976
2 years$44,969$44,131$43,320$42,533$41,769$39,033
3 years$29,681$28,840$28,031$27,251$26,500$23,854
4 years$22,039$21,201$20,399$19,633$18,900$16,364
5 years$17,455$16,622$15,831$15,080$14,368$11,948
6 years$14,400$13,573$12,793$12,060$11,369$9,068
7 years$12,219$11,398$10,631$9,915$9,246$7,064
8 years$10,583$9,771$9,016$8,317$7,670$5,606
9 years$9,312$8,507$7,766$7,084$6,459$4,510
10 years$8,296$7,499$6,770$6,107$5,504$3,666
11 years$7,465$6,675$5,960$5,315$4,733$3,005
12 years$6,773$5,992$5,290$4,662$4,102$2,479
13 years$6,188$5,415$4,726$4,116$3,577$2,055
14 years$5,687$4,922$4,246$3,653$3,135$1,711
15 years$5,253$4,496$3,834$3,258$2,761$1,429
16 years$4,873$4,125$3,476$2,917$2,440$1,197
17 years$4,539$3,799$3,163$2,621$2,163$1,005
18 years$4,242$3,510$2,887$2,362$1,924$845
19 years$3,977$3,253$2,643$2,135$1,715$712
20 years$3,739$3,023$2,426$1,933$1,531$601
21 years$3,523$2,816$2,231$1,755$1,371$507
22 years$3,327$2,629$2,057$1,595$1,228$429
23 years$3,149$2,459$1,899$1,453$1,103$363
24 years$2,986$2,304$1,756$1,325$991$307
25 years$2,836$2,162$1,627$1,210$892$260
26 years$2,698$2,032$1,509$1,106$803$220
27 years$2,570$1,912$1,401$1,013$724$187
28 years$2,452$1,802$1,302$928$654$159
29 years$2,342$1,700$1,212$851$590$134
30 years$2,239$1,605$1,129$781$533$114
31 years$2,143$1,517$1,052$717$482$97
32 years$2,054$1,436$982$659$436$82
33 years$1,970$1,360$917$606$395$70
34 years$1,891$1,289$857$558$357$59
35 years$1,817$1,222$801$513$324$50
36 years$1,747$1,160$749$473$293$43
37 years$1,681$1,102$701$436$266$36
38 years$1,619$1,047$657$402$241$31
39 years$1,560$996$615$370$218$26
40 years$1,504$947$577$342$198$22
41 years$1,451$902$541$315$180$19
42 years$1,400$859$507$291$163$16
43 years$1,353$818$476$268$148$14
44 years$1,307$780$447$248$134$12
45 years$1,264$744$419$229$122$10
46 years$1,222$710$394$211$111$8
47 years$1,183$677$370$195$101$7
48 years$1,145$646$348$180$91$6
49 years$1,109$617$327$167$83$5
50 years$1,074$590$307$154$75$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,100,000, adding $3,753 every year, while hoping to spend $56,196 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: 74/20/6 Blend
51$1,100,000$1,100,000$1,100,000$1,100,000
52$1,216,071$1,157,771$1,140,721$1,304,980
53$1,280,318$1,154,710$1,119,143$1,360,949
54$1,349,235$1,149,615$1,094,959$1,414,746
55$1,423,239$1,142,328$1,068,022$1,472,065
56$1,502,787$1,132,680$1,038,178$1,533,235
57$1,588,382$1,120,492$1,005,268$1,598,618
58$1,680,575$1,105,574$969,123$1,668,615
59$1,779,973$1,087,726$929,567$1,743,666
60$1,887,240$1,066,735$886,418$1,824,259
61$2,003,109$1,042,375$839,483$1,910,931
62$2,128,383$1,014,408$788,562$2,004,275
63$2,263,944$982,580$733,446$2,104,944
64$2,410,765$946,625$673,914$2,213,663
65$2,569,911$906,259$609,739$2,331,227
66$2,742,559$861,182$540,682$2,458,516
67$2,929,997$811,077$466,492$2,596,502
68$3,133,647$755,610$386,910$2,746,257
69$3,355,070$694,426$301,662$2,908,962
70$3,595,985$627,150$210,465$3,085,923
71$3,858,281$553,387$113,022$3,278,581
72$4,144,041$472,717$9,023$3,488,527
73$4,455,552$384,700$0$3,717,513
74$4,795,336$288,868$0$3,974,004
75$5,166,165$184,727$0$4,254,651
76$5,571,093$71,757$0$4,561,254
77$6,013,479$0$0$4,896,439
78$6,497,024$0$0$5,274,237
79$7,025,801$0$0$5,704,689
80$7,604,294$0$0$6,175,661
81$8,237,443$0$0$6,691,178
82$8,930,685$0$0$7,255,674
83$9,690,007$0$0$7,874,032
84$10,522,004$0$0$8,551,628
85$11,433,940$0$0$9,294,384
86$12,433,811$0$0$10,108,822
87$13,530,428$0$0$11,002,124
88$14,733,493$0$0$11,982,202
89$16,053,695$0$0$13,057,771
90$17,502,804$0$0$14,238,429
91$19,093,789$0$0$15,534,751
92$20,840,935$0$0$16,958,384
93$22,759,975$0$0$18,522,158
94$24,868,246$0$0$20,240,209
95$27,184,843$0$0$22,128,108
96$29,730,804$0$0$24,203,010
97$32,529,306$0$0$26,483,814
98$35,605,883$0$0$28,991,340
99$38,988,667$0$0$31,748,529
100$42,708,650$0$0$34,780,654