Can I retire at age 52 with 1,110,000?

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 $1,110,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%14.5%
1 years$91,663$90,846$90,050$89,272$88,513$86,868
2 years$45,378$44,532$43,713$42,919$42,149$40,498
3 years$29,951$29,102$28,285$27,499$26,741$25,135
4 years$22,240$21,393$20,585$19,811$19,072$17,524
5 years$17,614$16,773$15,974$15,217$14,498$13,012
6 years$14,531$13,696$12,910$12,169$11,472$10,050
7 years$12,330$11,502$10,728$10,005$9,330$7,972
8 years$10,680$9,859$9,098$8,393$7,740$6,445
9 years$9,397$8,584$7,836$7,149$6,518$5,287
10 years$8,371$7,567$6,832$6,162$5,554$4,384
11 years$7,533$6,736$6,015$5,363$4,776$3,667
12 years$6,834$6,046$5,338$4,704$4,139$3,089
13 years$6,244$5,464$4,769$4,153$3,609$2,617
14 years$5,738$4,966$4,285$3,687$3,164$2,227
15 years$5,300$4,537$3,869$3,288$2,786$1,902
16 years$4,918$4,163$3,508$2,944$2,462$1,630
17 years$4,580$3,834$3,192$2,645$2,183$1,401
18 years$4,281$3,542$2,914$2,384$1,941$1,206
19 years$4,013$3,283$2,667$2,154$1,730$1,041
20 years$3,773$3,051$2,448$1,951$1,545$900
21 years$3,555$2,842$2,252$1,770$1,383$779
22 years$3,358$2,653$2,075$1,610$1,240$675
23 years$3,178$2,481$1,916$1,466$1,113$585
24 years$3,013$2,324$1,772$1,337$1,000$508
25 years$2,862$2,181$1,641$1,221$900$442
26 years$2,722$2,050$1,522$1,117$811$384
27 years$2,593$1,929$1,414$1,022$731$334
28 years$2,474$1,818$1,314$936$660$291
29 years$2,363$1,715$1,223$859$596$253
30 years$2,259$1,620$1,139$788$538$221
31 years$2,163$1,531$1,062$724$486$192
32 years$2,073$1,449$991$665$440$168
33 years$1,988$1,372$925$612$398$146
34 years$1,908$1,300$864$563$361$127
35 years$1,833$1,233$808$518$327$111
36 years$1,763$1,171$756$477$296$97
37 years$1,696$1,112$708$440$268$85
38 years$1,633$1,057$663$405$243$74
39 years$1,574$1,005$621$374$220$64
40 years$1,518$956$582$345$200$56
41 years$1,464$910$546$318$181$49
42 years$1,413$867$512$293$165$43
43 years$1,365$826$480$271$149$37
44 years$1,319$787$451$250$136$33
45 years$1,275$751$423$231$123$29
46 years$1,233$716$398$213$112$25
47 years$1,193$683$373$197$102$22
48 years$1,155$652$351$182$92$19
49 years$1,119$623$330$168$84$17
50 years$1,084$595$310$156$76$14

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,110,000, adding $4,281 every year, while hoping to spend $59,182 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: 74/7/19 Blend
51$1,110,000$1,110,000$1,110,000$1,110,000
52$1,227,636$1,168,806$1,151,601$1,312,695
53$1,289,886$1,163,108$1,127,210$1,363,997
54$1,356,501$1,155,148$1,100,019$1,412,566
55$1,427,866$1,144,751$1,069,871$1,464,253
56$1,504,399$1,131,735$1,036,603$1,519,356
57$1,586,561$1,115,904$1,000,043$1,578,202
58$1,674,859$1,097,051$960,012$1,641,154
59$1,769,846$1,074,959$916,325$1,708,611
60$1,872,134$1,049,395$868,785$1,781,015
61$1,982,390$1,020,114$817,187$1,858,855
62$2,101,350$986,856$761,320$1,942,669
63$2,229,822$949,346$700,958$2,033,051
64$2,368,693$907,293$635,869$2,130,660
65$2,518,939$860,390$565,810$2,236,219
66$2,681,632$808,310$490,527$2,350,530
67$2,857,952$750,711$409,752$2,474,478
68$3,049,194$687,227$323,210$2,609,037
69$3,256,784$617,473$230,610$2,755,287
70$3,482,291$541,044$131,650$2,914,416
71$3,727,438$457,509$26,014$3,087,739
72$3,994,125$366,415$0$3,276,704
73$4,284,437$267,281$0$3,500,492
74$4,600,674$159,601$0$3,750,060
75$4,945,361$42,841$0$4,022,149
76$5,321,283$0$0$4,318,988
77$5,731,501$0$0$4,649,466
78$6,179,386$0$0$5,013,936
79$6,668,648$0$0$5,412,125
80$7,203,372$0$0$5,847,362
81$7,788,055$0$0$6,323,314
82$8,427,649$0$0$6,844,018
83$9,127,606$0$0$7,413,919
84$9,893,929$0$0$8,037,912
85$10,733,229$0$0$8,721,388
86$11,652,787$0$0$9,470,281
87$12,660,620$0$0$10,291,130
88$13,765,558$0$0$11,191,134
89$14,977,327$0$0$12,178,224
90$16,306,638$0$0$13,261,132
91$17,765,290$0$0$14,449,481
92$19,366,278$0$0$15,753,866
93$21,123,919$0$0$17,185,960
94$23,053,981$0$0$18,758,622
95$25,173,835$0$0$20,486,015
96$27,502,618$0$0$22,383,744
97$30,061,409$0$0$24,468,998
98$32,873,433$0$0$26,760,715
99$35,964,275$0$0$29,279,757
100$39,362,121$0$0$32,049,108