Can I retire at age 52 with 1,130,000?

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 $1,130,000?

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$93,314$92,483$91,672$90,881$90,108$87,293
2 years$46,195$45,335$44,501$43,693$42,908$40,098
3 years$30,491$29,627$28,795$27,994$27,223$24,505
4 years$22,640$21,779$20,955$20,168$19,416$16,810
5 years$17,931$17,075$16,262$15,491$14,759$12,274
6 years$14,793$13,943$13,142$12,388$11,679$9,315
7 years$12,552$11,709$10,921$10,185$9,498$7,257
8 years$10,872$10,037$9,262$8,544$7,879$5,759
9 years$9,566$8,739$7,978$7,278$6,636$4,633
10 years$8,522$7,703$6,955$6,273$5,654$3,766
11 years$7,668$6,858$6,123$5,460$4,862$3,087
12 years$6,957$6,155$5,434$4,789$4,214$2,546
13 years$6,356$5,562$4,855$4,228$3,674$2,111
14 years$5,842$5,056$4,362$3,753$3,221$1,757
15 years$5,396$4,619$3,938$3,347$2,836$1,468
16 years$5,006$4,238$3,571$2,997$2,506$1,230
17 years$4,663$3,903$3,249$2,693$2,222$1,032
18 years$4,358$3,606$2,966$2,427$1,976$868
19 years$4,085$3,342$2,715$2,193$1,761$732
20 years$3,841$3,106$2,492$1,986$1,573$617
21 years$3,619$2,893$2,292$1,802$1,408$521
22 years$3,418$2,700$2,113$1,639$1,262$441
23 years$3,235$2,526$1,951$1,492$1,133$373
24 years$3,067$2,366$1,804$1,361$1,018$316
25 years$2,913$2,221$1,671$1,243$916$267
26 years$2,771$2,087$1,550$1,137$825$227
27 years$2,640$1,964$1,439$1,040$744$192
28 years$2,519$1,851$1,338$953$671$163
29 years$2,405$1,746$1,245$874$606$138
30 years$2,300$1,649$1,160$802$548$117
31 years$2,202$1,559$1,081$737$495$99
32 years$2,110$1,475$1,009$677$448$84
33 years$2,024$1,397$942$623$405$72
34 years$1,943$1,324$880$573$367$61
35 years$1,866$1,256$823$527$332$52
36 years$1,795$1,192$770$486$301$44
37 years$1,727$1,132$720$448$273$37
38 years$1,663$1,076$675$413$248$32
39 years$1,602$1,023$632$380$224$27
40 years$1,545$973$592$351$204$23
41 years$1,490$926$555$324$185$19
42 years$1,439$882$521$299$168$16
43 years$1,389$841$489$276$152$14
44 years$1,343$801$459$255$138$12
45 years$1,298$764$431$235$125$10
46 years$1,255$729$405$217$114$9
47 years$1,215$696$380$201$103$7
48 years$1,176$664$357$185$94$6
49 years$1,139$634$336$171$85$5
50 years$1,103$606$316$158$77$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $1,130,000, adding $5,559 every year, while hoping to spend $43,426 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: 62/25/13 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,250,994$1,191,104$1,173,589$1,324,316
53$1,332,391$1,203,263$1,166,699$1,386,339
54$1,420,634$1,214,563$1,158,123$1,448,558
55$1,516,377$1,224,915$1,147,759$1,515,416
56$1,620,337$1,234,225$1,135,499$1,587,364
57$1,733,304$1,242,395$1,121,230$1,664,900
58$1,856,146$1,249,317$1,104,836$1,748,575
59$1,989,818$1,254,878$1,086,193$1,838,994
60$2,135,371$1,258,959$1,065,172$1,936,828
61$2,293,962$1,261,432$1,041,639$2,042,815
62$2,466,865$1,262,160$1,015,452$2,157,770
63$2,655,479$1,261,000$986,464$2,282,594
64$2,861,347$1,257,799$954,520$2,418,278
65$3,086,167$1,252,393$919,459$2,565,919
66$3,331,807$1,244,611$881,112$2,726,726
67$3,600,324$1,234,269$839,301$2,902,032
68$3,893,982$1,221,174$793,843$3,093,309
69$4,215,276$1,205,120$744,545$3,302,181
70$4,566,952$1,185,888$691,205$3,530,441
71$4,952,032$1,163,248$633,612$3,780,065
72$5,373,848$1,136,955$571,546$4,053,235
73$5,836,064$1,106,750$504,777$4,352,357
74$6,342,721$1,072,359$433,065$4,680,087
75$6,898,265$1,033,491$356,158$5,039,354
76$7,507,594$989,838$273,797$5,433,389
77$8,176,105$941,077$185,705$5,865,756
78$8,909,741$886,862$91,599$6,340,388
79$9,715,047$826,831$0$6,861,623
80$10,599,234$760,598$0$7,435,469
81$11,570,246$687,758$0$8,079,617
82$12,636,833$607,879$0$8,787,215
83$13,808,633$520,509$0$9,564,728
84$15,096,267$425,167$0$10,419,287
85$16,511,433$321,347$0$11,358,750
86$18,067,020$208,514$0$12,391,784
87$19,777,226$86,101$0$13,527,942
88$21,657,695$0$0$14,777,754
89$23,725,662$0$0$16,165,621
90$26,000,117$0$0$17,718,212
91$28,501,981$0$0$19,426,133
92$31,254,306$0$0$21,305,133
93$34,282,489$0$0$23,372,563
94$37,614,514$0$0$25,647,542
95$41,281,215$0$0$28,151,135
96$45,316,566$0$0$30,906,552
97$49,757,999$0$0$33,939,367
98$54,646,761$0$0$37,277,760
99$60,028,300$0$0$40,952,782
100$65,952,695$0$0$44,998,645