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

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 $1,130,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%11.1%
1 years$93,314$92,483$91,672$90,881$90,108$89,690
2 years$46,195$45,335$44,501$43,693$42,908$42,487
3 years$30,491$29,627$28,795$27,994$27,223$26,811
4 years$22,640$21,779$20,955$20,168$19,416$19,016
5 years$17,931$17,075$16,262$15,491$14,759$14,373
6 years$14,793$13,943$13,142$12,388$11,679$11,306
7 years$12,552$11,709$10,921$10,185$9,498$9,140
8 years$10,872$10,037$9,262$8,544$7,879$7,535
9 years$9,566$8,739$7,978$7,278$6,636$6,306
10 years$8,522$7,703$6,955$6,273$5,654$5,338
11 years$7,668$6,858$6,123$5,460$4,862$4,560
12 years$6,957$6,155$5,434$4,789$4,214$3,925
13 years$6,356$5,562$4,855$4,228$3,674$3,399
14 years$5,842$5,056$4,362$3,753$3,221$2,958
15 years$5,396$4,619$3,938$3,347$2,836$2,586
16 years$5,006$4,238$3,571$2,997$2,506$2,269
17 years$4,663$3,903$3,249$2,693$2,222$1,997
18 years$4,358$3,606$2,966$2,427$1,976$1,762
19 years$4,085$3,342$2,715$2,193$1,761$1,558
20 years$3,841$3,106$2,492$1,986$1,573$1,381
21 years$3,619$2,893$2,292$1,802$1,408$1,226
22 years$3,418$2,700$2,113$1,639$1,262$1,090
23 years$3,235$2,526$1,951$1,492$1,133$971
24 years$3,067$2,366$1,804$1,361$1,018$865
25 years$2,913$2,221$1,671$1,243$916$772
26 years$2,771$2,087$1,550$1,137$825$690
27 years$2,640$1,964$1,439$1,040$744$616
28 years$2,519$1,851$1,338$953$671$551
29 years$2,405$1,746$1,245$874$606$494
30 years$2,300$1,649$1,160$802$548$442
31 years$2,202$1,559$1,081$737$495$396
32 years$2,110$1,475$1,009$677$448$355
33 years$2,024$1,397$942$623$405$319
34 years$1,943$1,324$880$573$367$286
35 years$1,866$1,256$823$527$332$257
36 years$1,795$1,192$770$486$301$230
37 years$1,727$1,132$720$448$273$207
38 years$1,663$1,076$675$413$248$186
39 years$1,602$1,023$632$380$224$167
40 years$1,545$973$592$351$204$150
41 years$1,490$926$555$324$185$135
42 years$1,439$882$521$299$168$121
43 years$1,389$841$489$276$152$109
44 years$1,343$801$459$255$138$98
45 years$1,298$764$431$235$125$88
46 years$1,255$729$405$217$114$79
47 years$1,215$696$380$201$103$71
48 years$1,176$664$357$185$94$64
49 years$1,139$634$336$171$85$58
50 years$1,103$606$316$158$77$52

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 $4,211 every year, while hoping to spend $55,076 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: 73/12/15 Blend
51$1,130,000$1,130,000$1,130,000$1,130,000
52$1,249,604$1,189,714$1,172,199$1,336,367
53$1,318,463$1,189,409$1,152,867$1,394,099
54$1,392,500$1,187,244$1,131,042$1,450,160
55$1,472,184$1,183,068$1,106,581$1,510,108
56$1,558,033$1,176,724$1,079,337$1,574,315
57$1,650,611$1,168,043$1,049,154$1,643,193
58$1,750,544$1,156,848$1,015,871$1,717,193
59$1,858,514$1,142,947$979,317$1,796,818
60$1,975,273$1,126,143$939,315$1,882,620
61$2,101,648$1,106,221$895,680$1,975,207
62$2,238,548$1,082,958$848,217$2,075,253
63$2,386,971$1,056,114$796,723$2,183,500
64$2,548,017$1,025,438$740,988$2,300,768
65$2,722,893$990,662$680,789$2,427,960
66$2,912,927$951,505$615,895$2,566,075
67$3,119,583$907,666$546,065$2,716,213
68$3,344,468$858,829$471,046$2,879,590
69$3,589,352$804,660$390,574$3,057,546
70$3,856,182$744,804$304,374$3,251,561
71$4,147,102$678,889$212,160$3,463,269
72$4,464,469$606,517$113,630$3,694,469
73$4,810,881$527,272$8,472$3,947,149
74$5,189,193$440,711$0$4,223,503
75$5,602,554$346,369$0$4,542,555
76$6,054,424$243,751$0$4,892,895
77$6,548,619$132,338$0$5,276,168
78$7,089,336$11,580$0$5,695,681
79$7,681,198$0$0$6,155,081
80$8,329,295$0$0$6,674,111
81$9,039,234$0$0$7,244,395
82$9,817,187$0$0$7,869,367
83$10,669,954$0$0$8,554,497
84$11,605,023$0$0$9,305,807
85$12,630,641$0$0$10,129,932
86$13,755,892$0$0$11,034,177
87$14,990,782$0$0$12,026,592
88$16,346,332$0$0$13,116,042
89$17,834,682$0$0$14,312,292
90$19,469,207$0$0$15,626,099
91$21,264,638$0$0$17,069,314
92$23,237,204$0$0$18,654,992
93$25,404,784$0$0$20,397,513
94$27,787,076$0$0$22,312,724
95$30,405,777$0$0$24,418,077
96$33,284,796$0$0$26,732,804
97$36,450,469$0$0$29,278,092
98$39,931,816$0$0$32,077,284
99$43,760,808$0$0$35,156,097
100$47,972,669$0$0$38,542,867