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

Use the below retirement simulation to view the chances of a successful retirement.
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%16.7%
1 years$90,837$90,028$89,238$88,468$87,716$85,318
2 years$44,969$44,131$43,320$42,533$41,769$39,372
3 years$29,681$28,840$28,031$27,251$26,500$24,177
4 years$22,039$21,201$20,399$19,633$18,900$16,670
5 years$17,455$16,622$15,831$15,080$14,368$12,236
6 years$14,400$13,573$12,793$12,060$11,369$9,337
7 years$12,219$11,398$10,631$9,915$9,246$7,315
8 years$10,583$9,771$9,016$8,317$7,670$5,839
9 years$9,312$8,507$7,766$7,084$6,459$4,726
10 years$8,296$7,499$6,770$6,107$5,504$3,867
11 years$7,465$6,675$5,960$5,315$4,733$3,189
12 years$6,773$5,992$5,290$4,662$4,102$2,648
13 years$6,188$5,415$4,726$4,116$3,577$2,210
14 years$5,687$4,922$4,246$3,653$3,135$1,853
15 years$5,253$4,496$3,834$3,258$2,761$1,559
16 years$4,873$4,125$3,476$2,917$2,440$1,315
17 years$4,539$3,799$3,163$2,621$2,163$1,112
18 years$4,242$3,510$2,887$2,362$1,924$943
19 years$3,977$3,253$2,643$2,135$1,715$800
20 years$3,739$3,023$2,426$1,933$1,531$680
21 years$3,523$2,816$2,231$1,755$1,371$579
22 years$3,327$2,629$2,057$1,595$1,228$493
23 years$3,149$2,459$1,899$1,453$1,103$420
24 years$2,986$2,304$1,756$1,325$991$359
25 years$2,836$2,162$1,627$1,210$892$306
26 years$2,698$2,032$1,509$1,106$803$262
27 years$2,570$1,912$1,401$1,013$724$224
28 years$2,452$1,802$1,302$928$654$191
29 years$2,342$1,700$1,212$851$590$164
30 years$2,239$1,605$1,129$781$533$140
31 years$2,143$1,517$1,052$717$482$120
32 years$2,054$1,436$982$659$436$102
33 years$1,970$1,360$917$606$395$88
34 years$1,891$1,289$857$558$357$75
35 years$1,817$1,222$801$513$324$64
36 years$1,747$1,160$749$473$293$55
37 years$1,681$1,102$701$436$266$47
38 years$1,619$1,047$657$402$241$40
39 years$1,560$996$615$370$218$35
40 years$1,504$947$577$342$198$30
41 years$1,451$902$541$315$180$25
42 years$1,400$859$507$291$163$22
43 years$1,353$818$476$268$148$19
44 years$1,307$780$447$248$134$16
45 years$1,264$744$419$229$122$14
46 years$1,222$710$394$211$111$12
47 years$1,183$677$370$195$101$10
48 years$1,145$646$348$180$91$9
49 years$1,109$617$327$167$83$7
50 years$1,074$590$307$154$75$6

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 $4,208 every year, while hoping to spend $24,846 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: 26/49/25 Blend
51$1,100,000$1,100,000$1,100,000$1,100,000
52$1,216,541$1,158,241$1,141,191$1,238,510
53$1,314,192$1,188,558$1,152,984$1,286,933
54$1,420,971$1,219,529$1,164,341$1,336,429
55$1,537,782$1,251,158$1,175,219$1,389,017
56$1,665,622$1,283,451$1,185,575$1,444,973
57$1,805,588$1,316,413$1,195,364$1,504,601
58$1,958,888$1,350,047$1,204,538$1,568,239
59$2,126,851$1,384,356$1,213,048$1,636,255
60$2,310,944$1,419,344$1,220,839$1,709,058
61$2,512,780$1,455,012$1,227,857$1,787,095
62$2,734,136$1,491,359$1,234,042$1,870,863
63$2,976,970$1,528,388$1,239,334$1,960,904
64$3,243,437$1,566,095$1,243,668$2,057,821
65$3,535,912$1,604,478$1,246,975$2,162,274
66$3,857,011$1,643,534$1,249,185$2,274,992
67$4,209,617$1,683,257$1,250,223$2,396,781
68$4,596,902$1,723,641$1,250,010$2,528,524
69$5,022,365$1,764,679$1,248,464$2,671,200
70$5,489,857$1,806,359$1,245,499$2,825,884
71$6,003,623$1,848,670$1,241,023$2,993,764
72$6,568,337$1,891,600$1,234,942$3,176,147
73$7,189,151$1,935,132$1,227,157$3,374,475
74$7,871,740$1,979,249$1,217,562$3,590,339
75$8,622,355$2,023,930$1,206,048$3,825,491
76$9,447,886$2,069,153$1,192,501$4,081,864
77$10,355,921$2,114,893$1,176,801$4,361,588
78$11,354,823$2,161,121$1,158,822$4,667,013
79$12,453,805$2,207,806$1,138,432$5,000,729
80$13,663,018$2,254,913$1,115,495$5,365,589
81$14,993,647$2,302,405$1,089,865$5,764,744
82$16,458,016$2,350,239$1,061,392$6,201,662
83$18,069,703$2,398,370$1,029,918$6,680,171
84$19,843,671$2,446,749$995,279$7,204,490
85$21,796,405$2,495,320$957,301$7,779,269
86$23,946,072$2,544,024$915,804$8,409,637
87$26,312,688$2,592,797$870,599$9,101,246
88$28,918,308$2,641,570$821,490$9,860,330
89$31,787,236$2,690,267$768,271$10,693,761
90$34,946,251$2,738,807$710,725$11,609,113
91$38,424,862$2,787,103$648,627$12,614,739
92$42,255,585$2,835,058$581,744$13,719,846
93$46,474,251$2,882,572$509,829$14,934,584
94$51,120,342$2,929,535$432,625$16,270,144
95$56,237,363$2,975,829$349,865$17,738,860
96$61,873,258$3,021,329$261,269$19,354,334
97$68,080,854$3,065,897$166,545$21,131,555
98$74,918,365$3,109,391$65,388$23,087,050
99$82,449,941$3,151,653$0$25,239,037
100$90,746,268$3,192,517$0$27,618,954